There are lots of ways to save money using Marks & Spencers Money. Not least of these is Marks and Spencer Standard Car Insurance. With Marks & Spencers 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 & Spencers 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 and 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 Money, you get more, and you pay less.

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

Also, on both Marks & Spencers Money 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.

Marks & Spencers Money 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 Marks & Spencers Money 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 & Spencers 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, Sainsbury's, 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 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 Marks & Spencers Money UK and European Breakdown Cover, since it covers you as a passenger too.

Easycare Long Sleeve Textured Shirt, at MarksandSpencer
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

3 Pairs of 10 Denier Ladder Resistant Tights, at Marks and Spencer
These essential tights are fantastic value. They're made with added stretch for a great fit and shape retention

Per Una Knitted Tassel Scarf, at Marks and Spencer
Keep out the chills in fashionable style with this warm soft scarf in a modern chunky multicoloured knit.

Sterling Silver Organic Double Oval Necklace, at Marks and Spencer
Clasp fastening Double oval design Length: 41cm

Pure Cotton Straight Leg Jeans with Belt, at Marks & Spencers
Jeans are a wardrobe essential and this straight leg pair make a fashionable and practical choice

Acapulco Ring, at Marks and Spencers
Chunky design Sun detail

Autograph Weekend Long Sleeve Pyjama Top, at Marks & Spencers
Luxurious and sophisticated, this modern long sleeve pyjama top is part of our exclusive Autograph Weekend collection. Made from the softest fabrics for the ultimate in comfort, it's beautifully designed and finished

Football Pitch Son Birthday Card, at Marks & Spencers
Cover text: Happy birthday "It's in the net!" Son Inside message: With love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 127mm

Portfolio Wide Leg Tab Detail Trousers, at Marks & Spencers
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Gascogne Cuvée Spéciale 2008 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: Colombard and Ugni Blanc Country of origin: France Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 11.5% vol. Alcohol units per bottle: 8.6 Alcohol units per 125ml: 1.4 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Classic Collection Short Sleeve Floral Print Nightdress, at Mark & Spensers
Fresh and feminine, this nightdress is comfortable to sleep in and features pretty lace detail

Faux Pearl Long Necklace, at M&S
Faux pearl Long length Necklace length 122cm

Younger Boys' Cotton Rich Night Flight Pyjamas, at Marks and Spencer
Soft and comfy, these pure cotton pyjamas are outstanding value

Paddington Bear, at Marks n Spencer
Join Paddington and the Browns as they start their adventures at Paddington Station and relive the classic story in this charming picture book

Philips HP6509 Satinelle Soft Sensitive Epilator, at Marks & Spenser
Double waved massage roller minimises the pulling sensation and soothes the skin after epilation Specifically adapted cap for more sensitive skin, allowing for gentle epilation in delicate areas Ergonomic grip for comfortable handling Extra speed setting for more sensitive zones Washable epilation head Voltage: 100-240V Power consumption: 7.5W Number of discs: 21 Number of catching points: 20 Comes with adapter plug and cleaning brush

Machine Washable & Tumble Dry Single Breasted 3 Button Stripe Jacket, at Marks & Spencers
Put an end to expensive trips to the dry cleaner with our innovative Machine Washable range. Each suit's stylish cut and fit is combined with high quality fabric that can be machine washed and tumble dried

Yalumba Australian Shiraz 2008 - Case of 12, at M&S
Style: Full bodied Grape variety: Shiraz (Syrah) Country of origin: Australia Closure: Screw cap 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

Travel Shoe Bag, at Marks & Spensers
Prevent scuffs and marks on your favourite shoes, by placing them in this funky shoe bag

2 Pure Cotton Assorted Design Pyjamas, at Marks & Spencers
Cute and comfy, this 4 part set of pure cotton pyjamas featuring 2 tops, full length bottoms and a pair of shorts is an outstanding value

Maxim 5-Piece Pasta Set, at Marks & Spencers
Set of 5 Includes 4 small pasta bowls and 1 large pasta bowl Plain white porcelain Versatile fine dining range Suitable for everyday use Small pasta bowl: Diam 22cm Large pasta bowl: Diam 28cm, Manufacturer: Marks & Spencer

Maxim Rice Bowl, at Marks and Spencer
Rice bowl Versatile fine dining range Pure white porcelain Diam 15cm, Manufacturer: Marks & Spencer

3 Pure Cotton Assorted Sleepsuits, at Marks & Spenser
Soft and snuggly, this practical pack of sleepsuits is great value! The cotton fabric is comfy to sleep in and popper fastenings make quick changes easy

Lightweight Pure Cotton Patchwork Print Scarf, at Mark & Spencers
Keep warm without compromising on style! This fashionable patchwork leaf print scarf feels soft and cosy and makes a great way to keep looking great on those cold days

Bursa Pencil Pleat Curtains, at Mark & Spensers
Pencil pleat Trailing flower design Lined Comes in standard 168cm/66'' (STD) and wider 219cm/86'' (WDR) widths Also comes in three drop lengths: short (137cm/54''), medium (183cm/72''), long (229cm/90'') How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Leather Hip Coin ID Wallet, at Mark's & Spencer
Smart, stylish and practical, this leather wallet makes it easy to organise cards, notes and coins

Dot Dash Embroidered Bed Set, at Marks&Spencer
2 part set Dot dash design Cloud pattern Embroidered detail Think climate! This can be washed effectively at 30C, find out more Co-ordinate with 50/50 Stone plain dye sheets and pillowcases strokes T352101F,T352101S,T352101P,T352101V, Manufacturer: Marks & Spencer

Autograph White Lacquer Stool, at Marks and Spenser
H50 x Diam 35cm High gloss white finish Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself 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

Portfolio Short Sleeve Jersey Top, at Marks and Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Older Girls' Pure Cotton Embroidered Canvas Trainers, at Marks&Spencer
Round toe Embroidered floral design Lace up fastening Stitch detail Flat sole

Autograph Leather Lace-Up Shoes by Jeffery-West, at Marks & Spencer
Square toe Punched hole 4 eyelets Lace-up Block heel Tramline design Designed exclusively for Autograph by Jeffery-West

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 & Spencers are so useful. Marks & Spencers Money financial products are, of course, designed to make Mark & Spensers 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 & Spencers 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 & Spencers Money Property Insurance than you will anywhere else, and you may even pay less with M&S.