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

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks and Spencer once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks & Spencer, through its M&S Money Direct website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Buildings Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Mark & Spensers may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Motor Insurance, but Marks and Spenser 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 Direct website. With a simple, no-hassle service, you can compare features between a number of M&S Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Money Direct loans, credit cards or Buildings Insurance - besides a number of other insurance products, M&S Money Direct 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 Direct insurance products (Buildings Insurance, Motor 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 M&S insurance products in document format too.

Linen Blend Sleeveless Shell Top, at M&S
This sleeveless top will make a useful addition to your wardrobe. It features pretty pintuck detailing for a stylish casual look

I Love Sugar Recipe Book, at Marks and Spencer
Over 100 easy-to-follow recipes for all manner of sweet treats. Each illustrated with a beautiful colour photograph of the finished dish. Handy square format

Pure Cotton Short Sleeve Plain Shirt, at M+S
Stylish and innovative, this easycare short sleeve shirt is quick and easy to iron for a smart crisp look

Woodlands Puzzle, at Mark's & Spencer
Suitable for ages 0-3 years 17 pieces, 4 puzzles Helps with hand-eye coordination and problem solving This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Base & Top Coat Nail Polish, at Marks and Spencer
2 x 11ml Protects your nails from staining Prolonged wear for your nail colour Lasting and brilliant shine Protection against chips

Per Una Jewel Embellishment Belt, at Mark & Spensers
A jewel embellishment makes this fashionable belt even more special. Add a stylish finishing touch from Per Una

Autograph Pure Cashmere Crew Neck Jumper, at Marks and Spencers
Sophisticated and modern, this crew neck jumper is made from pure cashmere for the ultimate in luxurious softness. Exclusive, luxurious and beautiful

Cut About Stripe Long Length Skirt, at Marks and Spencer
Elegant and feminine, this A line skirt features a cut about stripe print and panel design. Stylish, practical and fashionable

Autograph Precision Tweezers with Pouch, at Mark's & Spencer
Contains 1 pair of tweezers Comes in an attractive pouch Presented in a box

Chateau de la Charriere Savigny-Les-Beaune 2005 - Case of 6, at M & S
Style: Dry Grape variety: Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Large Outdoor Barrel, at Marks and Spencer
This square wooden barrel is packed with goldcrest conifer, geranium, lavender and hedera. A charming planter, ideal for brightening gardens, courtyards or patios Available for delivery until 30th September 2009

Angel Cotton Rich Spot Print First Bra & Shorts Set, at Marks & Spencers
This simply styled great value spot print bra and shorts set is ideal for everyday wear. It's made with stretchy cotton for a supportive and comfortable fit and the non-wired design is the best choice for first bras

Spots & Butterflies Daughter Birthday Card, at Marks & Spencers
Cover Text: To a special Daughter Inside Message: Happy Birthday Approx size: 175 x 125mm

Willowbank Semillon Chardonnay 2008 - Case of 12, at Marks and Spencers
Style: Dry Grape Variety: Semillon, Chardonnay Country of origin: Australia Closure: Screw cap 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

Fern Armchair, at Marks&Spencer
H98 x W106 x D98cm Seat: H50cm (all dimensions are approximate) Seat cushions filled with shape-retaining Ecoflex™ foam - superior quality foam with a high density for added comfort and support, made with 80% recycled plastic bottles Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Available with loose cushion covers 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 Feet are glides Available in Fairtrade certified cotton (cream coloured) All of our fabrics are treated with Stain-Defence& trade; - 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 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

Easycare Long Sleeve Shirt, at M&S
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Casa Leona Chardonnay 2008 - Case of 12, at Mark's & Spencer
Style: Dry Grape variety: Chardonnay Country of origin: Chile Closure: Synthetic closure Suitable for vegetarians Bottle: 12 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

100 Denier Reversible Opaque Tights, at Marks and Spencer
These comfortable 100 denier opaque tights are made with added stretch and a reinforced toe for durability.

Hepworth Extending Dining Table & 6 Cross-Back Chairs Set, at Marks & Spencer
Table: H75.5 x L175 x W90cm Extends to L215cm Table seats 6-8 Extension leaf is stored beneath the table top Dark brown leather seat pads Chair: H97 x W47 x D63cm Seat: H48cm Made from European Birch solids and veneers Treated with a rich stain and aged with dark patina known as a 'housemaid's rub' Finished with 2 coats of durable, clear lacquer of mid sheen Chairs made from solid wood for strength Solid European Birch legs Top panel is veneered with solid birch edging for strength All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings 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

Château Domeyne 2001 - Case of 6, at Marks and Spencer
Style: Medium bodied Grape variety: Cabernet Sauvignon, Merlot, Cabernet Franc Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Rococo Style Mirror (8 x 10''), at Marks & Spencers
Rococo design Dimensions: 20.3 x 25.4cm (8 x 10'') Wall mounted or stand-alone, Manufacturer: Marks & Spencer

Autograph Luxury Pure Cotton Blend Stripe Shirt, at Marks & Spensers
Smart and refined, this shirt is part of an exclusive range of beautiful garments, available only in our top stores and online. It's made from superfine yarn so it feels luxuriously smooth. Designed for a stylish contemporary look and great fit

Mixed Faux Pearl & Bead Tassel Necklace, at Marks and Spencer
Clasp fastening Tassel detail Mixed Faux pearl and bead design Necklace length: 76cm

Small Packaway Bag, at Marks & Spencers
This trendy packaway shopping bag that is easy to carry, for those unforeseen purchases

Per Una Cotton Rich Hooded Dressing Gown, at Marks & Spenser
Modern and feminine, this pretty hooded dressing gown is made from soft cotton rich fabric so you can relax in comfort and style. Part of Per Una's sleepwear collection

Fresh Rose Refresher Oil, at M & S
Refresher and burner oil 15ml, Manufacturer: Marks & Spencer

Stripe Bandeau Bodyshaper Swimsuit, at Mark's & Spencer
Feminine and pretty, this stylish swimsuit shapes and smoothes your figure, giving you a flattering fit. Make a splash!

Airflex™ Wide Fit Mud Guard Lace Up Shoes, at M+S
These shoes are specially designed with the Airflex™ sole system using the latest technology to provide your feet with utmost comfort, support and grip

3 Pairs of Assorted Star Socks, at Marks & Spencers
Get a fabulous, fashionable look with these star design socks. They're made from comfortable soft stretch cotton for a great fit and shape retention

Nokia 6300 - T-Mobile Pay as you talk Mobile Phone, at Marks & Spencers
Maximum of 2 phones per customer may be purchased Talk Time: Up to 3.5 hours Stand-by Time: Up to 14 days Screen: 320 x 240 pixel TFT QVGA screen, up to 16.7 Million True colors, 2 inch Ringtones: Video ringing tones , MP3 ringing tones, True tones, and MIDI tones for up to 64 polyphonic tones Dimensions: H10.6 x W4.3 x D1.3cm. Weight: 91g Camera: 2 megapixel, 8x digital zoom and full screen viewfinder Radio: FM stereo radio with Visual Radio Music player: Music player supporting MP3, MP4, AAC, AAC+, eAAC+, H.263, H.264 Internet: XHTML browser, access your email on the go and send attachments Games and applications: Java™ MIDP 2.0 games and applications Memory: Up to 7.8 MB internal user memory. MicroSD card slot (up to 2GB) for storing pictures and music Messaging: SMS and MMS Battery: BL-4CBattery(860 mAh) Voice Features: Voice recorder, voice volume control, voice commands, voice messaging, integrated handsfree speaker Connectivity: Mini USB, Bluetooth, AV 2.5mm Video: Video recorder and player Includes in the box: Nokia 6300 handset and Nokia stereo headset HS-47

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