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

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks and Spenser, 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 Financial Services, you get more, and you pay less.

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

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 Marks and Spenser 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 website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Per Una Cotton Rich Crochet Trim Padded Bra, at M & S
Elegant and feminine, this stylish bra is made from soft stretch cotton. Soft padding and underwiring give support and a flattering natural shape. Pretty everyday fashion

Portfolio Mosaic Bead Necklace, at Marks & Spencers
Clasp fastening Adjustable length Mosaic bead design Necklace length 81cm

100 Cotton Balls, at Marks & Spenser
Pack of 100

St Romain 2006 - Case of 6, at Mark & Spensers
Style: Dry Grape variety: Chardonnay 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

Corkscrew, at Marks and Spencers
Ergonomic grip handle This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Knitted Fine Ribbed Wrap, at Marks and Spencer
Keep warm without compromising on style! This fashionable fine ribbed wrap feels soft and cosy and makes a great way to add an extra layer

Golfers Shoe Bag, at Mark & Spencers
Invaluable accessory for the golfer, this care kit contains all you need to maintain your golf shoes and clubs

Pink Tutu Granddaughter Birthday Card, at M & S
Cover text: For a beautiful Granddaughter Inside message: With love

Pure Silk Plain Tie with Stain Defence™, at Marks and Spenser
This silk tie has been treated with our stain defence™ technology giving inbuilt resistance to everyday spills, this repellence benefit is maintained after dry cleaning

The Great Britain Guide (AA Illustrated Reference Books), at Mark's & Spencer
This is the ultimate getaway to all the best-loved areas of Britain. Explore the best-loved and most popular parts of Britain - including all the national parks, heritage coastline, areas of outstanding natural beauty, mountains and rural areas. This guide enables you to choose your destination, your activities - walks, cycle rides and car tours. Inside, you'll find easy-to-use maps and modern layouts with newly commissioned photographs to inspire you and locator maps showing the area in detail. There are 1,000 main entries, 150 walks, 50 cycle rides, 24 car tours and hundreds of ideas for activities and places to visit. Simple to use, "The Great Britain Guide" contains all the information you need to make the most of your visit - where to go, what to see and do and what not to miss

2 Pure Cotton Long Sleeve Assorted Design Tops, at Marks & Spensers
Cute and practical, this pack of 2 tops is great value. The soft cotton fabric will keep her happy and comfy

Wool Blend Single Breasted 2 Button Fine Stripe Jacket, at MarksandSpencer
Smart and stylish, this suit is outstanding value! It's made from comfortable hardwearing fabric, ideal for everyday wear

Autograph Long Sleeve Satin Stripe Shirt, at M&S
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a contemporary satin stripe design

Per Una Hatty Twist Panel Jersey Dress with Necklace, at Marks and Spenser
A gorgeous panel dress in soft stretch fabric featuring a front twist detail and detachable necklace

Younger Boys' Plain Fluffy Dressing Gown, at Marks and Spencer
Soft and cosy, this dressing gown is made from comfy fluffy fabric

Black Trim Trainers, at M+S
Crafted from leather for a natural, laidback look, these attractive trainers feature an easy grip sole providing you with lasting durability and comfort. Great for weekend sports and walks along the beach

Linen Blend Drawstring Waist Wide Leg Beach Trousers, at Marks and Spencers
Fluid and feminine, these wide leg beach trousers are cut to fit and flatter, giving an elegant silhouette. Drawstring waist adds a fashionable update. A look you can dress up or down

Autograph Essentials Double Button Bootleg Trousers, at Mark & Spencers
Part of Autograph Essentials - a collection of luxurious and timeless wardrobe must-haves featuring premium design and sophisticated styling

Tyrrell's Wines Vat 9 Hunter Shiraz 1998 - Case of 6, at Marks & Spencer
Style: Dry Grape variety: Shiraz (Syrah) Country of origin: Australia 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

Classic Collection Linen Look Trousers, at Marks and Spencer
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

Pure Cotton Pleated Bib Mock Layer Jersey Top, at Marks & Spenser
It looks like a top and a vest, but this fashionable mock layered design is just one piece. The pleated bib detail adds a stylish touch

Samsung BD-P1500 Blu-ray Disc™ Player, at Marks and Spenser
Blu-ray Disc™ player Full HD 1080p resolution: Gives you the most outstanding HD image quality Playback Media: BD-ROM, DVD-ROM, DVD-R, DVD-RW, AVCHD, Audio CD Playback Formats: VC-1, MPEG2, H.264 Audio: Dolby Digital Plus, Dolby Digital True-HD Connectivity: USB 2.0, HDMI CEC, Composite Video Outputs, Component Video Outputs, HDMI Outputs (Version 1.3), Optical Digital Audio Outputs, Analog Audio Outputs 2-channel HDMI-CEC (Anynet+): A true plug and play product, it comes with a Consumer Electronics Control (CEC) feature that lets you operate multiple HDMI products with a single remote control Accessories: Remote control Dimensions: 43 x 5.9 x 27.1cm Other Features: Pop Up Menu, Advanced scene search, High Definition Bitmap Subtitle, 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 Multi Stripe Long Sleeve Jumper, at Marks n Spencer
Fashionable and contemporary, this multi stripe jumper is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail makes it exceptionally stylish and comfortable

Pure Wool Anatolia Rug, at Mark's & Spencer
Made from New Zealand wool Traditional pattern Fringed design Small: L140 x W80cm Medium: L170x W120cm Large: L230 x W160cm, Manufacturer: Marks & Spencer

Knee Length Stripe Skater Skirt, at Marks and Spencers
Fashionable and contemporary, this stripe print skirt will take you from office to evening in style. A smart modern choice

Casa Cadaval Estate Vinha Padre Pedro 2006 - Case of 12, at Marks & Spencer
Style: Medium bodied Grape variety: Mixed Red Country of origin: Portugal Closure: Natural cork Suitable for vegetarians Bottle: 12 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

8 Cup Cafetiére, at Marks & Spensers
8 cup capacity Glass container Interlaced metallic frame, Manufacturer: Marks & Spencer

Per Una Detachable Faux Fur Hooded Parka, at Marks and Spencer
A cosy funnel neck jacket featuring a detachable faux fur hood.

Autograph Pure Silk Textured Tie, at Marks and Spencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Panasonic DMR - EX769 160GB HDD DVD Recorder with Digital Tuner, at Marks and Spencers
160GB capacity for a max recording of 200 hours onto the Hard Disk Drive Integrated Digital and Analogue Tuner VIERA link 1080p Up-Conversion and adaptive HD Enhancer Auto Preset Down Load Connect a DIGA DVD recorder to your VIERA TV via an HDMI cable Intelligent Auto Standby USB & SD Card slots Dimensions: W43 x H5.9 x D28.6cm

M&S 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 M&S 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 MarksandSpencer 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 Tesco:

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