There are lots of ways to save money using M&S Financial Services. Not least of these is Marks & Spencer Standard Motor Insurance. With M&S Financial Services 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 Financial Services, 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, 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 Spenser 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 Mark & Spensers, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Besides Marks & Spencer Motor Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Home 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 Financial Services 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&Spencer purchases are also protected while you take them home.

Also, on both M&S Financial Services Premier Home Insurance and Standard Home 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.

Pure Cotton Short Sleeve Palm Tree T-Shirt, at Marks and Spencer
A practical, casual top in pure cotton featuring palm tree silhouettes. A great value easycare style

Cotton Rich Plain Cropped Trousers, at Marks & Spencers
Elegant and sophisticated, these cotton mid calf length trousers are tailored for a chic contemporary look

Classic Collection Pure Cotton V-Neck Top, at M+S
Feminine and pretty, this versatile top is made from soft easycare fabric and features a floral print neckline. A fashionable style with a comfortable, flattering fit

Sennen Pasta Bowl - Linen, at Marks & Spencers
Contrast stripe trim Diam 23cm Single stripe detail, Manufacturer: Marks & Spencer

Autograph Luxury Pure Cotton Blend Stripe Shirt, at Marks and Spencer
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

Per Una 3/4 Sleeve Corsage Cardigan, at Marks and Spencers
A sophisticated 3/4 sleeve cardigan in a chunky knitted fabric featuring a stripe design and floral corsage

Chenille Throw - Hot Pink, at Marks n Spencer
Woven design Tasselled trim L200 x W150cm, Manufacturer: Marks & Spencer

Autograph Pure Cotton Tank Top & T-Shirt Outfit, at Marks & 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

Electronic Salt & Pepper Mill Set, at Marks and Spencers
H21 x Diameter 4.5 cm Stainless steel effect, Manufacturer: Marks & Spencer

Per Una Roma Cotton Rich Bootleg Jeans with Belt, at Marks and Spencer
A fashionable pair of bootleg jeans in stretch cotton featuring an antique finish buckle belt

Big & Tall Pure Linen Single Breasted Jacket, at Marks and Spenser
Specially proportioned for big and tall men, this 2 button jacket is designed to give a flattering, comfortable fit

10 Denier Matt Ladder Resist Sheer Hold-Ups, at Marks & Spencer
Our new innovation in fabric technology incorporates stretch into every single stitch to create an even, lightweight design and comfortable fit that's ladder resistant and simply a dream to wear

2 Pairs of Younger Girls' Cotton Rich Stripe & Heart Socks, at Marks and Spenser
Cute and comfy, these soft cotton rich socks feature stripe and heart design

Portfolio Assorted Bead Stretch Bracelet, at Marks and Spencer
Stretch style Assorted bead design

Bathroom Collection Hanging Shower Caddy, at Mark & Spensers
Comes with 3 shelves Soap tray H50 x W25 x D9cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Frill T-Bar Shoes, at Marks and Spencers
Round toe Buckle fastening T-bar design Frill detail Mid heel Heel height: 7.5cm Comes in sizes 3-8, including half sizes Made with Insolia technology, an exclusive innovation that makes high heels more comfortable to wear and better for your body's alignment and balance. They work by taking the weight off your toes, so there's less pressure and more stability. Your legs, back and feet stay more comfy all day

Limited Collection Border Studded Leggings, at Marks & Spenser
Part of Limited Collection's LA Love trend. Feminine, soft and laid back, this is a fashionable LA look with a boho vibe. Beautiful fabrics and playful prints are key

Die Cut Heart Wife Anniversary Card, at Marks & Spenser
Cover text: To my lovely Wife, Who I dearly adore; The love of my life Forever more. Happy Anniversary Inside message: Blank for your own message Approx size: 220 x 220mm

Champagne Flutes Congratulations Card, at Marks & Spenser
Cover text: Congratulations 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 Approx size: 175 x 127mm

Cotton Rich Velour Stripe Hooded Top, at Marks and Spencer
Soft fabrics, fashionable designs and cute finishing touches make our babywear range outstanding. This high quality, great value hooded top is designed to keep baby looking adorable and feeling comfy and happy

Collezione Exclusive Pure Wool Single Pleat Twill Trousers, at Mark's & Spencer
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 these trousers to give you a feeling of luxury like no other

Blue Harbour Short Sleeve Check Shirt, at Marks and Spencers
Stylishly smart casual, this comfortable check shirt looks great dressed up or down

Winchester Collection - Floor Lamp, at M&S
Conical shade Ridged top Round base 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 , Manufacturer: Marks & Spencer

Per Una Knee Length Pleat Detail Skirt, at Mark's & Spencer
A fashionable knee length skirt in pure soft cupro fabric. The bow tie detail gives it the Per Una touch

Hard-Top Non-Storage Divan & M100 Mattress, at Marks & Spencers
Single (3ft): W90 x L190 Double (4ft 6): W135 x L190 King Size (5ft): W150 x L200 Super king size (6ft): W180 x L200 Mattress depth: 21.5cm Divan height: 41cm 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

First Readers The Princess and the Pea, at Marks and Spencer
How do you tell a real princess from a fake princess? Find out what the queen does to reveal the truth in this classic fairy tale

Exotica Print Hipster Bikini Briefs, at Marks&Spencer
Sophisticated and elegant, these fashionable bikini briefs features a striking exotic print. A fabulous fashionable look

Cotton Rich Velour Funnel Neck Jacket, at Mark's & Spencer
Treat yourself to plush comfort with this super soft velour jacket. Perfect for relaxing or exercising in style

40 Denier Bodysensor™ Medium Support Opaque Tights, at Marks & Spencer
These medium support tights are clinically proven to improve circulation and reduce ankle swelling. They'll keep your legs feeling healthier and energised

Autograph Stem Hurricane Lamp, at Mark & Spensers
Circular shape Glass holder Hand made Sand included Comes with candle H40 x Diam: 15.5cm Burning time: Approx: 65 hours, Manufacturer: Marks & Spencer

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

• M&S Insurance: M&S Motor Insurance, M&S Home 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 Mark's & Spencer, it's easy to see that these are good financial products, at value-for-money prices.

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