There are lots of ways to save money using M+S Money. Not least of these is M&S 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 Marks&Spencer, 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.

Besides MarksandSpencer Car Insurance, M+S Money Credit Cards and other financial products, M+S Money Buildings & Contents 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 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 Mark & Spensers purchases are also protected while you take them home.

Also, on both M+S Money Premier Buildings & Contents Insurance and Standard Buildings & Contents 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 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 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 & Spencer 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 M+S Money UK and European Breakdown Cover, since it covers you as a passenger too.

Classic Collection Seersucker Stripe Straight Leg Trousers, at Marks & Spensers
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

Hammered Square Detail Sunglasses, at Marks and Spencer
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Girls' Fashion Schoolwear - Stain Defence™ Embroidered Pinafore, at Marks and Spencers
This pleated pinny features a long zip that makes it easier for her to dress and she'll love the embroidered pocket and heart shaped zip pull. It's treated with Stain Defence™, a high performance finish which repels stains

Little Acorn Medium Gingham Gift Bag, at Mark & Spencers
Drawstring gingham Gingham and circle design Little nursery characters Cute bear character tag H260mm x W200mm x D90mm

Per Una 2 Piece Embroidered Floral Lace Top, at Marks & Spencer
A fashionable lace top in a soft cotton blend. The embroidered floral design gives it the Per Una touch

Pink and Sage Floral Duo Multipack of Cards, at Marks & Spensers
Cover text: Blank Inside message: blank for your own message Pack contains: 8 cards, 2 designs Approx size: 138 x 138mm

LED Light Collection Floating Waterlily with Dragonfly, at Marks and Spencer
Decoarative outdoor lighting For indoor or outdoor use Colour changing Floating feature for table top water display 14 x 14 x 11 cm, Manufacturer: Marks & Spencer

Toy Story 2 Sticker Activity Book, at Marks & Spensers
Includes storys Various activities Mulitple stickers Disney, Manufacturer: Marks & Spencer

Per Una Outline Leaf Bikini Briefs, at Marks and Spencers
Glamorous and sophisticated, these gorgeous briefs are fashionably detailed with a floral design. A sleek, shapely look

The Dark Knight DVD, at Marks & Spencer
Release Date: 2008-12-08, Rating Suitable for 15 years and over,

3 Piece Cotton Rich Floral Outfit, at Marks and Spencer
Fashionable and practical, this cute 3 piece outfit features embroidered detail. It's made from soft cotton fabric to keep her comfortable and happy

Older Girls' Riptape Glitter Shoes, at Mark's & Spencer
Round toe Single riptape fastening Glitter design Flat sole Lined Comes in sizes 1-6

Adored Comfort Orchid Embroidered Highleg Knickers, at Marks and Spencer
Elegant and pretty, these embroidered briefs are made from the softest fabric and trims, so they feel blissfully comfortable to wear. The high leg style makes legs look longer, giving a flattering shapely fit. Feminine everyday lingerie

LED Light Collection Dragonfly, at Marks and Spencer
Ideal use for garden lighting Dragonfly design Batteries supplied H4 x W14cm This product is not available for international delivery. Find out more

Handcrafted Calendar Valentine Card, at Marks & Spencers
Cover text: I've pencilled you in... Inside message: ...for the 14th? This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: Unfolded: 150 x 150mm

Autograph Wool Blend Wide Leg Trousers with Cashmere, at MarksandSpencer
Fluid and feminine, these wide leg trousers are cut to flatter, giving an elegant silhouette. A stylish, fashionable look

2 Pairs of Cotton Blend Knee High Socks, at Marks & Spencers
These cotton blend 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

Autograph Swirl Humbug Bottle Vase, at M&S
Narrow neck Swirl stripe design Narrow base, Manufacturer: Marks & Spencer

Fun Holographic Characters Wedding Card, at M & S
Cover text: On Your Wedding Day Inside message: Congratulations! Approx size: 230 x 114mm

Hepworth 7-Drawer Tall Chest, at Marks & Spencers
H111 x W50 x D54cm With 7 drawers 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 Side and back panels are veneered Top panel is veneered with solid birch edging for strength Drawer boxes made from solid European Birch. Drawers made from veneers Solid European Birch legs 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

Gold Plated Long Treasure Bead Necklace, at Marks & Spencers
Clasp fastening Adjustable length Long length Fine chain Shell detail Assorted beads Necklace length: 108cm

Chevron Dart Knee Length Pencil Skirt, at Marks & Spencers
Sleek and chic, this pencil skirt is tailored to fit and flatter. A stylish choice for work or smart occasions and it's machine washable for added convenience

Small Fish, at Marks & Spencer
Hand casted aluminum fish design Place it in your garden H6.75 x W7.75 x D3, Manufacturer: Marks & Spencer

Per Una Pure Cotton 4 Button Corduroy Jacket with Scarf, at Marks and Spencers
A fashionable single breasted corduroy jacket in pure soft cotton. Block stripe jersey scarf makes it extra stylish

Blue Harbour Pure Cotton Single Breasted Jacket, at Marks and Spencer
A smartly tailored single breasted jacket in pure cotton

Lichfield Glass Top Side Table, at Marks and Spencer
H59 x W50 x D43cm Sturdy wooden undershelf Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Shelves made from White Oak veneer Side panels are veneered Top panel is veneered with solid oak 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. SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Lichfield Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph 3 Piece Pure Cotton Corsage Cardigan Outfit, at Mark's & Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Stick On Bra, at Marks & Spenser
Thanks to these moulded cups, you can get discreet support - great for wearing with strapless or backless dresses and tops

Autograph Firm Control Lace High Waist Knickers, at Marks n Spencer
Look slimmer in seconds! These firm control knickers gently flatten tummies for a sleeker, slimmer silhouette

3 Pairs of Plain Cotton Rich Socks, at Marks & Spencers
These classic cotton rich socks are soft, breathable and comfortable. Added stretch gives a great fit

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

• M&S Insurance: M&S Car Insurance, M&S Buildings & Contents 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 in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M+S Money website.