There are lots of ways to save money using Marks & Spencer Money. Not least of these is MarksandSpencer 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 and Spencer, 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 Financial Services, 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 M+S are so useful. Marks & Spencer 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, Buildings & Contents Insurance policies. Usually, UK Buildings & Contents 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 Buildings & Contents 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 Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Shopping for financial products at Marks & Spencer Money UK website is just as simple as shopping for fashion or furniture at the Mark & Spensers 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 Buildings & Contents 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 & Spensers, 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.

Jute Stripe Rug, at M&S
Rectangular shape Stripe design Small: L140 x W80cm Medium: L170x W120cm Large: L230 x W160cm, Manufacturer: Marks & Spencer

Black Floral 40th Birthday Card, at Marks and Spencers
Cover text: Happy 40th Birthday Inside message: With love on your special day Approx. size: 150 x 150mm

Royal Horticultural Society Pink Watercolour Roses Blank Card, at M & S
Cover text: Pretty Pink Roses Inside message: Blank for your own message Approx. size: 150 x 150mm About the RHS: The RHS is dedicated to advancing horticulture and helping all gardeners. An interest in gardening is all you need to enjoy being a member of the RHS. For more information call 0845 130 464, or visit www.rhs.org.uk

Autograph Leather Zipped Washbag, at Marks & Spencer
Stylish and contemporary, this leather wash bag is a fashionable and practical must-have

Wisteria Luggage Trolley Bag, at Marks & Spensers
Free 5 year guarantee Supported by sturdy wheels and a stand-alone feature, this trolley bag is the ideal option for short trips or flying abroad

Stainless Steel Pot Strainer, at Marks and Spencers
Crescent shaped drainer Handle Hanging hook This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Pure Cotton Fine Stripe Polo Shirt, at Marks & Spencer
Casual and contemporary, this pure cotton polo shirt is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make it exceptionally stylish and comfortable

Short Sleeve Embroidered Linen Shirt, at Marks & Spensers
A stylish smart-casual look, this short sleeve polo shirt in soft cotton features a breast pocket and button placket. Practical, comfortable and easycare

Lightweight Animal Print Scarf, at Marks & Spensers
Add a fashionable finishing touch to your look with this elegant animal print scarf. The perfect accessory to this season's styles

Petite Pure Cotton Roll-Up Sleeve Blouse, at Marks and Spencer
Chic and modern, this roll-up sleeve blouse is made from cool comfortable cotton and features a floral embellishment. Specially designed and perfectly proportioned for the petite frame

Royal Jelly & Pure Honey Moisture Rich Cream Bath, at Marks & Spenser
Moisture rich Natural skin nutrition Vitamin enriched 400ml

Older Boys' Square Buckle Belt, at Marks and Spenser
Fashionable and practical, this square buckle belt adds a stylish finishing touch

Peppa's Space Trip & Teddy's Day Out Book, at Marks & Spencers
Join Peppa and friends as they take a trip all the way into outer space. This colourful and fun story book is sure to grab your kids' imagination

Leather Weave Belt, at Mark & Spensers
Add a stylish finishing touch with this colourful weave belt

Petite Sleeveless Seam Dress with Belt, at Mark's & Spencer
Get this season's look with this gorgeous belted dress. It's fashionably styled with seam detail. Specially designed and perfectly proportioned for the petite frame

Scottish Lochmuir™ Apple Wood Smoked Salmon, at Marks & Spensers
Serves 4 Ready to eat Suitable for freezing Gluten free 200g total weight As featured on page 25 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

Party Shoes Sister Birthday Card, at Marks&Spencer
Cover Text: Sister, you can never have too many shoes... Inside Message: Or enough time to wear them Approx size: 178 x 126mm

Parasol Tealight Holder, at Mark & Spencers
6 arms Fits snugly around your parasol Approx size: W28 x Diam 28 x H14.5cm, Manufacturer: Marks & Spencer

Maternity Tyre Print Short Sleeve Tunic, at Marks & Spensers
Relaxed and casual, this short sleeve tunic is designed to flatter you and your bump. The ruched style and clever cut give a neat, comfortable fit with room for growth. A practical, versatile choice

Côte Rôtie 2006 - Case of 6, at M & S
Style: Full bodied Grape variety: Syrah Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

2 Autograph Addison Brown Dining Chairs, at Marks & Spencers
H86 x W47 x D51cm Brown luxury Italian leather seats Sold as a pair Made from American Black Walnut solids and veneers, with Beech veneer on unseen faces Finished with 2 coats of durable, clear lacquer of mid sheen Chairs are made from solid wood for strength All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings 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 manufacturers instructions, and be aware that polishes can add sheen. SAVE ON SETS Save at least 25% when you buy these chairs as part of a set. Click here to view the Addison Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Petite Wool Rich Funnel Neck Check Coat with Belt, at Marks & Spensers
Fashionable and contemporary, this check design coat is made from wool rich fabric and features a belt. A great value piece that will see you through the season in style. Specially designed and perfectly proportioned for the petite frame

Petite 3 Button Bootleg Trousers, at Marks & Spenser
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. A look that's always in style. Specially designed and perfectly proportioned for the petite frame

Mother of Pearl Photo Frame 10 x 15cm (4 x 6''), at Marks and Spencer
Brushed metal texture Rectangle shape Aperture: 10 x 15cm (4 x 6''), Manufacturer: Marks & Spencer

Modern Squares Bathmats, at Marks and Spencer
Square pattern Bathmat: L80 x W50cm Pedestal: L55 x W50cm Bathmat and pedestal mat must be purchased separately, Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Variated Stripe Polo Shirt, at Marks n Spencer
A stylish smart-casual look, this short sleeve polo shirt in soft cotton features a stripe design. Practical, comfortable and easycare

Autograph Weekend Cotton Rich Skinny Jeans, at Marks and Spenser
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Hall Cascade Droplet Ceiling Light, at M+S
Glass dropper pendant Metal frame H39 x Diam 21cm 60W GLS or 11W CFL, Manufacturer: Marks & Spencer

Handcrafted Shoes Mother's Day Card, at M&S
Cover text: When I grow up I want to be just like you Inside message: With love on Mother's Day Approx size: Unfolded: 178 x 126mm

2 Piece Pure Cotton Multi Pocket Dungaree Outfit, at Marks & Spensers
Fun and practical, this cute 2-piece dungaree outfit features a multi pocket detail. It's made from soft cotton to keep him comfy.

Besides Marks and Spenser Car Insurance, Marks & Spencer Money Credit Cards and other financial products, Marks & Spencer Money Buildings & Contents 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 Marks & Spencer Money 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 M&S purchases are also protected while you take them home.

Also, on both Marks & Spencer Money Premier Buildings & Contents Insurance and Standard Buildings & Contents 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.