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

When you're shopping at Marks and Spencers online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from Marks & Spencers Money. Offering everything from savings accounts and credit cards, to Home Insurance and Car Insurance, there's a lot more going on at M&S than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from Marks & Spencers Money. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from Marks & Spencers Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the Marks & Spencers Money website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."

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

Younger Boys' Pure Cotton Assorted Slips, at Marks and Spencers
An outstanding value 5 pack of Slips in natural breathable cotton

Wool Blend Straight Leg Flat Front Trousers, at Marks and Spencers
Smart and stylish, these trousers are made from a hardwearing wool blend with stretch. An ideal choice for work or everyday wear

2 Older Girls' Heart Trim Crop Tops, at MarksandSpencer
Cute and comfortable, these comfy crop tops make a great way of getting girls used to the idea of wearing bras

Woodspice Moisturising Aftershave, at Marks and Spenser
Moisturising Alcohol free 100 ml

Pink Fabric Flowers Birthday Card, at Marks and Spencers
Cover text: Happy birthday Inside message: Wishing you a wonderful day Approx. size: 174 x 126mm

Pure Cotton 3/4 Sleeve Stripe Top, at Marks & Spensers
Smart and stylish, this long sleeve top is made from cool comfortable cotton and features a stripe design

Apple iPod® Nano Lanyard Headphones, at Marks & Spenser
Bud style earphones Only compatible with 2nd and 3rd generation iPod Nano Plug the lanyard into the dock connector, put it around your neck and you're off 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

Autograph Pure Cotton Oxford Pinpoint Shirt, at M & S
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

2 Piece Pure Cotton Tie Waist Joggers, at Marks & Spencers
These cute joggers are outstanding value. Hardwearing, practical and comfortable

Royal Horticultural Society Mauve Watercolour Flowers Blank Card, at Marks & Spensers
Cover text: Just a note... Inside message: Blank for your own message Approx. size: 150 x 150mm About the RHS: The RHS is dedicated to advancing horticulture and helping all gardeners. An interest in gardening is all you need to enjoy being a member of the RHS. For more information call 0845 130 464, or visit www.rhs.org.uk

75cm Shoelaces, at Marks and Spencer
Hardwearing shoelaces, 75cm length for up to 5 eyelets

Cotton Rich Velour Hooded Top, at M&S
Soft and comfy, this pretty hooded top makes a practical and fashionable choice.

Château Barde Haut 2002 - Case of 6, at Marks & Spensers
Style: Full Bodied Grape variety: Merlot, Cabernet Sauvignon Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Per Una Pure Linen Safari Shorts, at Mark's & Spencer
Comes with belt shown in image Casual metallic shorts in pure cool linen featuring a turn up hem with side tab detail

Limited Collection Buckled Wellie Boots, at Mark & Spencers
Round toe Buckle fastening Knee high Low heel with cut out detail Heel height: 23mm Comes in sizes 3-8

Single Breasted 2 Button Jacket, at Marks and Spencers
A style classic at a great value price, updated with a modern cut and contemporary detailing

Portfolio Leather Belt, at Marks&Spencer
Define your waistline with this fashionable leather belt

Portfolio Ponte Kickflare Trousers, at Marks & Spensers
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.

Per Una Allegra Heart Charm Drop Earrings, at Marks and Spencer
Drop style Hook fastening Heart charm For hygiene reasons, refunds will only be given in accordance with your legal rights

Angel Contrast Strap Cutie Motif First Bra, at Marks & Spenser
This pretty contrast strap bra is designed for a supportive and comfortable fit. The non-wired design is the best choice for first bras

Younger Girls' Retro Sunglasses, at Marks and Spenser
Cute and colourful, these retro sunglasses give 100% UV protection for safer style in the sun

The Best of British Food Bible, at Marks & Spencer
If you cherish and celebrate real food, this book will give you the inspiration and the know-how to cook the Best of British food that tastes as good as it did in your childhood!

5 Younger Girls' Pure Cotton Lace Trim Briefs, at Marks and Spencer
Fun and fabulous, this pack of 5 cotton briefs makes a great way to stock up on essential style

De Saint Gall Champagne Premier Cru Brut - Case of 6, at Marks & Spencers
Style: Dry Grape variety: Pinot Noir & Chardonnay 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

Collezione 2 Button Suedette Jacket, at MarksandSpencer
A suedette finish adds a luxuriously soft sheen to this smart casual jacket. Inspired by the natural understated elegance of Italian style, the single breasted design offers a slim and contemporary silhouette

DD-G Floral Embroidered Non-Padded Bra, at Marks & Spencer
Flattering and comfortable, this embroidered bra is specially designed for fuller busts. The full cup style gives gentle support and a flattering enhanced cleavage

Handcrafted Westies Valentine Card, at Marks n Spencer
Cover Text: I Love You... Inside mesage: Be my Valentine This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

WowWee™ Femisapien™ Robot, at Marks and Spencers
RS Femisapien has 3 main function modes, each corresponding to a different head position. Tilt her head in the desired direction and her function mode will change! In Attentive Mode, RS Femisapien interacts directly with you. She will slow pose, be your back-up singer, introduce herself, dance with you, and even blow kisses In Learning Mode, teach RS Femisapien a sequence of movements that she can perform for you, up to 80 steps long! RS Femisapien is also pre-programmed with a number of precise functions and sounds that can be used as part of her program routine, including striking poses, holding and presenting thin objects such as business cards (not included) and blowing kisses! Responsive Mode is RS Femisapien's main walking mode; she can interact with your sounds or perform comedy routines. She will also detect objects at neck level, and stop when something is in her path. And, she can even respond to your hand gestures as you wave in front of her! RS Femisapien features responsive 4-way joystick hands. Each hand can be moved forward, backward, inward or outward to initiate various actions. Depending on Femisapien's head tilt, each hand position combination differs Acts as your own personal back-up singer with her "Shoop" feature. Sing aloud or play music, and when in range (within 3 feet /1 m) of any sound source, she will move her hips and arms to the music and sing a back-up tune Comes loaded with 36 functions and 20 interactive routines, so you will constantly be entertained. There are also 59 "hidden" functions to explore! RS Femisapien can communicate with, and even control, other WowWee robots, including the original Robosapien™! RS Femisapien will converse with you; speak clearly within approximately 3 feet (1 m) of her, and she will "chat" with you! Features a Standby Mode to conserve battery power RS Femisapien has four adjustable volume settings 5 x motors 4 x position switches in each joystick hand access up to 56 functions 1 x IR receiver 2 x IR transmitters 1 x microphone to detect words, music and sharp noises 1 x speaker with nearly 90 seconds of sound 2 x tilt sensors for forwards and backwards fall detection Ages: 8+ Dimensions: L10.2 x H38.1 x W20.3 cm Weight: 0.7 KG Batteries: 6 x AA alkaline not included 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

Stainless Steel Turkey Baster, at Mark's & Spencer
Collar and bulb design Includes brush, Manufacturer: Marks & Spencer

Blue Harbour Pure Cotton Polo Shirt, at M & S
Stylishly smart and casual, this polo shirt is made from pure cotton, so it's soft, breathable and comfortable to wear.

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 n 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, 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 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.