There are lots of ways to save money using M&S Money. Not least of these is Marks & Spencers Standard Motor Insurance. With M&S Money you can keep the cost of your Motor Insurance down by choosing Standard cover, over Premier Cover. UK Vehicle can then be added to your policy as optional extras, if you wanted to.

If you're thinking of adding both Breakdown Cover and Motor Legal Protection, then it would cost less to upgrade to Premier Motor Insurance cover from M&S Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & Spenser, and these include: Courtesy car (subject to availability); Loss, theft, damage and destruction of vehicle; Loss or damage to personal property in vehicle; Personal accident cover up to £10,000; Windscreen cover (£75 excess); a 24 hour claims service, and many other options as standard on each policy. In short, with Motor Insurance from Marks & Spencer Money, you get more, and you pay less.

M&S Money Insurance: There are, quite literally, hundreds of companies in the UK from whom you can purchase insurance. Whether you're looking for the best deal on Motor Insurance, buildings and contents insurance, or even wedding insurance, it doesn't take long to find a company that will sell you a policy.

However, not all insurance companies, and certainly not all insurance policies, are the same. What may be standard on one insurance policy may be an optional extra on another, for instance; Motor Insurance and House Insurance are especially like this.

For example, most home and contents insurance policies either ask you to provide the total cost of rebuilding your home plus the total value of your home contents, or they will set an upper limit. This may seem fine at the time, but, in the event of a claim on your House Insurance policy, the values act as maximum limits, and so you may, in effect, be under-insured and not receive the full value of your insurance claim.

Fortunately, M&S Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Contrary to popular opinion, not every insurance company is out to get you, and it's not every insurance company that will disect the fine-print until they find some way of denying your insurance claim. However, you do need to shop around for the financial products and insurance policies that are the best suited for your individual needs.

That's why insurance policies, and other financial products, from M&S are so useful. M&S Money financial products are, of course, designed to make Marks & Spensers a profit, but there is no denying that they are also very good value for money, offering many features as standard which you'd often need to pay extra for at other insurance companies.

Take, for example, House Insurance policies. Usually, UK House Insurance policies have limits on particular types of items such as freezer contents, garden furniture and outdoor toys, outbuildings or cars, etc. These restrictions are called inner limits. However, the only inner limits on the M&S Money House Insurance policy are £500 for cash; £2m for property-owners and personal liability; £10m for domestic employees liability and £40,000 for tenants liability. Even better is the fact that you're likely to pay no more for M&S Money House Insurance than you will anywhere else, and you may even pay less with M&S.

North Coast Cotton Blend Funnel Neck Parka, at Mark & Spensers
A contemporary design and multiple pocket feature makes this parka a fashionable choice

Test Item Name 1, at Marks and Spencer
Release Date: 2008-10-23, Rating Suitable for 15 years and over,

Navarra Coffee Table, at Marks and Spencer
H40 x W86 x D86cm Made from solid oak and oak veneer Finished with a low-sheen lacquer that provides added durability Shelves are bevelled and made from safety-tested toughened glass Legs made from solid wood Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturer's instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

1.7L Cordless Zebra Kettle, at Marks & Spencers
1.7 litre capacity 1850 - 2200W Black and white finish Anti-slip base with cord storage Water window and contrasting on/off switch Concealed element for fast boiling and easy cleaning Removable washable limescale filter 2 year guarantee

Per Una Pure Cotton Stripe Kaftan, at Marks and Spencer
A fashionable stripe kaftan in pure soft cotton. The corsage design on the neckline makes it extra stylish

3 Long Sleeve Pintuck Detail Tops, at Marks and Spencers
Stock up on essentials for less! This great value pack of 3 pintuck detail tops is comfortable, practical, fashionable and easycare

Blue Harbour Pure Linen 3/4 Length Shorts, at Marks & Spensers
Relaxed and casual, these fashionable3/4 length shorts are made from cool soft linen and feature side pockets

Florentyna Hand & Nail Cream, at Mark & Spensers
To use: carefully massage into the hands, especially after washing paying particular attention to dry or damaged skin 100ml

5 Pairs of Older Boys' Cotton Rich Wide Stripe Socks, at Marks & Spencer
Brighten up his underwear drawer with these fashionable wide stripe socks made with soft breathable cotton

Older Boys' Short Sleeve Paradise T-shirt, at M & S
A practical, casual top in pure cotton featuring a fun paradise slogan and motif. A great value easycare style

Big & Tall Collezione Luxury Wool Rich Single Pleat Trousers with Cashmere, at Marks and Spenser
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on these trousers to give you a feeling of luxury like no other. Perfectly proportioned for big and tall men

Blue Harbour Pure Linen Drawstring Trousers, at M&S
A stylish smart casual look, these wide leg trousers are made from cool linen and designed for a fashionable and comfortable relaxed fit

Champagne Oudinot Vintage 2002 - Case of 6, at Marks&Spencer
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Portfolio Pure Linen 3/4 Sleeve Blouse, at Marks & Spencer
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

Short Sleeve Nautical Top, at MarksandSpencer
A stripe print adds a pretty touch to this cotton rich top

In Bloom Orchid & Vanilla Eau De Toilette, at Marks and Spenser
Orchid and vanilla fragrance 100ml This product is not available for international delivery. Find out more

Linen Blend Wide Leg Trousers, at Marks & Spencers
Flattering and feminine, these wide leg trousers are made from a cool linen blend. Added stretch gives the perfect fit. A look that's always in style

3 Modal Blend Long Sleeve Assorted Tops, at Marks and Spencer
Stock up on essentials for less! This great value pack of 3 tops is comfortable, practical, fashionable and easycare

Blue Harbour Linen Blend Straight Leg Jeans, at Marks and Spencers
These classic jeans are an excellent addition to any causal wardrobe thanks to a smart, easy to wear design. Team with a long sleeve shirt or plain tee for an effortless weekend look

Kitchen Butchers Block, at Marks and Spencer
H90 x W55 x D60cm Some self-assembly required. Delivered boxed to your door. You will need to unpack, assemble and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Running Book, at MarksandSpencer
Running is one of the most popular forms of exercise that you can choose. Aimed at those who are new to running, this book advises you on what you need to get started and how to continue in order to improve.

Autograph Pure Silk Swell Stripe Tie, at Marks and Spencer
Crafted from pure silk for a truly elegant look and feel, this stylish tie adds a dash of colour to your smart boardroom look

Short Sleeve Pleat Detail Jersey Tunic, at Marks & Spencer
Pretty and feminine, this short sleeve jersey tunic features front pleat detail

3 Pairs of 60 Denier Opaque Tights, at Marks and Spencers
Complete with added stretch for shape retention and essential comfort. These simply outstanding tights are a terrific option for ensuring your legs look and feel their everyday best

Single Sprung-Edge Divan with 2 Large Drawers, at Marks and Spencers
Single: W90 x L190cm Divan height: H41cm Sprung-edge divan - can be used with any mattress 2 x large drawers Drawer size: H14 x W78 x D52cm Choose either left or right-hand drawers Feet are castors Solid wooden frame All divans are manufactured in the UK All our mattresses and divans are anti-allergy, which means the provide effective protection against dust mite allergies, so you'll have a trouble free sleep Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Flat Front Crease Resistant Trousers, at Marks & Spencer
Stay smarter for longer with these innovative crease resistant trousers.

Younger Boys' Multi Stud Belt, at Marks & Spencers
Fun and fashionable, this multi stud belt adds a stylish finishing touch

Cotton Rich Ethnic Diamond Print Scarf with Silk, at Marks and Spencer
This sophisticated lightweight scarf is the perfect accessory to this season's fashions. The ethnic diamond print adds a stylish finishing touch

3/4 Length Sleeve Stripe Shirt, at M & S
This fab 3/4 length sleeve top features a stunning stripe design. A sophisticated new look, perfect for this season

Wallace and Gromit Calendar, at Mark's & Spencer
Dimensions: 225 x 390mm and ™Aardman Animations Ltd. All rights reserved

Shopping for financial products at M&S Money UK website is just as simple as shopping for fashion or furniture at the M&S online store. Here are just some of the financial products which can be purchased via the M&S Money website:

• M&S Insurance: M&S Motor Insurance, M&S House Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks and Spenser, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Money website.