There are lots of ways to save money using M&S Money. Not least of these is M+S Standard Motor Insurance. With M&S Money 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 Money, 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 Marks & Spencer Money, you get more, and you pay less.

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

Thinking that most Motor 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 Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Money Motor Insurance is not like that at all, and when you compare M&S Motor 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 & Spencers 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor 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 Motor 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 M&S Money UK and European Breakdown Cover, since it covers you as a passenger too.

When you're shopping at M&S online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M&S Money. Offering everything from savings accounts and credit cards, to Buildings & Contents Insurance and Motor Insurance, there's a lot more going on at Marks & Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Money. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M&S Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Money website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."

Limited Collection Round Toe Court Shoes, at Mark & Spensers
Heel height: 78mm Round toe Slip on Court style High heel Comes in sizes 3-8, including half sizes

Maxim Large Gravy Boat with Saucer, at Marks and Spencer
Plain white porcelain Suitable for everyday use 1.5 litre capacity L16 x W21.5cm, Manufacturer: Marks & Spencer

Medium Glass Pane Hurricane Lamp, at Marks and Spencers
Bevelled glass panes Carry handle W15.8 x D15.8 x H26cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Large Chunky Plastic Bangle, at Marks & Spenser
Chunky design Smooth finish

Wool Rich Slim Fit Single Breasted 2 Button Plain Grey Jacket, at Marks and Spenser
Every man needs a well tailored suit and this one is fantastically priced and fantastically smart too

Per Una Check Print Padded Balcony Bra, at M & S
Modern and elegant, this stylish bra features a check print and is finished with lace trim. The padded balcony style gives maximum uplift and a fuller shape. Pretty everyday fashion

Per Una Floral Lace Padded Underwired Bra, at Marks and Spencer
Feminine and delicate, this stylish bra is beautifully embellished with floral embroidery. The padded underwired style gives maximum uplift and a fuller shape. Pretty everyday fashion

Organic Fruit & Vegetable Selection Box, at M & S
Order by 5pm to collect in 5 days Contains a minimum of 14 seasonal fruit and vegetables subject to availablity May include: carrots, cauliflower, garlic, onions, broccoli, potatoes, cabbage, spring greens, spring potatoes, courgettes, avocado, peppers, apples, oranges, lemon and clementines Available for collection in the majority of our UK mainland stores

Kaiser Chiefs - Off With Their Heads CD, at Mark's & Spencer
Audio CD, Marks & Spencer

Limited Collection Pure Silk Stud Tunic, at Marks & Spencer
Fashionably detailed with studs, this luxurious and up-to-the-minute silk tunic will see you through the season in style. Get the latest look!

Classic Collection Straight Leg Trousers, at M & S
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

3 Cool & Fresh Cotton Rich Plain Hipsters, at Marks & Spenser
Comfortable, fashionable and practical, these essential hipsters are ideal for everyday wear

Pure Cotton Cropped Cargo Trousers, at M & S
A stylish summer staple at home or on holiday. Just add a t-shirt and flip flops

Travel Pill Holder, at Marks and Spencers
With seven individual compartments you can keep your essential tablets organised in this handy pill holder when travelling. The interlocking compartments are handy for any break and saves you having to carry all of your more bulky jars of tablets

Valentine's Day Luxury Wrap Pack, at Mark's & Spencer
Contains: 1 sheet of wrapping paper and 1 gift tag Approx size: Wrap: 685 x 980mm, Tag: 65 x 75mm

Bandeau Underwired Multiway Bra, at Marks and Spencers
This versatile bra can be worn 5 ways: conventionally, halterneck, cross back, strapless and one shoulder. Designed for a comfortable flattering fit, secure support and great flexibility

St Véran les Monts 2007 - Case of 6, at Marks and Spenser
Style: Dry Grape variety: Chardonnay 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

Younger Girls' Floral Buckle Belt, at Marks & Spenser
Fun and fashionable, this floral buckle belt adds a stylish finishing touch

Percy Pig Cushion, at Marks & Spencer
Percy pig design Round shape Matching items available Diam 35cm, Manufacturer: Marks & Spencer

Per Una Senorita Long Sleeve Cardigan, at Marks & Spencer
A gorgeous feminine long sleeve cardigan in a soft knitted fabric. Rounded edging and single feature button fastening give it the Per Una touch

Limited Collection Puff Sleeve Dress with Belt, at Marks and Spenser
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 Cashmere Bold Stripe Hooded Cardigan, at MarksandSpencer
Soft and snuggly, this practical cashmere cardigan will keep her feeling warm and comfortable. With luxury in every detail, this is part of our exclusive Autograph collection

Portfolio V-Neck Front Pleat Dress, at Marks & Spensers
Fashionable and modern, this knee length dress features a v-neck and front pleat detail. A flattering, stylish look

High Impact Padded Crop Top, at Marks and Spencers
Comfortable and secure, this padded sports bra gives firm, gentle support for active wear

4 Wood Veneer Coasters, at Marks & Spensers
Pack of 4 Solid wood L10 x W10cm, Manufacturer: Marks & Spencer

Signature Grapefruit & Ginger Scented Filled Candle, at M&S
Glass holder Grapefruit and ginger fragrance, Manufacturer: Marks & Spencer

Wide Waistband Dogtooth Tulip Skirt, at Mark's & Spencer
This season the tulip reigns supreme among skirts. This ultra-modern design has an oversized dogtooth check and looks great worn with opaque tights and shoe boots for an up-to-the-minute contemporary feel

Medium Floral Reel Vase, at Marks and Spenser
Wide open spout Broad base Floral leaf design Hand cut Dimensions: 19.5 x 19.5 x 28cm, Manufacturer: Marks & Spencer

Woven Silk Floral Dot Tie with Stain Defence™, at Marks and Spencer
This woven silk tie has been treated with our stain defence™ technology giving inbuilt resistance to everyday spills, this repellence benefit is maintained after dry cleaning

Cotton Rich Short Sleeve Hooded Zip-Up Top, at Marks & Spencers
Ideal for your workout or when you just want to relax, this hooded top comes with added stretch, giving you that extra freedom to move

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. M&S 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, 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 M&S 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 M&S Money Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.