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

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

Shopping for financial products at Marks & Spencer Money UK website is just as simple as shopping for fashion or furniture at the Marks n Spencer online store. Here are just some of the financial products which can be purchased via the Marks & Spencer Money 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 Marks and Spenser, it's easy to see that these are good financial products, at value-for-money prices.

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

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 M&S are so useful. Marks & Spencer Money 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 Marks & Spencer Money 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 Marks & Spencer Money Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Mamma Mia! DVD, at M & S
Rating Parental Guidance,

Anti Mist Sports Sunglasses, at Marks & Spensers
Practical and fashionable, these wraparound sunglasses are designed in a flattering modern style

Ceramic Canoe Potpourri Bowl, at Marks & Spensers
Manufacturer: Marks & Spencer

Blue Lace Cushion, at M & S
Rectangular shape Embroidered lace design Dimensions: L30 x W40cm, Manufacturer: Marks & Spencer

Cross Panel Knee Length Skater Skirt, at Marks&Spencer
Pretty and feminine, this panelled skirt makes a fashionable, flattering choice. A great work-to-evening style

Per Una Empire Line Check Blouse, at Marks & Spensers
A fashionable 3/4 sleeve blouse featuring a check print and empire line

Rag Fairy Doll, at Marks & Spenser
Not recommended for babies under 12 months Hair ribbon detail Flared dress with bow feature Suitable for ages 1-3yrs This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

3/4 Sleeve Stripe Shirt, at Marks & Spencers
Smart and stylish, this 3/4 sleeve shirt features a stunning stripe design. A sophisticated new look, perfect for this season.

Collezione Toe Cap Lace-Up Shoes, at Mark & Spensers
Square toe Gusset toe cap stitch Stitch detail Lace-up Block heel

Welcome Reds - Case of 12, at Mark & Spencers
2 Domaine Lafage VdP des Ctes Catalanes 2007 2 Campo Bravo Rioja Vendimia Seleccionada 2007 4 Santa Gloria Merlot 2008 4 Villagio, Negroamaro Puglia 2008 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Square Buckle Leather Belt, at Marks and Spencer
With a versatile design perfectly suited for special occasions and everyday office wear, this sleek belt is sure to become a staple part of your formal wardrobe

Per Una St. Ives Floral Panel Skirt, at Marks & Spensers
A pretty knee length skirt in lightweight cotton mix fabric featuring a floral print and flared design

Per Una Cotton Rich Hooded Dressing Gown, at Marks and Spencer
Modern and feminine, this pretty hooded dressing gown is made from soft cotton rich fabric so you can relax in comfort and style. Part of Per Una's sleepwear collection

Château la Tour L'Aspic Pauillac 2004 - Case of 6, at Mark's & Spencer
Grape variety: 70% Cabernet Sauvignon, 25% Merlot and 5% Cabernet Franc Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Thermal Wide Ribbed Leggings, at Marks and Spencer
Keep warm and comfortable in these soft thermal leggings. Cosy without being bulky, they make the perfect extra layer for cold weather

Limited Collection Bow Detail Court Shoes, at Marks & Spensers
Pointed toe Bow detail Slip on Court style High heel Heel hieght: 104mm Comes in sizes 3-8, including half sizes

Per Una Pure Cotton Spot Print Pyjamas, at Marks and Spencers
Modern and feminine, these pretty pyjamas are made from soft cotton so you can relax in comfort and style. Part of Per Una's sleepwear collection

Pure Cotton Long Sleeve 'Little Builder Buddies' T-Shirt, at Marks & Spencer
Fun and comfy, this practical pure cotton long sleeve 'little builder buddies' t-shirt features a motif desgn. The shoulder poppers make it easier to dress him

Special Princess Age 3 Birthday Card, at Marks and Spencer
Cover text: To a very special little princess Inside message: Happy birthday This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 127 mm

Country Bunch Family Home Card, at MarksandSpencer
Cover text: New home! Inside message: Congratulations! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future 175 mm x 127 mm

M&S 2GB USB Memory Stick, at Marks & Spencers
Free 1 year guarantee This 2GB memory stick a hi-speed USB drive with a simple plug-and-play design that allows you to quickly and easily transfer and store data and multimedia files. This memory stick is the ideal solution for easily storing and protecting all your valuable files, photos, video, and more

Halterneck Spot Print Swimsuit, at Marks and Spenser
Fabulously fashionable, this flattering swimsuit features a striking spot print. Designed to fit and flatter

Underwear Print Laundry Bag, at Marks n Spencer
Drawstring fastening Underwear print

Walkmates Floral Design Leather Shoes, at Marks and Spencer
Floral design Stitch detail Riptape fastening Flat sole

Autograph Multi Pocket Jacket, at Marks and Spencer
This sharply styled casual jacket gives a fashionable urban look. Superior fabric, a contemporary design and exceptional attention to detail make it a must have for this season

Wooden Countryman Umbrella, at Mark & Spensers
Stylish and practical, this large traditional umbrella gives good coverage to protect you from the elements

Something Old Wedding Card, at Marks and Spencer
Cover text: something old, something new, something borrowed, something blue Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the worlds forests for the future Approx size: 150 x 150mm

USA & Australia Travel Adaptor, at Marks & Spensers
UK socket to 2 flat pin plug adaptor

Secret Support™ Cotton Rich V-Neck Lace Trim Vest, at Marks & Spensers
Flattering and feminine, this v-neck lace trim vest is made with Secret Support™ which gives gentle support and a flattering, defined shape. A soft, comfortable style

2 Pack Ball Candle, at Mark's & Spencer
Pack of 2 Ball shaped 80mm, Manufacturer: Marks & Spencer

Marks & Spencer Money 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 Marks & Spencer Money 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 & Spensers 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's:

• 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 Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.