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

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks & Spensers, 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 & Spencers 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 Mark's & Spencer 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 Marks and Spencer, through its M&S Money Direct website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Buildings & Contents Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings & Contents Insurance or Car Insurance, but M & S do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M&S Money Direct website. With a simple, no-hassle service, you can compare features between a number of M&S Financial Services products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Money Direct loans, credit cards or Buildings & Contents Insurance - besides a number of other insurance products, M&S Money Direct can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Money Direct insurance products (Buildings & Contents Insurance, Car Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Marks & Spencer insurance products in document format too.

Soft Vanilla Pot Pourri Bag, at Mark's & Spencer
Vanilla scented assortment, Manufacturer: Marks & Spencer

Notched Leather Coated Belt, at Marks & Spensers
Add a smart finishing touch with this leather belt

Per Una 3/4 Sleeve Ruffle Neck Top, at Marks and Spencers
A casual 3/4 sleeve top featuring a floral print and ruffle front

Pure Cotton Woven Check Design Shirt, at Mark & Spencers
For casual elegance, you can't beat this woven nehru neck shirt. A great value cotton essential

Adjustable Task Floor Lamp, at Marks and Spencer
Antique-effect brass finish Height adjustable between 147cm and 178cm H167 x Diam 37cm Frosted glass shade Bulb: E27 60W GLS This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Lavender & Camomile Scented Pillow, at Marks and Spenser
Lavender & camomile scented, Manufacturer: Marks & Spencer

Autograph Pure Cashmere Crew Neck Jumper, at Marks & Spencers
This luxurious jumper is made from pure cashmere for ultimate softness and comfort. Innovative construction means it can be machine washed. Part of our exclusive Autograph collection

Footglove™ Knee High Leather Boots, at Marks & Spencers
Round toe Mid heel Pull on straps Leather uppers

Autograph Anodised Aluminium Frying Pan, at Marks & Spensers
Charcoal-coloured aluminium design Non-stick interior for low-fat cooking and easy cleaning Excellent heat distribution with no hot spots Riveted handle for durability Handwash only Oven safe to 180C/350F/gas mark 4 Suitable for all cooker types except induction Diam: 24cm, Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Frill Front Top, at Marks & Spencers
Bring some casual elegance to your wardrobe with this short sleeve top, that features frilled neckline with lace giving it an extra stylish twist

Little Acorns Christening Invites - Pack of Ten, at Marks and Spencer
Cover text: Christening Inside message: Would like to invite.....to the christening of.....on.....at.....time.....RSVP..... 10 cards, 1 design Approx size: 120 x 120 mm

Pure Cotton Embroidered Animal Sleepbag, at Marks & Spencer
Cosy and comforting, sleepbags make a great way to stop babies getting tangled up in covers. This padded cotton rich embroidered sleepbag will keep him at a comfy temperature throughout the night

Champagne Oudinot Medium Dry - Case of 6, at Mark & Spencers
Style: Medium dry Grape variety: Mixed Country of origin: France Closure: Natural cork 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

Globe Collection - Mini Table Lamp, at Marks & Spencer
Fabric cylinder shade Glass globe base H37cm x Diam 25cm Bulb: 240V~ SES 60W GLS or 11W CFL, Manufacturer: Marks & Spencer

Mother of Pearl Border Mirror, at Marks&Spencer
Round design Mother of pearl border H59.6 x W59.6 x D2cm, Manufacturer: Marks & Spencer

Per Una 3/4 Sleeve Sailor Stripe Shirt, at Marks and Spencers
A fabulous 3/4 sleeve shirt in pure soft cotton featuring a ruffle front and stripe design

Nostalgic Photo Our Anniversary Card, at Marks and Spencers
Cover text: Happy anniversary since always, till forever... Inside message: With lots of love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx Size: 175 x 125mm

Etched Heart Pendant Necklace, at Marks & Spensers
Clasp fastening Etched heart pendant Fine chain Necklace length: 41cm, extendable by 8cm Comes in presentation box

Sonoma 2-Door Glazed Top Unit with Lights, at Marks & Spencer
H110 x W123 x D33cm 2 doors 2 adjustable glass shelves Shelves are made from safety-tested toughened glass Made from solid oak and oak veneer Sits on top of sideboard This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Side and back made from White Oak veneer 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Collezione Wool Rich Single Breasted Coat with Cashmere, at Marks and Spencer
Elegantly stylish and meticulously finished, this mid length coat is inspired by sophisticated Italian fashions

Autograph Flat Front Grey Single Pleat Trousers, at Mark's & Spencer
Fashionable and contemporary, these flat front stripe trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Cotton Rich Leaf Damask Cushion, at M&S
Leaf jacquard design L43 x W43, Manufacturer: Marks & Spencer

Classic Collection Cotton Rich Drawstring Joggers, at Marks n Spencer
Relaxed and comfortable, these casual joggers are made from soft stretch cotton. The drawstring waist gives the perfect fit

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

Underwired Push-Up Multiway Bra, at Marks and Spenser
This versatile bra can be worn 5 ways: conventionally, halterneck, cross back, strapless and one shoulder. Designed for a comfortable flattering fit, secure support and great flexibility

Pirramimma Old Bush Vine Grenache 2004 - Case of 6, at Marks & Spencer
Style: Dry Grape variety: Grenache (Garnacha) Country of origin: Australia Closure: Screw cap Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Nail Strengthening Treatment, at Marks & Spenser
Hardens and protects nails to limit breaking and splitting Gives nails a natural gloss Provides protection to your manicure 11ml

Spot Net Tights, at MarksandSpencer
Treat your legs to a touch of style. These spot print tights have a durable reinforced design to keep them looking good, wear after wear

Sonoma Extending Dining Table & 6 Alton Damask Chairs Set, at Marks & Spencers
7 piece set Table: H75 x L180 x W100cm Extends to L230cm Seats 6-8 people, comes with extension leaf to seat 8 Chair: H99 x W46 x D56cm Made from solid ash and fabric seat Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen 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 manufacturer's instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Classic Baby Charlotte New Potato Salad, at Marks and Spencer
Serves 8 Ready to eat Suitable for vegetarians 700g As featured on page 26 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

M&S Money Direct 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 Direct 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 & Spencers 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 Tescos 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 Direct UK and European Breakdown Cover, since it covers you as a passenger too.