There are lots of ways to save money using M&S Financial Services. Not least of these is Marks n Spencer Standard Car Insurance. With M&S Financial Services 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 Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks n 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 Marks & Spencer Money, you get more, and you pay less.

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

Also, on both M&S Financial Services 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.

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

Print Your Own Wedding Stationery CD-ROM, at Marks and Spenser
Minimum system requirements: Processor: 200Mhz Intel Pentium processor or equivalent, Memory: 128MB RAM, Graphics: 800x600 set to 16 bit colour, Operating System: Windows 98, ME, 2000, XP and Vista This software is PC compatible only Contains 1 CD Rom Print Your Own Wedding Stationery CD-ROM - FREE when you spend 10 or more on Print Your Own Stationery

Tonal Floral Shorts, at Marks and Spencer
These pretty floral print shorts are shapely and modern. Added stretch gives a comfortable, figure-flattering fit

Nail Care French Manicure Set, at Marks&Spencer
11ml bright white tip 11ml french pink 11ml top shine Easy to use glide-on white tip

Dinosaur Toy, at MarksandSpencer
4 different dinosaurs available: Stegosaurus, Brontosaurus, Tyrannosaurus Rex, Triceratops Please note you will only recieve one dinosaur at random This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Digital Food Preparation Scales, at Marks & Spencer
Modern design Electric powered Free standing Digital, Manufacturer: Marks & Spencer

Sweet Bergamot Lantern Candle, at Mark & Spencers
Sweet bergamot fragrance Includes wooden plate Burns up to 4 hours, Manufacturer: Marks & Spencer

Open Coil Sprung Nursery Mattress, at Marks & Spencer
L140 x W70 x D15cm Spring count: 90 Open coil sprung for extra support Cot bed not included Hygienic, moisture-resistant covering Suitable for the feet-to-foot sleeping position recommended by health professionals Fully conformed to current safety standards Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

My First Large Sunny Town Puzzle, at Marks and Spencer
On the road to sunny town, there's loads of things to see. As we complete the puzzle, what can you show me?

Per Una Multi Bead Necklace, at Marks & Spencer
Button lock fastening Multi bead design Necklace length 63cm

Per Una Wide Leg Centre Crease Trousers, at Mark & Spensers
A smart pair of wide leg trousers in stretch cotton featuring a centre crease

40 Denier Opaque Tights, at Marks & Spencers
These comfortable 40 denier opaque tights are made with added stretch and a reinforced toe for durability

3 Authentic Woven Pure Cotton Assorted Boxers, at Marks and Spencer
Made from soft breathable cotton, these comfy boxers are ideal for everyday wear

Floral Short Sleeve Frill Blouse, at Marks & Spenser
A fabulous round open neck blouse featuring a ruffle front and floral detail. The tie belt make it extra stylish

Pop-up Stadium Son Birthday Card, at Marks and Spencers
Cover Text: Son, Happy Birthday Inside Message: to from Approx size: Flat: 150 x 215mm

Cotton Rich Check Pyjama Bottoms, at Marks & Spencers
Fashionable and modern, these soft cotton rich check pyjamas are designed to be mixed and matched. Relax in style and comfort

Limited Collection Cotton Rich Spot Print Bikini Knickers, at M&S
Fabulous and modern, these comfortable bikinis are part of our Limited Collection lingerie. They're made from soft stretch cotton, and the low rise style is perfect for wearing with hipsters. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Cashmilon™ Crew Neck Knitted Jumper, at Marks & Spencers
Fashionable and flattering, this knitted jumper is made from supersoft cashmilon™ and features a crew neck

Per Una Leather Skinny Plaited Belt, at Marks and Spencer
A plaited detail and patent finish make this fashionable belt even more special. Add a stylish finishing touch from Per Una

Cotton Rich Mock Layer Jumper, at Marks and Spencers
Fashionable and flattering, this mock layer jumper is made with comfortable breathable cotton. A smart modern look

Signature Green Fig Room Spray, at M&S
15ml Green fig fragrance Clear glass with attractive labelled design This product is not available for international delivery. Find out more

T394802, at M+S
Manufacturer: Marks & Spencer

Summer Spectacular, at Marks & Spencer
This contemporary galvanised bucket is brimming with exquisite roses, fragrant lavender sprigs and rich green salal Available for delivery until 30th September 2009

Limited Collection Slouch Leather Bag, at Marks n Spencer
Fashionable and fabulous, this gathered design handbag is designed in one of this season's key shapes. It's strong and practical as well as a trend-conscious accessory. Get the latest look!

2 Pure Cotton Assorted Leggings, at M+S
Cute and comfy, these practical leggings are made from soft cotton and feature assorted designs. A great value pack

Sleeveless Linear Dress, at Marks and Spencer
Chic and stylish, this sleeveless linear dress makes a great choice for work or smart occasions. It's machine washable for added convenience

Padded Multiway Bra, at Mark & Spensers
Everyone's skin tone is different, so after some research into skin tones we've come up with Body Nudes, a range of flattering shades to suit everyone. Body Nudes is soft and comfy with no visible lumps or bumps, so you can be sure your clothes will look their best

Griffin Road Trip with Smart Scan, at Mark's & Spencer
Play music from your iPhone or iPod on your cars stereo system Charges your iPhone or iPod as you listen Switch quickly between presets Griffin-exclusive SmartSound Plus technology delivers clearest possible sound under real-world conditions Flexible steel neck and interchangeable iPod model-specific cradles position your iPod perfectly within reach, never in the way The look and functionality of a custom installation in your car without the cost or inconvenience Antenna:Built-in Power:Provided by your cigarette lighter or 12 volt power outlet (no batteries required) RF Output Range, US: 88.1 MHz -107.9 MHz Radio Frequncy Increments, US: 0.2 MHz per step Input Voltage Range: 12 - 16 volts DC Maximum Current: 2 amps Output Voltage: 5 volts DC at 1 amp Fuse Type 2 amp blade-type automotive fuse

Autograph Puccini 5 Piece Set, at Marks & Spencer
Set includes 2 armchairs, sofa, coffee and side table 2-seater sofa: H66 x W166 x D80cm Armchairs: H66 x W80 x D80cm Coffee table: H46.5 x L74 x W64cm Side table: H46.5 x W38 x D38cm All-weather synthetic rattan Aluminium frame Plain cushions in 100% polyester Dining table has powder-coated steel frame and toughened safety glass top Suitable for indoor and all-weather outdoor use This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

3 °Climate Control Cotton Rich Plain Trunks, at Mark's & Spencer
Climate control keeps you cool when you're hot and warms you up when you're cold so you're always at your optimum temperature. Exclusive to M&S, Climate control clothing is comfortable and breathable - ideal for sportswear. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Dualit Vario 2-Slice Toaster - Black, at Marks and Spencers
2-slice toaster Manually operated eject lever - keeps items warm until needed and selector switch - use only the slots required 1200 watt Replaceable/repairable parts and easy cleaning with a stainless steel cover Frozen bread and re-heat controls High lift mechanism to remove small items easily Extra wide 28mm slots to accommodate larger items and the optional sandwich cage Adjustable inner wire guard to grip toast Patented, award-winning ProHeat elements Hand built in England - as identified by the individual assembler's mark on the base plate Concealed crumb tray Weight: 3.5kg Dimensions: H22 x W31 x D21cm 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

M&S Financial Services Insurance: There are, quite literally, hundreds of companies in the UK from whom you can purchase insurance. Whether you're looking for the best deal on Car Insurance, buildings and contents insurance, or even wedding insurance, it doesn't take long to find a company that will sell you a policy.

However, not all insurance companies, and certainly not all insurance policies, are the same. What may be standard on one insurance policy may be an optional extra on another, for instance; Car Insurance and Buildings & Contents Insurance are especially like this.

For example, most home and contents insurance policies either ask you to provide the total cost of rebuilding your home plus the total value of your home contents, or they will set an upper limit. This may seem fine at the time, but, in the event of a claim on your Buildings & Contents Insurance policy, the values act as maximum limits, and so you may, in effect, be under-insured and not receive the full value of your insurance claim.

Fortunately, M&S Financial Services Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.