There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks & Spenser Standard Motor Insurance. With Marks & Spencer 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 Marks & Spencer 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 & 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 Finance, 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 Mark & Spensers are so useful. Marks & Spencer Money financial products are, of course, designed to make Mark's & 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, House Insurance policies. Usually, UK House 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 House 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 House Insurance than you will anywhere else, and you may even pay less with M&S.

Besides Marks & Spencers Motor Insurance, Marks & Spencer Money Credit Cards and other financial products, Marks & Spencer Money House 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 Mark & Spencers purchases are also protected while you take them home.

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

Côtes du Rhône 2007 - Case of 12, at Marks and Spencers
Style: Light bodied Grape variety: Grenache, Syrah Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Silver Jewel Effect Roll Wrap, at Marks & Spensers
Includes 1 roll wrap Approx. size: 150 x 70cm

Cashmilon™ Long Sleeve Ribbed Trim Cardigan, at Marks n Spencer
Fashionable and flattering, this long sleeve cardigan is made from supersoft cashmilon™ and features a button fastening

Footglove™ Riptape Dolly Shoes, at M&S
Almond toe Stitch detail Riptape fastening Flat sole Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

3 Pure Cotton Lace Trim Knickers, at Mark & Spensers
Knitted in breathable pure cotton, these comfy briefs are given a pretty finishing touch with lace trimming. Offering great value for money, the easycare fabric makes them an ideal choice for everyday wear

Twist And Shout CD, at Mark & Spensers
Audio CD, Marks & Spencer

Recycled Compact Umbrella, at Marks and Spencer
A practical and eco friendly choice, this compact umbrella is made from polyester from recycled plastic waste instead of oil. Using recycled materials helps to conserve the earth's natural resources and protect the environment for future generations

Little Acorns Large Gift Bag, at Marks & Spencers
Contains: 1 gift bag H420 x W305 x D150mm

Autograph Essentials Vintage Rose Non-Padded Balcony Bra, at Marks & Spencers
Glamorous and sophisticated, this elegant bra is made from soft fabric trimmed with fine lace. The flattering balcony style gives maximum uplift and a fuller shape. Beautiful exclusive lingerie

Autograph Pure Cotton Paisley Camisole, at Marks n Spencer
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

Autograph Nail Clippers, at Mark & Spensers
Carry pouch Rounded clipping edge

Abbey Armchair, at M & S
H95 x W95 x D95cm Seat H54cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 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 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Pure Cotton Crew Neck Sweat Top, at M & S
Relaxed and comfortable, this cotton rich sweat top is outstanding value!

Limited Collection Sequin Clutch Bag, at Marks & Spenser
Fashionable and fabulous, this clutch handbag is designed in one of this season's key shapes. It's a practical as well as trend-conscious accessory. Get the latest look!

Watercolour Vases Grandma Birthday Card, at Marks and Spencers
Cover text: Birthday wishes for a beloved Grandma... Inside message: Have a wonderful day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Royal Jelly & Pure Honey Body Butter, at Marks and Spencer
Moisturising 200ml

Pure Cotton 3/4 Sleeve Striped Blouse, at Marks and Spencers
Bring some casual elegance to your wardrobe, with this 3/4 sleeve blouse, that features pleat detail at the neckline giving it an extra stylish twist

Blue Harbour Pure Cotton Long Sleeve Stripe Shirt, at Marks and Spencer
Relaxed and stylish, this long sleeve stripe shirt is made from pure cotton so it feels soft and comfortable to wear

Autograph Bone China Pasta Bowl, at M & S
Wide shallow style Plain Diameter: 30cm, Manufacturer: Marks & Spencer

Floral Bouquet Gift Card, at Marks and Spencer
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Blue Harbour Pure Cotton Postage Print T-Shirt, at Marks & Spencers
Fashionable and relaxed, this postage print t-shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Floral Diamanté Centre Ring, at Marks and Spencer
Floral design Diamant centre

Perfect Short Sleeve Panel Tunic Top, at Marks and Spencers
This simple panel dress is a key style for autumn. Wear it with leggings for a fashion forward look

2 Pairs of Tatty Teddy Socks, at Marks & Spencer
A must for fans of Tatty Teddy this 2 pair pack of socks features assorted designs

Autograph Ascari Bedstead - King Size (5ft), at MarksandSpencer
H107 x W248 x D162cm Underbed: H12cm (all dimensions are approximate) Scroll bedhead Hand tied button detail Mattress sold separately All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Satin Spot Print Shirt with Belt, at Marks and Spencer
This fab short sleeve shirt features a stunning spot and empire line design. A sophisticated new look, perfect for this season

Per Una Patent Finish Shopping Bag, at M+S
A patent finish makes this fashionable bag even more special. Give your look the Per Una twist!

Portfolio Stripe Border Cardigan, at Marks & Spencers
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

Portfolio Faux Pearl Lustre Drop Earrings, at Marks and Spenser
Drop style Diamant detail Faux pearl design For hygiene reasons, refunds will only be given in accordance with your legal rights

Signature Grapefruit & Ginger Scented Filled Candle, at Mark's & Spencer
Glass holder Grapefruit and ginger fragrance, Manufacturer: Marks & Spencer

Marks & Spencer 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 Marks & Spencer 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 and 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, Sainsbury's, 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 Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.