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

Nonetheless, many features are standard to both the Premier and the Standard Car 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 Car Insurance from M&S Financial Services, you get more, and you pay less.

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

Also, on both M&S Money Direct Premier Property Insurance and Standard Property 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.

M&S Money Direct 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 M&S Money Direct 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 Tescos 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 M&S Money Direct UK and European Breakdown Cover, since it covers you as a passenger too.

Woven Silk Battersea Stripe Pattern Tie with Stain Defence™, at Marks & Spensers
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

Best Of British Trivia Card Game, at Marks & Spensers
Number of players: 2+ Suitable for ages 14+ Contains: 150 question cards, score pad, pencil and instructions Approx. card size: 58 x 88mm This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

PlayStation®2 Pro Evolution Soccer 2008™ Game, at Marks and Spenser
All new 'Teamvision' A.I. (artificial intelligence) system Improved A.I. for defenders and attackers Enhanced close control system enabling more control of the ball when dribbling Improved set pieces - players now have full control over the defensive wall Increased player detail with full facial animation Extensive edit mode including players, kits, badges & stadium names Brand new commentary by John Champion and Mark Lawrenson 2007 Sony Computer Entertainment Europe 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, ESRB Rating: Kids to Adults

Sartorial Fine Tasselled Trim Stripe Scarf, at Marks and Spencer
Keep out the cold in style with this warm, soft luxury scarf

Suede Sprung-Edge Divan with 2 Small + 2 Large Drawers & M400 Mattress - Firm, at Marks and Spencer
Double mattress (4ft 6in): W135 x L190cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 24cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Small drawer: H14 x W40 x D52cm Mattress filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give the mattress edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs Mattress spring count: 1054 Sprung-edge divan can be used with any mattress Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Elasticated Weave Waist Belt, at Marks & Spencers
Define your waistline with this fashionable weave waist belt.

Montepulciano d'Abruzzo Cerasuolo Rose 2008 - Case of 12, at Mark & Spensers
Style: Dry Grape variety: Montepulciano d'Abruzzo Country of origin: Italy Closure: Synthetic closure Suitable for vegetarians 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

Wedding Rings Wedding Card, at Marks & Spencers
Cover text: On Your Wedding Day Inside message: Blank for your own message Approx size: 230 x 114mm

Sony Bravia 52'' KDL-52EX1 HD Ready LCD TV, at Marks and Spencer
HD Ready 1080p: HD 1080p compatible to display High Definition signals in breathtaking quality, i.e. Playstation 3, Blu-ray, etc. HDMI (High-Definition Multimedia Interface) delivers crystal-clear, digital audio and video signals using a single cable. 1080p is the maximum resolution defined for HDTV use Display: 52 inch screen BRAVIA Engine 2: Experience incredibly clear and defined images with BRAVIA ENGINE 2 picture enhancement technology and Advanced Contrast Enhancer Live Colour Creation with x.v.Colour: Uses a larger colour palette to produce vibrant colour like nature intended it to be seen Integrated Digital and Cable Tuner Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) and is cable TV ready (with supported providers only) S-Force Pro Front Surround: Gives you virtual surround sound from just two front speakers 24p True Cinema: Shows films at 24 frames per second, just like a real cinema Picture Frame Mode: When you are not watching TV, display one of the 6 pre-installed masterpieces or show one of your own photos uploaded via the USB input Motionflow: Boosts the refresh rate from standard 50Hz to 100Hz for super-smooth, precise viewing, which is ideal for sports Xross Media Bar: A new Sony interface that's easier to operate Voice Zoom: Allows you to alter the volume of voices without changing the background volume BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button Connectors: Digital audio output (optical), HDMI™ PC signal capability, 4 x HDMI™ inputs, PC input (15pin d-sub) + audio in, USB 2.0 input, RCA AV input, PCMCIA card slot, 3.5mm MiniJack (Head/Earphone) 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 Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Girls' Limited Plain Leggings, at M&S
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Leather Cross Body Bag, at Marks & Spencer
Fashionable, comfortable and secure, this cross-body bag is made from luxurious hardwearing leather and features an adjustable strap and front compartments. A practical and stylish accessory

Knee Length Crepe Skater Skirt, at Marks & Spencers
Fashionable and contemporary, this panelled skater skirt is a stylish, versatile choice. A great work-to-evening style

Holiday Puzzle Book, at Marks and Spenser
Whether you are relaxing on the beach, or travelling to your tropical getaway, this brand new collection of puzzles will put your solving skills to the test. Inside you will find crosswords, wordsearches, sudoku, word and number puzzles, plus many other both new and familiar puzzles to challenge and entertain you

Long Shell Necklace, at Marks and Spencer
Assorted shell stones Long length Necklace length 80cm

Instant Fix 24 Cooling Eye Pads, at Marks & Spensers
Place a pad on each closed eyelid, lie back and relax for 1-15 minutes For extra soothing, store in a refrigerator before use Includes 24 cooling cucumber eye pads With aloe vera, cucumber extract and camomile

Single Sprung-Edge Divan with 1 Small + 1 Large Drawers & F400 Coolmax® Pocket Memory Foam Mattress, at Marks n Spencer
Single mattress (3ft): W90 x L190cm Single divan (3ft): W90 x L190cm Mattress depth: 24cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Small drawer: H14 x W40 x D52cm Individually pocketed springs Mattress features a layer of resilient foam and memory foam, and also polyester fibre Mattress has foam layers to encourage air circulation Two rows of hand side-stitching give edge-to-edge support on the mattress Quality Belgian fabric for added durability Coolmax stretch knit cover helps regulate body temperature and adds a soft feel to the mattress Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support Pocket sprung mattresses give a flexible feel All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Duo Twist Platinum-Plated Rings, at Marks and Spencer
An elegant display of understated glamour puts this gorgeous platinum plated ring in a class of its own

Nectarine & Orange Pot Pourri Box, at Marks and Spencers
Nectarine and orange scented Presented in a box, Manufacturer: Marks & Spencer

Autograph Pure Cotton Tank Top & T-Shirt Outfit, at Marks and Spencer
Fashionable and practical, this cute outfit is made from soft cotton to keep him feeling comfy. With luxury in every detail, this is part of our exclusive Autograph collection

Classic Collection Floral Print Skirt, at Marks & Spenser
Elegant, stylish and comfortable, this maxi length pull-on skirt is finished with floral print design. The ideal match for blouses and fine knits in coordinating colours

Autograph Weekend Cotton Rich Jeans, at Marks & Spencers
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Autograph Damask Jaquard Table Runner, at Marks & Spenser
Damask design Jaquard detail Dimensions: 33cm x 230cm Think climate! This can be washed effectively at 30C, find out more , Manufacturer: Marks & Spencer

Dan's Mouse with Gift 21st Birthday Card, at Marks and Spencer
Cover text: 21 today! Inside message: Blank for your own message Approx size: 230 x 114mm

Funnel Neck Sleeveless Fleece Gilet, at Marks and Spencers
Soft and comfy, this fleece gilet makes a stylish way to add a warm extra layer, perfect for autumn.

Flowers by Post - 22 White Fairtrade Roses, at Marks & Spencer
Simply exquisite, order these white Fairtrade Roses and they'll be carefully wrapped and delivered by first-class post. Flowers by Post is a great value way to spoil someone you know - or yourself Fairtrade Certified Flowers

2 Fairmont Chairs, at Marks and Spencer
Set of 2 Textaline and teak design Easy-clean fabric Teak source approved by the World Wildlife Fund Suitable for outdoor use 96 x 56 x 81cm Seat: H46cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Long Sleeve Dotty Collar Cardigan, at Mark's & Spencer
A feminine v-neck knitted cardigan in soft fabric featuring double layered collar with dotty trim

Dragonfly Brooch, at Mark's & Spencer
Dragonfly design Pin fastening

Autograph Essentials Crew Neck Cardigan with Cashmere, at Marks & Spencer
A touch of cashmere adds luxurious softness to this smart crew neck cardigan. Exclusive and beautiful

Floral & Polka Dot Thank You Cards - Pack of Ten, at Marks & Spencers
Inside message: Blank for your own message 10 cards, 1 design Approx size: Unfolded: 155 x 110mm

Shopping for financial products at M&S Money Direct UK website is just as simple as shopping for fashion or furniture at the Mark's & Spencer online store. Here are just some of the financial products which can be purchased via the M&S Money Direct 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 Spencer, it's easy to see that these are good financial products, at value-for-money prices.

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