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

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

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 and Spenser 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 & Spenser, 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 Motor Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Besides M+S Motor Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Home 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 n Spencer purchases are also protected while you take them home.

Also, on both M&S Financial Services Premier Home Insurance and Standard Home 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.

Stitch Back Pencil Skirt, at Marks & Spencer
Sleek and chic, this pencil skirt is tailored to fit and flatter. A stylish choice for work or smart occasions and it's machine washable for added convenience

5 Pairs of Older Boys' Skull Socks, at Marks & Spencer
Brighten up his underwear drawer with these fashionable assorted design socks made with soft breathable cotton

5 Big & Tall Pairs of Cotton Rich Plain °Climate Control Briefs, at Marks & Spencers
Climate control fabric absorbs and stores body heat when you're too hot and releases the heat when you're too cold. The result is the perfect body temperature so you'll feel comfortable all day. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Linen Blend Contrast Stitch Skirt, at Marks and Spenser
Sleek and stylish, this linen blend skirt is a stylish, versatile choice. Stylish, practical and fashionable

Cotton Rich Double Button Skinny Jeans, at M & S
Long and lean, skinny jeans are an edgy modern style. This stretchy pair sits below the waist and is cut to fit and flatter. Wear with some volume on your top half to balance the shape and give an even leggier look

Ceriso Spot Print Frill Trim Shorts, at M&S
Glamorous and flirty, these modern shorts feature a spot print and a frill trim. The low rise, low leg style gives a flattering, shapely fit. Designed for women who want the latest look

Portfolio Petite Ruffle Front Blouse, at Marks & Spensers
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season.

Cotton Rich Below The Waist Skinny Jeans, at Marks and Spencers
Long and lean, skinny jeans are an edgy modern style. This stretchy pair sits below the waist and is cut to fit and flatter. Wear with some volume on your top half to balance the shape and give an even leggier look

3 Cosmetic Sponges, at Marks & Spensers
Pack of 3 Butterfly design Contains latex

Long Sleeve Metallic Finish Hooded Parka, at Marks and Spenser
The parka is an essential item that will never go out of style. This cosy easycare style is finished with a glamorous handy side pockets and hood

Collezione Pure Wool Single Pleat Stripe Trousers, at Marks and Spenser
Add a smart dimension to your formal wardrobe with these single pleat trousers. Allowing for more hip room, they provide a clean, crisp and well turned out look

Sleeveless Jacquard Spot Belted Dress, at Marks and Spencer
Sleek and chic, this knee length dress is tailored to fit and flatter. A stylish choice for work or smart occasions

40 Denier Bodysensor™ Medium Support Opaque Tights, at Marks and Spencer
These medium support tights are clinically proven to improve circulation and reduce ankle swelling. They'll keep your legs feeling healthier and energised

Luxury Pure Wool Single Breasted 2 Button Stripe Jacket, at Mark's & Spencer
Hours of handcrafting have gone into this superior quality suit for authentic tailored style. Every detail has been carefully considered to give a luxurious look and feel

Dry Cured Rack Joint with a Pomegranate Molasses Glaze, at Mark's & Spencer
10 rib Serves 10-12 Ready to cook Suitable for freezing 3kg As featured on page 37 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Regalmist Bouquet, at Marks & Spencer
A beautiful selection of flowers, this bouquet features an arrangement of Chrysanthemum Bloom Regalmist, Sedum Matrona and Hypericum Sugar Flair Available for delivery from 1st July to 30th September 2009

M&S 2200W Steam Iron with Electronic Temperature Control, at M&S
1850W - 2200W Highly accurate electronic temperature control Stainless steel soleplate Variable steam control Self-cleaning Transparent water reservoir Dry/steam ironing Anti-drip and anti-scale Auto shut off Soft Grip Handle Dimensions: H29cm 360 degree Swivel Cord 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

5 Pairs of Younger Girls' Cotton Rich Assorted Socks, at Marks and Spencers
Fun and fashionable, this pack of 5 pairs of cotton rich socks features assorted design

Adored Comfort Padded Plunge Bra, at Mark's & Spencer
Elegant and stylish, this padded bra is made from the softest fabric and embroidery, so it feels blissfully comfortable to wear. The underwired plunge style gives a flattering uplifted shape and an enhanced cleavage. Feminine everyday lingerie

Hastings Bedstead, at Marks and Spencer
Headboard: H122cm Endboard: H73cm Underbed: H26cm Single: L206 x W105cm Double: L206 x W152cm King Size (5ft): L216 x W167cm Matress sold seperately Crafted predominantly from solid pine and fibreboard Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more 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., Manufacturer: Marks & Spencer

Pure Cotton Heart Print Minishirt, at Marks & Spencers
Fashionable and modern, this heart print minishirt is made from soft breathable cotton for a comfortable night's sleep

Lexington Collection Large Trolley Bag, at Marks and Spencer
There'll be no things that go bump in the night with this easy to transport holdall. Supported by sturdy wheels and a stand-alone feature, its the ideal option for short trips or flying abroad

The Mini Crossword Puzzle Book, at Mark's & Spencer
There is probably no more satisfying a puzzle to solve than a crossword. Whether you have five minutes or five hours to spare, this superb collection of puzzles will challenge and entertain

Ceriso DD-G Underwired Animal Print Bra, at Marks & Spencer
Gorgeously feminine, this modern bra features an animal print and is finished with a lace trim. It's underwired and structured to give fuller busts great support and a flattering uplifted shape. Designed for women who want the latest look

Single Sprung-Edge Divan with 1 Small + 1 Large Drawer & Autograph M500 Mattress - Firm, at M+S
Single (3ft): W90 x L190cm Mattress: spring count 1225, depth 27.5cm Divan height: 41.5cm Divan drawer sizes: 1 x small H15 x W40.5 x D53cm, 1 x large H15 x W78.4 x D53cm Mattress and divan are anti-allergy No turn mattress This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton Multiple Pocket Jeans, at Marks & Spencer
Fashionable and practical, these cotton jeans are hardwearing and comfy. The 'sheriff' motif gives a cute look

Footglove™ Wide Fit Leather Bow Pumps, at M & S
Round toe Bow feature Slip on Low heel Heel height: 16mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Wedding Symbols Wedding Invitations - Pack of Ten, at M&S
Cover text: Wedding invitation Inside message: Request the pleasure of the company of...at the marriage of...at...on...and afterwards at...R. S. V. P 10 cards, 1 design Approx size: 120 x 120 mm

Auto Movement Mantle Clock, at Marks & Spenser
Square shape Roman numerals Exposed cog design, Manufacturer: Marks & Spencer

Per Una 2 Tone Floral Lace Shorts, at Marks & Spensers
Fresh and feminine, these stylish knickers feature floral design and a lace trim. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion

Shopping for financial products at M&S Financial Services 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 M&S Financial Services website:

• M&S Insurance: M&S Motor 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 Mark's & Spencer, 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.