There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks and Spencers 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 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.

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 Spenser 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.

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 Marks and Spenser 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, Sainsburys, 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.

Hamilton Large 2 Seater Sofa, at Marks & Spencers
H95 x W220 x D99cm Seat H49cm, arm H66cm, top back rail H73cm 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

Long Sleeve Dobby Stripe Blouse, at Marks & Spenser
This fab long sleeve shirt features a stunning dobby stripe design. A sophisticated new look, perfect for this season

Klara's Cat Engagement Card, at Marks & Spensers
Cover text: Engaged Inside message: Congratulations Approx size: 175 x 125mm

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

Winita Shoe Jewellery Holder, at Marks & Spenser
Shoe design Multiple hooks and hoops Padded ring holder H9"

Diamante Flower Slim Diary, at Marks and Spencer
Week to view Diamante flower design Ribbon page marker Dimensions: 165 x 80 mm

Flat Front Crease Resistant Trousers, at Marks and Spencer
Stay smarter for longer with these innovative crease resistant trousers. They're machine washable and feature coin catcher™ pockets which stop change falling out

Pure Wool Single Breasted 2 Button Plain Jacket, at MarksandSpencer
Don't sacrifice style for comfort this summer. This Pure Wool jacket is specially designed for the warmer months. It's made with a lighter weight fabric, has a softer feel and it features an antibacterial body lining to help keep you feeling fresh

5 Pairs of Lace Front Strings, at Mark's & Spencer
With an easycare cotton blend and added stretch creating the ideal solution for everyday wear, indulge your feminine side with the gorgeous lace front adorning these great value strings

Stainless Steel Meat Prong, at Mark & Spensers
Loop in the handle for hanging Stainless steel This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sienna Table, at M+S
Powder-coated steel frame Marble tabletop Individual marble characteristics Suitable for all-weather outdoor use H72 x Diam 110cm Please note that there is no hole for a parasol umbrella This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Mock Layer Knitted Top, at Marks and Spencer
A smart 3/4 sleeve mock layer knitted top. The frill trim makes it extra stylish

Per Una Cotton Rich Crochet Trim Padded Bra, at Mark & Spensers
Elegant and feminine, this stylish bra is made from soft stretch cotton. Soft padding and underwiring give support and a flattering natural shape. Pretty everyday fashion

4 Cup Le Teapot, at Marks and Spenser
Built-in filter Borosilicate glass bowl Heat resistant L21cm x W14cm x H23cm Diameter: 11cm 4 cup capacity, Manufacturer: Marks & Spencer

Total Support All Over Lace Bra, at Marks and Spenser
Soft and comfortable, this non-wired bra gives all-round support and uplift with good coverage, extra wide straps and 3 hook-and-eye fasteners. It's secure but gentle and lightweight, an ideal choice for everyday wear

Pure Cotton Plain Long Sleeve T-Shirt, at Marks and Spencer
An essential part of every woman's casual wardrobe, this great value tee is made from pure cotton, while long sleeves offer the perfect antidote to the winter chill

Grandad Text Birthday Card, at Marks and Spencer
Cover text: To a special Grandad Grandfather Papa Pop Grandpa Gramps Inside Message: Wishing you a very happy birthday This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future 175 x 126mm

Die Cut Letters Nephew Card, at M&S
Cover text: Nephew Happy Birthday Inside message: Blank for your own message Approx size: 230 x 114 mm

3 Button Bootleg Trousers, at Mark & Spencers
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

Thoughts & Crosses Game, at M+S
Number of players: 2+ Suitable for ages 8+ Pack contains: Spinner, score pad, sand timer, 4 game pads, 4 pencils and instructions Approx. size: 135 x 135mm This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

La Basca Uvas Blancas 2008 - Case of 12, at Marks and Spenser
Style: Dry Grape variety: Verdejo and Viura Country of origin: Spain Closure: Natural cork Bottle: 12 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

100 Cotton Balls, at Marks & Spencers
Pack of 100

Per Una Cotton Rich Bootleg Jeans with Belt, at M&S
A smart pair of bootleg jeans in stretch cotton featuring skinny waist belt

Panasonic HDC-TM300 Camcorder, at Marks & Spencers
Pixels: 9.15 megapixels Zoom: 12x optical zoom / 700x digital zoom Screen: 2.7 Wide LCD ( 230,400 pixels) Dimensions: H7.2 x W7 x D14.1cm Weight: 385g (without batteries and card) Media: Built-in memory (32GB), SD/SDHC Memory Card Recording format: MPEG4-AVC/H.264 (AVCHD standard compliant) Audio recording system: Dolby Digital (5.1ch) Microphone: 5.1ch surround, zoom and focus microphone Power supply: DC7.2V / 9.3V

Griffin iClear for iPod Invisible Protection, at M+S
iClear's transparent and unobtrusive design protects your iPod with a tough polycarbonate shell, strong enough to take the daily abuse of active lifestyles

Pure Cotton Hooded All-In-One Suit, at Marks & Spencers
Cute and practical, this all-in-one suit features stripe design. The soft cotton fabric will keep him comfy

Cotton Rich Flat Front Corduroy Trousers, at Marks & Spencer
A relaxed formal look, these comfortable stretch cotton corduroy trousers make a stylish and practical choice for everyday wear

Camouflage Brother Birthday Card, at M&S
Cover text: Birthday Brother Inside message: Have a great day Approx size: 150 x 150mm

Daily Mail Quick & Cryptic Crosswords, at Marks and Spencers
This compilation of the Daily Mail's quick and cryptic crosswords will provide you with hours of fascinating puzzling

Autograph Pure Cotton Long Sleeve Shirt, at Marks and Spencer
Stylish and contemporary, this pure cotton shirt is part of our luxurious Autograph collection. The fabric has been created exclusively for us to tie in with this season's key looks, so you won't find it anywhere else

Besides Marks and Spencers 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 Marks and Spenser 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.