There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks and Spencer Standard Car Insurance. With Marks & Spencer Money you can keep the cost of your Car 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 Car Insurance cover from Marks & Spencer Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car 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 Car Insurance from M+S Money, you get more, and you pay less.

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 Marks and Spencer are so useful. Marks & Spencer Money financial products are, of course, designed to make Marks and Spencer 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, Home Insurance policies. Usually, UK Home 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 Marks & Spencer Money Home 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 Marks & Spencer Money Home Insurance than you will anywhere else, and you may even pay less with M&S.

Marks & Spencer Money offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car Insurance policies are much the same is usually a bad idea. At worst it can be a very expensive mistake - this is when you find out that your Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately Marks & Spencer Money Car Insurance is not like that at all, and when you compare M&S Car Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Mark's & Spencer 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car Insurance plans from companies such as Direct Line, Sainsbury's, or Tesco Direct:

• Personal UK and European Breakdown Cover automatically included
• Comprehensive cover for trips abroad in the European Union - up to 90 days per trip
• Courtesy car during approved repairs automatically included
• Cover for Motor Legal Protection automatically included

So, it is clear that, besides being good value, M&S Car Insurance also provides much more extensive cover than some of the top competitors. Additionally, you don't even need to be behind the wheel to benefit from Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.

Dine in Wines - Case of 12, at Marks & Spencers
2 Gascogne Cuve Spciale 2008: If you like dry, refreshing white wines, you'll love the mouthwatering flavour of crisp lemons and pears here, combined with a slightly grassy hint and succulent, zesty finish... 2 Garganega Pinot Grigio 2008: Fresh, lively dry white with a distinctive note of ripe lime and a hint of almond... 2 Gold Label Chardonnay 2008: A ripe yet elegant example of French Chardonnay showing rich peach and pineapple fruit and a hint of creamy oak... 2 Reggiano Rosso Single Estate 2007: A lively young red, packed with vibrant soft fruit flavours. Look out for bright purple hits of colour, and an appealing aroma of cranberry and red cherry... 2 Gold Label Cabernet Sauvignon 2007: A delicious French red that shows all the hallmarks of the Cabernet Sauvignon grape - plenty of ripe cassis fruit, a rich but soft structure, and a subtle hint of mint... 2 Classic Claret 2007: A fruity, well-balanced red Bordeaux with a good depth of blackcurrant and a twist of black pepper on the finish... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Utensils & Gadgets - AUTOGRAPH MASHER, at Marks and Spencer
Manufacturer: Marks & Spencer

3 Pure Cotton Assorted Briefs, at M+S
Offering superior comfort at a great value price, these classic briefs are a fantastic choice for everyday wear thanks to fuss-free easycare cotton

Autograph Leather Shopper Bag, at Marks and Spencer
Stylish and practical, this shopper bag is made from luxurious hardwearing leather and features useful zipped pockets. A useful and fashionable accessory

Shape Sorter Ladybug, at Mark & Spensers
Pull-along cord Spot design Multicolour blocks Suitable for ages 0-3yrs This product conforms to EN71 and the Toy Safety Directive M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here for more information, Manufacturer: Marks & Spencer

Diamanté Towelling Mule Slippers, at Marks and Spencers
Dip your feet into lush comfort with the slip-on design of these cosy mule slippers. The non-slip sole ensures peace of mind, while the inner lining feels like a heavenly treat

Per Una Short Sleeve Cornelli Embellished Top, at Marks & Spencers
A feminine neck embellished top featuring pleated front detail, finished with a scallop trim on sleeve

18 Oak Smoked Salmon Appetisers, at Marks & Spencer
18 pieces Serves 4 Ready to eat Suitable for freezing 180g As featured on page 10 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Samsung 40'' LE40B650 HD Ready LCD TV, at M+S
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 40 inch LCD screen, 1920 X 1080 resolution Dynamic Contrast Ratio: Ultra contrast Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: W995.1 x D255.0 x H705.9 (with stand), W995.1 x D78.6 x H650.4 (without stand) Weight: 18.5kg (with stand), 14.5 (without stand) SRS TruSurround HD: For enhanced surround sound effect Connectors: 3 x HDMI, PC input, PC audio input, component, ethernet (LAN), 2x scart DNIe+ Technology: The Digital Natural Image Engine produces images with incredible depth and density. Advanced contrast and detail enhancers combine to produce deeper richer lifelike colours Wide Colour Enhancer 2: Primary colours are strengthened to increase depth and intensity to show pictures in all their natural beauty Ultra Clear Panel: Retains the same high performance in any light conditions 100 Hz Motion Plus: Motion Plus technology uses extra frames to create seamless, smoother more precise images on screen Anynet+: The Anynet+ system allows control of a SAMSUNG Anynet+ TV via one single remote control M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here for more information Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial This product is not available for international delivery. Find out more Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Mock Layer Top, at Marks and Spencer
A practical, casual mock layer top in pure cotton featuring a stripe design and smile slogan . A great value easycare style

Per Una Cotton Rich Tonal Stripe Bootleg Trousers with Belt, at Marks and Spenser
A smart pair of boot leg trousers in stretch cotton featuring a tonal stripe design and belt

50/50 Panelled Bedset, at Marks & Spenser
Panelled Single set includes duvet cover and 1 pillowcase Double set includes duvet cover and 2 pillowcases Kingsize set includes duvet cover and 2 pillowcases, Manufacturer: Marks & Spencer

3 Cool & Fresh Pure Cotton Assorted Trunks, at Marks & Spenser
Made from soft breathable cotton, these comfy boxers are ideal for everyday wear

Le Mas du Lucquier Saint-Saturnin 2006 - Case of 6, at Marks and Spencers
Style: Dry, medium bodied Grape variety: Grenache, Syrah, Carignan Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Signature Large Filled Glass Candle, at Mark's & Spencer
Fill your home with the tangy and oriental scent of grapefruit and ginger with this beautifully scented candle

Red Classic Rose Cake, at M & S
36 portions Fruit Cake: Made with vine fruits, nuts and cherries laced with brandy. Cake weight is 2.7kg. Can be eaten up to 14 days after collection Sponge Cake: All-butter sponge filled with buttercream and raspberry jam. Cake weights 1.7kg. Can be eaten up to 5 days after collection Cake size: 20.5cm square Not suitable for nut allergy sufferers Suitable for vegetarians Comes in a box suitable for storing the cake before serving As featured on page 68 of the Food to Order brochure Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

Oval Beads Stretch Bracelet, at Marks & Spencers
Chunky style Oval beads

Road Monsters Police Vehicle Set, at Marks & Spensers
Suitable for ages 3+ 5 police vehicles Die cast police car, van, 4x4 vehicles and a helicopter Imaginative play This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Teddy Bears' Picnic Cake, at Mark & Spencers
36 portions Sponge cake: All-butter sponge filled with buttercream and raspberry jam. Can be eaten up to 5 days after collection Cake size: 20.5cm square 2.1kg total weight Not suitable for nut allergy sufferers Suitable for vegetarians Comes in a box suitable for storing the cake before serving As featured on page 64 in the food to order brochure Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

Autograph Pure Cashmere Long Sleeve Jumper, at Mark's & Spencer
Elegant and feminine, this crew neck jumper is made from pure cashmere for the ultimate softness. Exclusive, luxurious and beautiful

Pure Cotton Funnel Neck Jacket, at M+S
Smart and stylish, this funnel neck jacket makes a comfortable and practical choice

Younger Girls' Heart Print Slippers, at Marks n Spencer
Round toe Flat sole Heart print Single strap Bow detail Spot lining

Leather Camera Pouch, at Marks & Spenser
Use this durable leather pouch to keep your camera safe when you are out and about

Autograph Plain Tie, at Marks & Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Extending Table Lamp & Lampshade, at Marks and Spencer
Fabric shade Adjustable height Round base Diameter: 28cm Hieght: 64cm Bulb: 60W GLS or 11W CFL, Manufacturer: Marks & Spencer

Gold Band Wine Glass, at Marks and Spencer
Gold band Long stem Wide base Height: 22cm Capacity: 35cl, Manufacturer: Marks & Spencer

Limited Collection Cat Print Top, at Marks & Spensers
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Bordeaux 2006 - Case of 6, at Marks & Spensers
Grape variety: Merlot 75%, Cabernet Franc 15%, Cabernet Sauvignon 10% Country of origin: France Closure: Natural Cork Suitable for vegetarians Bottle: 6 x 75cl Alcohol by volume: 12.5% vol Alcohol units per 125ml: 1.6 Alcohol units per bottle: 9.4 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Limited Collection Swirl Design High Heel Shoes, at MarksandSpencer
Round toe Buckle fastening Heel height: 90mm Comes in sizes 3-8, including half sizes

Griffin iClear for iPod Nano Invisible Protection, at Marks and Spencer
iClear provides total protection and total access to screen, controls, ports, and switches Simply place your iPod into iClear's front casing and snap the rear section in place Includes a static peel screen protector and premium cleaning cloth, for proper care and protection of your touchscreen Available in package configurations with or without armband

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

• M&S Insurance: M&S Car Insurance, M&S Home 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 Spencer, it's easy to see that these are good financial products, at value-for-money prices.

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