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

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks and 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 Motor Insurance from M+S Money, you get more, and you pay less.

Shopping for financial products at M&S Finance 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 Finance website:

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

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

M&S Finance offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor 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 Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Finance Motor Insurance is not like that at all, and when you compare M&S Motor 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 and Spencer 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor 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 Motor 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 Finance UK and European Breakdown Cover, since it covers you as a passenger too.

Double Sheepskin Rug, at MarksandSpencer
Thick pile Double sheepskin shape, Manufacturer: Marks & Spencer

Collezione Apron Lace Up Shoes, at M & S
Square toe Lace up Apron stitch detail Eyelets Block heel

3 Pairs of Cotton Blend Plain Socks with Linen, at Marks&Spencer
Soft and comfortable, these cotton blend socks are naturally breathable and absorbent, keeping feet dry and comfy. A reinforced heel and toe gives extra durability

Knotted Slouch Bag, at Marks and Spencer
A casual vintage style pleated bag. Add a fabulously fashionable finish to your look!

North Coast Pure Cotton Botton Down Shirt, at Marks and Spencers
Stylishly smart casual, this button down shirt is made from pure cotton so it feels soft and comfortable to wear

Autograph Guipure Padded Plunge Bra, at Marks & Spencer
Glamorous and sophisticated, this guipure mesh bra looks and feels luxurious. It's underwired for extra support and the plunge style gives a flattering enhanced cleavage. Beautiful exclusive lingerie

Older Girls' Heart Bead Cluster Necklace, at Marks & Spensers
Adjustable length Clasp fastening Cluster pendants Length: 46cm Extender: 5cm

Autograph Pure Cashmere Knitted Scarf, at Mark & Spensers
Indulge in a touch of luxury with this pure cashmere knitted scarf. It looks and feels gorgeous and comes in a range of beautiful colours so you'll be able to accessorise every outfit

Pure Cotton Denim Skirt, at M+S
Cute and comfy, this frill hem skirt is made from pure cotton denim for a fashionable casual look

Limited Collection Floral Brazilian Knickers, at Marks & Spencers
Fabulous and fun, these comfortable Brazilians are part of our Limited Collection lingerie. They're made from a soft stretchy fabric, and the scooped front and back give a shapely modern fit. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

2 Older Boys' Cotton Rich Drawstring Pyjama Bottoms, at Marks n Spencer
Fun and fashionable, these pack of 2 cotton rich pyjama bottoms can be mixed and matched with different tops to suit his individual style

Compact Plain Umbrella, at Marks and Spenser
Smart and easy to carry, the practical design of this handy umbrella is the perfect solution for dealing with sudden downpours

Stormwear™ Padded Coat with Reflective Trim, at Marks and Spencer
Fashionable and practical, this warmly padded jacket is lined with fleece and treated with our unique Stormwear™ technology which repels water and stains. It features inside pockets and a reflective trim. Storm cuffs help keep arms warm and hold on gloves

Square Check Flat Cap, at Marks & Spenser
A traditional British classic, this is a versatile style that looks great worn smart or casual

No VPL Low Rise Shorts, at Marks and Spencer
These No VPL low rise shorts are laser cut to give a smooth, seam-free outline and stretch in all directions for the ultimate in comfort

Collezione Silk Blend Single Breasted Jacket, at Marks & Spencers
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Simple Ceramic Curved Vase, at Marks and Spenser
H25.5 x Diam 10.5cm Broad base Tulip styled spout Plain, Manufacturer: Marks & Spencer

2 Pairs of Wool Blend Long Argyle Socks, at Marks and Spencers
A wool blend makes these socks soft, breathable and absorbent to keep feet warm, dry and comfy

Classic Collection Linen Blend Floral Print Panelled Skirt, at Marks and Spencers
Smart and stylish, this panelled skirt in softly draping fabric is designed to fit and flare for a figure-flattering look. Floral print adds a fashionable touch

Per Una 3/4 Sleeve Knitted Top with Scarf, at Marks & Spensers
A relaxed 3/4 sleeve knitted top featuring a thin frill neckline detail and matching scarf

Ruby Side Plate - Red, at M & S
Plain centre Stripe edge Diam 21.5cm, Manufacturer: Marks & Spencer

5 Lace High Leg Knickers, at Marks&Spencer
Add a ladylike finish to practical comfort with the beautiful lace adorning these cotton rich briefs. A high leg cut and added stretch creates a fit that's truly flattering

Single Sprung-Edge Divan with 2 Large + 2 Small Drawers & M300 Mattress, at Marks and Spencers
Double mattress (4ft 6in): W135 x L190 cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 24cm Divan height: 41cm Large Drawer: 14 x 78 x 52cm Small Drawer: 14 x 40 x 52cm Mattress filling made from resilient foam and polyester fibre Mattress has reinforced side stitching giving greater edge support Individually pocketed springs Pocket sprung mattresses give a flexible feel Mattress spring count: 896 Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK 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

Long Length Wavy Embellished Skirt, at Mark's & Spencer
Long and lovely, this panelled skirt features embellishment detail. Stylish, practical and fashionable

Sony Bravia 46" KDL-46Z4500 HD Ready LCD TV, at Marks & Spencer
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 46 inch LCD, 10 bit panel, 6.2 Mega Pixels, Picture Mode: 14:9 Mode, 4:3 Mode, Screen Aspect Ratio: 16:9 Contrast ratios: Dynamic contrast 80000:1 Integrated Digital and Cable Tuners: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) and is cable TV ready (with supported operators only Dimensions: W114 x H79 x D30.7cm (including table top stand) Weight: 34.5kg (including table top stand) Surround Sound Effect: Experience the effect of digital surround sound from only two front speakers with our advanced S-Force Front Surround technology Connectors: Digital audio output (optical), 3 x HDMI™ Inputs, PC Input (15pin D-Sub) + Audio In, 1 x Component Inputs, Composite Video In, 4 Pin (Y/C) In (S Video), USB 2.0 Input, MiniJack (Head/Earphone), PCMCIA Card Slot, RCA Audio Out, 3 x RCA AV Input, RF In, 2 x Scart Inputs (RGB), BRAVIA Sync, DLNA Ethernet (Music/Photo), Digital Media Port BRAVIA Engine 2: Experience incredibly clear and defined images with BRAVIA ENGINE 2 picture enhancement technology and Advanced Contrast Enhancer Live Colour Creation with x.v.Colour: Uses a larger colour palette to produce vibrant colour the way nature intended it to be seen Motionflow 200Hz: Adds 3 new frames to every fast moving scene, creating sharp, smooth images. Motionflow works by multiplying the number of frames you see on screen. New ones are inserted into fast-moving sequences, like the flight of a ball, to smooth out the motion. Motionflow predicts motion in all directions and cleverly creates brand new pictures based on this information 24p True Cinema: Shows images at 24 frames per second just like a real cinema screen Xcross Media Bar: No more confusing menu screens thanks to our easy-to-navigate XrossMediaBar™ to browse all your TV functions Picture Frame Mode: When you are not watching TV, turn it into a digital picture frame with Picture Frame Mode. Fill the black hole in your living room by using your TV to display your own pictures or the 6 pre-installed images BRAVIA Theatre Sync: Control your entire home cinema set-up with just one click on the TV remote and access the menus on compatible peripheral devices such as Handycam camcorders thanks to BRAVIA Sync 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount T042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Petite Single Breasted 1 Button Jacket, at Marks & Spencers
Chic and stylish, this single breasted jacket is tailored to fit and flatter. A great choice for work or smart occasions and it's machine washable for added convenience. Specially designed and perfectly proportioned for the petite frame

5 Pairs of Older Girls' Assorted Socks, at Marks and Spenser
Stock up on stylish essentials with this pack of 5 pairs of assorted design socks.

WALL-E DVD, at Marks and Spenser
Rating Universal, suitable for all,

Autograph Positano Dining Table, at Mark & Spensers
All-weather synthetic rattan Aluminium frame Glass top H76.5 x Diam 130cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Radial Brush, at M&S
This wooden radial hairbrush is filled with the rounded pins protect your scalp and make it ideal for styling and smoothing your hair

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