There are lots of ways to save money using M&S Money Direct. Not least of these is Mark's & Spencer Standard Motor Insurance. With M&S Money Direct 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 Direct, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & 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 Motor Insurance from Marks & Spencer Money, you get more, and you pay less.

When you're shopping at Marks and Spencer 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 Direct. Offering everything from savings accounts and credit cards, to Buildings & Contents Insurance and Motor Insurance, there's a lot more going on at Marks and Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Money Direct. 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 Direct, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Money Direct 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."

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

Also, on both M&S Money Direct 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.

Assorted Charm Bracelet, at Marks and Spencer
Clasp fastening Adjustable length Assorted charms

Recycled Football Cushion, at Marks and Spencer
Circular shape Football design 28cm diameter, Manufacturer: Marks & Spencer

Pure New Wool Plain Polo Neck Jumper, at Marks n Spencer
Made from pure lambswool, this roll neck jumper is irresistibly soft and cosy

Griffin Road Trip with Smart Scan, at Marks & Spencer
Play music from your iPhone or iPod on your cars stereo system Charges your iPhone or iPod as you listen Switch quickly between presets Griffin-exclusive SmartSound Plus technology delivers clearest possible sound under real-world conditions Flexible steel neck and interchangeable iPod model-specific cradles position your iPod perfectly within reach, never in the way The look and functionality of a custom installation in your car without the cost or inconvenience Antenna:Built-in Power:Provided by your cigarette lighter or 12 volt power outlet (no batteries required) RF Output Range, US: 88.1 MHz -107.9 MHz Radio Frequncy Increments, US: 0.2 MHz per step Input Voltage Range: 12 - 16 volts DC Maximum Current: 2 amps Output Voltage: 5 volts DC at 1 amp Fuse Type 2 amp blade-type automotive fuse

Dan's Mouse Tutu Age 1 Birthday Card, at Marks and Spencer
Cover text: Happy Birthday 1 Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 127 mm

Medium Silver Bursts Gift Bag, at Marks and Spenser
1 gift bag with tag Double handle Circle spot design

The Travel Book: A Journey Through Every Country in the World, at Marks&Spencer
This pint-sized paperback version of the best-seller The Travel Book inspirational images and text will make travel from your armchair a delight and inspire your future travel plans A-to-Z coverage of 218 countries

Petite Sleeveless Ribbed Dress, at Marks & Spencers
Get this season's look with this elegant knee length dress. It's fashionably styled with ribbed detail. Specially designed and perfectly proportioned for the petite frame

Detroit Dining Table, at Marks and Spenser
H75 x W90 x D150cm Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs Delivered flatpack due to size 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 manufacturer's instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Uva Mira Sauvignon Blanc 2008 - Case of 6, at Marks and Spencer
Style: Dry Grape variety: 100% Sauvignon Blanc Country of origin: South Africa Closure: Screw cap Suitable for Vegetarians and Vegans Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

LED Apple Thank You Teacher Gift, at Marks and Spencer
1 LED light Apple shaped jotter box Pack comes with: 1 apple shaped box, jotter paper and 2 pencils H95 x Diameter 130mm

Fairtrade Organic Cotton Plain Dye Fitted Sheet, at Marks & Spenser
Threadcount: 180 Single (3ft): L190 x W91cm Double (4ft 6in): L190 x W137 cm King (5ft): L200 x W152cm Super-King (6ft): L220 x W183cm Depth: 25cm Easy care finish for easier ironing Available in duvet cover, fitted sheet, flat sheet and pillowcase, Manufacturer: Marks & Spencer

M&S Arm Wall Mount with Tilt for 23-32'' TV, at Marks & Spencers
Fits LCD, TFT and plasma screens from 23-32 inches Dual pivot cantilever VESA compliant for 23-32in screens Fully assembled Drilling template supplied Dimensions: H28.5 x W58 x D8.5cm This product is not available for international delivery. Find out more 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, Manufacturer: Marks & Spencer

Tortoise Sorry It's Late Card, at M & S
Cover text: Sorry it's late Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 127mm

Cute Kitten Birthday Card, at Marks and Spencer
Cover text: Have a lovely Birthday Inside message: blank for your own message Approx size: 174 x 126mm

Pavilion Side Plate, at MarksandSpencer
Round shape Platinum detail, Manufacturer: Marks & Spencer

Short Sleeve Mock Layer Jersey Top, at Mark & Spensers
Feminine and pretty, this mock layer top will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

Oval Ceramic Vase, at Marks & Spensers
Ceramic Oval shape Tonal design H47 x 24cm diam, Manufacturer: Marks & Spencer

Cut Flowers Infusion Sticks, at Marks & Spencers
Glass container Long lasting infusion sticks, Manufacturer: Marks & Spencer

Cotton Rich Stripe Vest Top with Bow, at Marks and Spencer
A great value fashion essential. This contemporary top features a bow and stripe design for a modern look

Travel Overnight Bag, at Marks & Spencer
Fashionable and practical, this overnight bag is capacious but not bulky. It features a turn lock feature

Hand Made Spring Flowers Birthday Card, at Mark & Spencers
Cover text: Wishing you a lovely Birthday Inside message: blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

Gold Finish Wood Photo Frame 20 x 25cm (8 x 10"), at Marks and Spencer
Rectangular frame Pine wood border Gold finish Aperture: 20 x 25cm (8x10") Dimension: H30.5 x W38.1 x D2.7cm, Manufacturer: Marks & Spencer

M&S Black Finish Flat Panel TV Stand up to 32'', at Marks and Spencer
Supports flat panel LCD and plasma TVs up to 32" Clear tempered safety glass shelves Fits up to 4 audio video components and a center channel speaker Includes a cable management system to hide wires and interconnect cables Metallic black finish Scratch resistant, powder-coated steel framing Top shelf weight capacity: 45.3kg Lower shelves weight capacity: 22.7kg Overall dimensions: H76.2 xW81.3 x D46.7cm Top shelf dimensions: W81.3 x D33cm Middle shelf dimensions: H30.2 x W81.3 x D34.3cm Lower shelf dimensions: H30.2 x W81.3 x D40cm Boxed delivery - self-assembly required This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Cotton Rich Scallop Trim Low Rise Shorts, at Marks and Spencer
These cotton rich shorts are shapely and modern. They have been designed with added stretch for a snug, comfortable and figure-flattering fit

Maternity Piped Swimsuit, at Marks n Spencer
Fashionable and modern, this piped swimsuit is designed to flatter you and your bump. Added stretch and a clever cut give a neat, comfortable fit with room for growth. A practical, versatile choice

125 Years Blue Harbour Heritage Pure Cotton Chinos, at Mark's & Spencer
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

Pure Cotton Short Sleeve Frill Insert Top, at Marks and Spencer
Pretty and feminine, this short sleeve top is made from pure soft cotton. The frilled insert adds a fashionable finishing touch

The Mini Brain Games Puzzler, at Marks and Spencer
Take the challenge of the Mini Brain games puzzler for a total cerebral workout. This tiny book is full of a wide range of brain training puzzles so you can reap the rewards of an exercised and mentally agile mind !

Lucy Mannequin Jewellery Holder, at Marks & Spencers
Mannequin design Multiple hooks Height 18"

M&S Money Direct Insurance: There are, quite literally, hundreds of companies in the UK from whom you can purchase insurance. Whether you're looking for the best deal on Motor Insurance, buildings and contents insurance, or even wedding insurance, it doesn't take long to find a company that will sell you a policy.

However, not all insurance companies, and certainly not all insurance policies, are the same. What may be standard on one insurance policy may be an optional extra on another, for instance; Motor Insurance and Buildings & Contents Insurance are especially like this.

For example, most home and contents insurance policies either ask you to provide the total cost of rebuilding your home plus the total value of your home contents, or they will set an upper limit. This may seem fine at the time, but, in the event of a claim on your Buildings & Contents Insurance policy, the values act as maximum limits, and so you may, in effect, be under-insured and not receive the full value of your insurance claim.

Fortunately, M&S Money Direct Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.