There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks & Spenser 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 & 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 Car Insurance from M&S Finance, you get more, and you pay less.

Shopping for financial products at Marks & Spencer Money UK website is just as simple as shopping for fashion or furniture at the Marks and Spenser online store. Here are just some of the financial products which can be purchased via the Marks & Spencer Money website:

• M&S Insurance: M&S Car Insurance, M&S Property 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 Marks and Spencers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting Marks & Spencer Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the Marks & Spencer Money website.

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 Spenser are so useful. Marks & Spencer Money financial products are, of course, designed to make Marks & 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, Property Insurance policies. Usually, UK Property 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 Property 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 Property Insurance than you will anywhere else, and you may even pay less with M&S.

M&S Twin 1210 DECT Cordless Phones with Answering Machine, at Marks and Spencer
DECT - Digitally enhanced cordless phones provide crystal clear sound quality, increased talk time and range coupled with increased security 3 line display 40 name and number phonebook Up to 8 hours talk time and up to 80 hours standby Answering machine with up to 15 minutes digital recording time and remote access Caller display stores information on the last 20 calls 8 ringer melodies Last 10 number redial Adjustable ringer and earpiece volume Call duration display EZcom™ - use your phones like an intercom 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

Pure Silk Embroidered Floral Tie, at Marks & Spencer
Add a luxurious finishing touch with this smart embroidered floral tie in pure silk

Younger Boys' Wrap Around Sunglasses, at Marks & Spensers
Fashionable and fab, these wrap around sunglasses give 100% UV protection for safer style in the sun

MoDA Grasses and Foliage Bamboo Paper Blank Card, at Marks & Spencer
Cover text: Blank Inside message: Blank for your own message Our MoDA range has been screen printed onto paper made from bamboo. Bamboo is a truly sustainable and renewable resource as it's the fastest growing plant on the planet! Approx size: 150 x 150mm

Cashmilon™ V-Neck Long Sleeve Jumper, at Marks & Spencers
Soft and cosy, this long sleeve jumper is made from supersoft cashmilon™. A smart modern look

Limited Collection Ruched Shoulder Bag, at Marks and Spenser
Fashionable and fabulous, this ruched shoulder bag is designed in one of this season's key shapes. It's a practical as well as trend-conscious accessory. Get the latest look!

Thomas & Friends© Funnel Zip Neck Fleece, at Marks & Spencers
Fans of Thomas & friends will love this funnel neck fleece featuring the popular character. A practical, easycare style

Earth Spa Moisture Quenching Body Gel, at Marks & Spenser
To replenish and pamper 300ml Ingredients: Aqua , Cyclomethicone, Alcohol Denat. Glyceryl Polymethacrylate, Glycereth-26, Phenoxyethanol, Biosaccharide Gum-1, Sodium Carbomer, Limonene, Carbomer, Glycerin, Benzyl Alcohol, Citrus Aurantium Dulcis Oil, Methylparaben, Benzophenone-4, Linalool, Aloe Barbadensis, Disodium EDTA, Butylparaben, Citrus Aurantium Bergamia Oil, Sodium Hydroxide, Propylene Glycol, Ethylparaben, Citrus Medica Limonum Oil, Pelargonium Graveolens Oil, Propylparaben, Orchis Mascula, Isobutylparaben, Plumeria Alba, Parfum, Propylene Glycol Dicaprylate/Dicaprate, Eugenol, Citrus Aurantifolia Oil, Citrus Nobilis Oil, Pogostemon Cablin Oil, Citronellol, Geraniol, Benzyl Benzoate, Citral, Xanthan Gum, CI 14700

2 Piece Pure Cotton Stripe Polo Neck Outfit, at Marks&Spencer
Fun and practical, this cute 2-piece outfit features a "4" motif. It's made from soft cotton to keep him comfy

Portfolio Shadow Stripe Waterfall Cardigan, at Mark's & Spencer
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

In Bloom Jasmine & Honeysuckle Fragranced Candle, at Marks and Spencer
Jasmine and honeysuckle fragrance Burn time: 20 hours, Manufacturer: Marks & Spencer

Sony Bravia 32'' KDL-32S5500 HD Ready LCD TV, at Marks and Spencer
HD Ready 1080i: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: LCD Sony Bravia Engine 2 with a 32 inch viewable screen and a display resolution of 1920 x 1080 pixels Dynamic Contrast: 25000:1 Integrated Digital & Cable Tuner: Watch digital TV with the integrated standard definition digital terrestrial tuner (MPEG-2, also receives analogue) Dimensions: With table stand: W80.7 x H55.7 x D22.2cm, without table stand: W80.7 x H50.8 x D94cm Weight: inc. stand 12.7kg, without stand 11.4kg Sound: Nicam stereo Connectors: HDMI™ Inputs x 3, HDMI™ PC Signal Capability, PC Input (15pin D-Sub) + Audio In, Component Inputs x 1, Composite Video In x 1, USB 2.0 Input, MiniJack (Head/Earphone) 3.5mm, PCMCIA Card Slot, RCA Audio Out, RF In, Scart Inputs (RGB) x 2 BRAVIA Engine 2: Enjoy images with impressive depth and clarity, optimal contrast, vibrant colours and truer-to life tones with BRAVIA ENGINE 2 24p True Cinema: Shows images at 24 frames per second just like a real cinema screen Picture Mode: Share your favourite photos and music on the big screen with the easy-to-use USB Photo Viewer and Music Player Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Cotton Rich Drawstring Flared Joggers, at Marks n Spencer
Relaxed and comfy, these casual joggers are made from cotton rich fabric and feature a drawstring waist. A practical easycare choice

USA & Australia Travel Adaptor, at M&S
UK socket to 2 flat pin plug adaptor

Mitchelton Crescent Mourvèdre Shiraz Grenache 2005 - Case of 6, at Marks & Spenser
Style: Dry Grape variety: Mourvdre, Shiraz, Grenache Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 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

Nintendo DS Lite™ Console - Pink, at Marks & Spencer
Dual Screens open up new possibilities - use the touch screen as an inventory reference for role-playing games, to view maps for your favourite strategy game, or see racing action from two perspectives at once Navigate menus or access inventory items simply by touching the screen with stylus or fingertip Tough film to protects touchscreen Advanced 3D graphics engine and 16-channel audio, for graphics and Sound that are superior to other portable game systems All-new PictoChat feature allows DS users to write messages with an on-screen Keyboard or the stylus and send them wirelessly Built-in Microphone port for voice control of games, or for voice chat with other DS players Less than two-thirds the size of the original Nintendo DS More than 20 percent lighter than original DS 4 adjustable brightness levels to extend battery life Repositioned microphone and LED lights Stylus has been redesigned- now 1cm longer and 1mm thicker Repositioned start and select buttons 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

Black Floral on Kraft Luxury Wrap Pack, at Mark's & Spencer
1 x gift tag 1 x length ribbon 1 x sheet wrapping paper Wrap: 685 x 98 mm Tag: 115 x 65 mm Ribbon: 2m

Body Solutions Smooth Multiway Camisole, at Marks and Spencer
Cool and comfortable, this modern camisole is made from soft fabric with added stretch for a great fit

Faceted Button Clip-On Earrings, at Marks & Spenser
Clip-on fastening Faceted button design

Long Sleeve Embroidered Bib Top, at Mark & Spencers
This Nehru collar top makes a perfect way of getting the smart casual look this season. It has a bib detail and scallop trim for an extra touch of stylish chic

Cotton Rich Non-Wired Total Support, at Marks and Spencer
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

Siemens Built-In Induction Hob EH775501E, at Mark's & Spencer
H60 x W575 x D505mm Black ceramic glass hob with stainless steel trim Four induction zones with boost function LED display Front-mounted electronic controls 17 temperature settings including 'keep warm' setting Residual heat indicator for each zone Automatic safety cut-out and emergency stop facility Child lock 2-year guarantee This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Bow Detail Jersey Gloves, at Marks & Spencer
Keep out the cold in style and comfort with these flattering soft stretchy gloves finished with a bow detail

Almond Toe Gusset Feature Shoe Boots, at Marks and Spencer
Almond toe Centre stitch detail Gusset feature Slip on Mid heel Heel height: 66mm

Autograph Cotton Rich Knitted Dress and Tights Outfit, at M&S
Practical and pretty, this cute knitted dress and tights 2 piece outfit is made from soft cotton to keep her feeling comfy and happy

3 Pairs of Cotton Rich Assorted Socks, at Marks and Spenser
These classic cotton rich socks are soft, breathable and comfortable. Added stretch gives a great fit

Leather Fresh Feet Slip On Boat Shoe, at Marks & Spencer
Round toe Lace stitch detail Contrast stitching Slip on style Flat sole

Pure Cotton Cropped Cargo Trousers, at Mark & Spensers
Fresh and fashionable, these cotton trousers look chic with wedges, sandals or flat pumps. Multiple pockets add an extra touch of style

Sketchy Farm Animals Multipack of Mini Cards, at Marks & Spencers
Cover text: Design 1: Thank you, Design 2: Thanks! Thanks! Thanks!, Design 3: Thank you very much!, Design 4: Thank you 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 Pack Contains 8 cards, 4 designs Approx size: 95 x 80mm

Firm Control High Waist Knickers, at Marks and Spencers
Look slimmer in seconds! These firm control knickers gently flatten tummies for a sleeker, slimmer silhouette

Marks & Spencer Money 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 Car 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; Car Insurance and Property 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 Property 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, Marks & Spencer Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.