There are lots of ways to save money using M&S Financial Services. Not least of these is Marks & Spencer Standard Car Insurance. With M&S Financial Services 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 M&S Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks and Spencers, 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.

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

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

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

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks & Spencer once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks n Spencer, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

In Bloom Jasmine & Honeysuckle Fragranced Candle, at Marks and Spenser
Jasmine and honeysuckle fragrance Burn time: 20 hours, Manufacturer: Marks & Spencer

Stud Tassel Tote Bag, at Marks & Spenser
Fashionable and practical, this tote bag is a useful accessory with bags of style!

Limited Collection Cropped Leggings, at Marks and Spencer
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

Autograph Pure Cotton Fine Stripe Shirt, at MarksandSpencer
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Black Aluminium 20cm Saucepan, at M+S
Triple layer non-stick finish Excellent for low fat cooking Riveted silicone and stainless steel handles offer an easy grip Suitable for all cooker types Oven safe up to 180C/350F/Gas Mark 4 2.8 litre capacity Glass lid, Manufacturer: Marks & Spencer

3 Assorted Shell Design Handkerchiefs, at M & S
Luxuriously soft handkerchiefs in pure cotton

Limited Collection Turn-Up Cropped Trousers, at Marks & Spencer
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

Pure Cotton Long Sleeve Hooded Coat, at Marks & Spenser
Fashionable and practical, this coat is fully lined and features a hood. A comfortable, easycare style

Per Una Buckle Satchel Bag, at Marks & Spencers
A bold buckle makes this fashionable bag even more special. Give your look the Per Una twist!

Hamilton Love Seat, at Marks and Spencers
H95 x W137 x D99cm Seat H49cm, arm H66cm, top back rail 73cm Seat cushions made from Quallofil Extralife filling. Click here for more information on Quallofil Extralife Cushions are reversible on fabric upholstery options Solid birch feet Free swatch samples: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Senior Wool Blend Blazer with Stain Defence™ & Stormwear™, at Marks & Spencers
Smart and innovative, this stylish blazer is made from a hardwearing wool blend. It's treated with our unique Stain Defence™ and Stormwear™ finishes, making it resistant to water and stains

Shiny Nail Kit, at Marks and Spencers
Nail wax nourishes and adds lustre Traditional chamois buffer quickly achieves a long lasting shine White pencil brightens your nail tips Used regularly it will encourage your nails to grow stronger and longer

Blue Harbour Pure Cotton Funnel Neck Gilet, at M+S
Fashionable and relaxed, this funnel neck gilet is made from pure cotton so it's soft, breathable and comfortable to wear

Autograph Plain Tie, at M&S
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

3 Pure Cotton Assorted Woven Boxers, at Marks & Spencer
Made from soft breathable cotton, these comfy boxers are ideal for everyday wear

High Impact Non-Wired Sports Bra, at M+S
Offering the superior support and control you need for those high energy workouts. This high impact sports bra sets the pace for essential comfort thanks to an easycare fabric and the shape retaining qualities of added stretch

Cotton Rich Tie Waist Cropped Jogging Bottoms, at Marks & Spencer
Casual and comfortable, these easycare cropped jogging bottoms feature embroidered butterfly details for a modern look

Per Una Organic Cotton Crochet Trim Shorts, at MarksandSpencer
Elegant and feminine, these stylish shorts feature a crochet trim. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion, made with organic cotton

Floral Lace Underwired Minimiser Bra, at Marks & Spenser
This gorgeous bra provides essential support for the fuller bust with a full cup and underwiring, while the minimiser design helps create a smoother, shapelier silhouette

Sprung-Edge Suede Divan with 4 Large Drawers & F300 Memory Foam Mattress, at M&S
Single mattress (3ft): W90 x L190cm Double mattress (4ft 6in): W135 x L190cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 25cm Divan height: H41cm Large drawers: H14 x W78 x D52cm Soft knitted cover adds extra comfort to the mattress and works with the memory foam for optimum support Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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

Inclusion Vanilla Candle, at Mark & Spensers
Chunky design Twig detail Vanilla scented Shallow dish holder Burns up to 80 hours H15 x diam 10cm, Manufacturer: Marks & Spencer

Pure Cotton Stripe Short Sleeve T-Shirt, at Marks and Spencer
A practical, casual top in pure cotton featuring a stripe design. A great value easycare style

2 Pure Cotton Drawstring Joggers, at Marks & Spencers
Comfortable enough for crawling or napping in, these soft cotton joggers are a practical and fashionable choice

Cotton Denim Skirt & Leggings, at Marks & Spencers
You will love this cotton rich denim skirt with a plain pair of leggings. A practical, easycare style

Cotton Blend Tummy Control Floral Lace Vest, at Marks and Spencers
This tummy control vest gives a flattering shape - great under close fitting tops. The hidden panel shapes the waistline and flattens your tummy while the longer length helps prevent it rolling up

Easy Desserts, at M&S
There are summits to climb, depths to dive, cultures to experience, creatures to meet and desserts that you've only seen in dreams until now. So set your sights on these easy desserts and make the dream a reality

Pure Silk Collie Floral Tie, at Marks & Spensers
Add a luxurious finishing touch with this contemporary floral design tie in pure silk

°Climate Control Pillow Protector, at Marks & Spensers
Keeps you in a comfort zone all night long Absorbs body heat, releasing when you need it Made using outlast technology, originally developed for NASA, Manufacturer: Marks & Spencer

Long Sleeve Stripe V-Neck Jumper, at Marks & Spencer
Soft and comfy, this warm knitted v-neck jumper is outstanding value. A fashionable easycare style

5 Cotton Rich Bud Print Midi Knickers, at Mark & Spensers
These cotton rich midi knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Besides Marks & Spensers Car Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Property Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Financial Services Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks & Spencer purchases are also protected while you take them home.

Also, on both M&S Financial Services Premier Property Insurance and Standard Property Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.