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

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from MarksandSpencer, 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 Money Direct, you get more, and you pay less.

Marks and Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Household Insurance or Car Insurance, but Marks and Spencers do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M+S Money website. With a simple, no-hassle service, you can compare features between a number of M&S Finance products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M+S Money loans, credit cards or Household Insurance - besides a number of other insurance products, M+S Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M+S Money insurance products (Household Insurance, Car Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Marks and Spencer insurance products in document format too.

M+S 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 Household 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 Household 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 Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Collezione Wool Rich Single Pleat Stripe Trousers, at MarksandSpencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Patent Oval Buckle Belt, at Marks and Spencer
Define your waistline with this fashionable patent oval buckle belt

Gentle Fitness CD, at Marks & Spensers
Audio CD, Marks & Spencer

Hanging Bag & Cosmetic Purse Set, at M&S
2 piece set Hanging bag with multi compartments Cosmetic purse with zip fastening Plain

St Gall Brut - Case of 6, at Marks & Spenser
Style: Dry Grape variety: Chardonnay, Pinot Noir Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Sonoma Dark Display Shelving Unit, at Marks & Spencer
H160 x W147 x D40cm 4 shelves Made from solid oak and oak veneer Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength Shelves made from White Oak veneer 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

3 Pairs of Opaque Varied Stripe Knee High Socks, at Marks and Spencer
These varied stripe knee high socks make a comfy and warm way to add a touch of style to this season's outfits. Added stretch and a reinforced toe gives durability and comfort

Sheepskin Rug, at Marks & Spencers
Asymmetrical shape Deep pile, Manufacturer: Marks & Spencer

Collezione Pure Cotton Stripe Shirt, at Marks & Spenser
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this shirt to give you a feeling of luxury like no other

Happy Birthday Brother Card, at Marks & Spencers
Cover text reads: Happy birthday brother Inside message: Have a fantastic day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

Big & Tall Single Pleat Plain Trousers with Wool, at Marks & Spencers
Smart and stylish, these trousers are made from a hardwearing wool blend with stretch. An ideal choice for work or everyday wear

Sauvignon Blanc 2008, Vin de Pays du Jardin de la France - Case of 12, at M&S
Style: Dry Grape variety: Sauvignon Blanc Country of origin: France Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml:1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

James Morrison - Songs For You, Truths For Me CD, at Marks and Spencers
Audio CD, Marks & Spencer

Per Una Long Sleeve Crochet Blouse, at Mark's & Spencer
A feminine v-neck self stripe blouse featuring a crochet detail and rear tie fastening

Floral Dome Ring, at Marks & Spenser
Floral detail Chunky dome design

Pure Cotton Roll Neck Stripe Jumper, at M & S
Soft and comfy, this warm knitted roll neck stripe jumper is outstanding value. A fashionable easycare style

5 °Climate Control Cotton Rich Assorted Slips, at M+S
Climate control keeps you cool when you're hot and warms you up when you're cold so you're always at your optimum temperature. Exclusive to M&S, Climate control clothing is comfortable and breathable - ideal for sportswear. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Hooded Long Sleeve Jacket, at Marks and Spenser
Comfy and cosy, this hooded jacket feels soft and warm and is great value. A practical, easycare style

Feather Bow Headband With Satin Trim, at Marks and Spencer
Trimmed with a striking bow and feathers, this glamorous fascinator band is sure to turn heads!

Global Traveller Large Trolley Bag, at Marks and Spenser
Free 5 year guarantee Practical, smart and durable, this fully lined Global Traveller trolley bag can be carried or wheeled. It features a large front pocket and comes with a padlock for security

Total Support Plain Design Full Cup Bra, at Marks&Spencer
Providing great value and comfort for everyday wear, this plain and simple non-wired bra combines supportive full cups with convenient easy to care for fabric

Contrast Stitch Suede Trainers, at Marks & Spencer
Round toe Contrast stitch detail Lace-up Eyelets Contrast flat sole

Fenton Armchair, at Marks & Spenser
H90 x W96 x D103cm Seat H51cm, arm H60cm, top back rail H76cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Back cushions made from polyester fibre 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 hardwood feet with 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Clear Mantlepiece Clock, at Marks & Spencers
Clear body Brass effect finish Dimensions: L12 x W12cm, Manufacturer: Marks & Spencer

5 Pairs of Older Boys' Cotton Rich Assorted Socks, at Marks & Spencer
Brighten up his underwear drawer with these fashionable assorted design socks made with soft breathable cotton

Linen Blend Sleeveless Oblong Cardigan, at Marks and Spencer
Contemporary and casual, this waterfall cardigan is made with cool comfortable linen and features open front for a fashionable look

M&S 19'' HD Ready LCD TV with Built-in DVD Player - Silver, at Marks & Spencer
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 19 inch flat screen, 1440 x 900 pixels Contrast Ratio: 500:1, Dynamic Contrast: 4000:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: H41 x W46 x D20.5cm Sound: Nicam stereo Connectors: 1 x HDMI input, 1 x Scart socket DVD Player: Built-in DVD player 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: 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 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 Use wall mount T042100 to perfectly mount this TV This product is not available for international delivery. Find out more

Soft Grip Slotted Spoon, at Marks and Spencer
Cut-out slot design Suitable for non-stick saucepans Grip handle, Manufacturer: Marks & Spencer

Autograph Monroe Headboard, at MarksandSpencer
Headboard H110cm Double: W135cm King size (5ft): W150cm Super king size (6ft): W180cm Leather upholstery Designed to fit most standard divans Mattress and divan sold separately Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Luxury Pure Wool Tweed Single Breasted 2 Button Jacket, at Marks & Spencers
Beautifully designed, made from superior fabric and finished with careful attention to detail, this 2 button jacket is exceptionally stylish and luxurious

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