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

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

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

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

Watercolour Bouquet Wedding Card, at MarksandSpencer
Cover text: On your Wedding Day Inside message: With best wishes for your happiness toady and always Approx size: 178 x 126mm

2 Machine Washable Floral Pattern Ties, at Marks & Spenser
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

Nina Simone - The Legend CD, at Marks and Spencer
Audio CD, Marks & Spencer

Total Support Plain Design Full Cup Bra, at Marks and Spencer
Providing great value and comfort for everyday wear, this plain and simple non-wired bra combines supportive full cups with convenient easy to care for fabric

Andante Rim Side Plate, at Marks and Spencers
Ideal for everyday use, durable Plain Round shape Diameter 21cm, Manufacturer: Marks & Spencer

Limited Collection T-Bar Double Strap Wedge Shoes, at Marks and Spencer
Open toe T-bar Buckle fastening Wedge heel Heel height 118mm Comes in sizes 3-8, including half sizes

Mirrored Sink Unit, at Mark's & Spencer
H80 x W59 x D42cm Sink and tap sold separately Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Care & Cleaning - Wipe with a soft, clean cloth This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

The Top 100 Health Tips by Janet Wright, at Marks and Spencers
Discover the secrets to optimum health and vitality! Fast-track your way through the easily navigated section to optimise your health and well-being through foods

3 Non-Iron Long Sleeve Shirts, at Marks and Spencer
This pack of 3 shirts is great value. A practical and convenient choice, they're easycare and non-iron to save you time. Elasticated cuffs are a feature on shirts up to age 8 to make it easier for young children to dress

Older Girls' 8 Pack Short and Vest Set, at Marks & Spenser
A cute and comfy matching set in a soft cotton featuring a centre bow

Roberts Revival RD60 DAB Radio, at MarksandSpencer
Styling: Fifties styling with gold plated fittings Frequency ranges: FM/DAB wavebands Input connectors: Stereo line in socket for iPod / MP3 playback, stereo headphone socket Output connectors: Stereo line output socket Controls: Rotary tuning and volume controls with one touch instant access to favourite station LCD Display: Easy to read 16 x 2 character LCD display with amber display backlight Mains power supply: Mains operation via AC adaptor (included) Battery power supply: Up to 120 hours battery life. Uses 4 x LR20 (D size) batteries (not included) Presets: Station name / multi preset mode Dimensions: W26 x H15.5 x D10cm Weight: Weight 1.6 kg 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

3 Pure Cotton Eskimo Bibs, at Marks and Spencer
Cute and practical, this handy pack of 3 pure cotton bibs is great value

Panasonic DMP BD60 Blu-ray Disc™ Player, at Marks & Spencer
PHL Reference Chroma Processor Plus: A high quality image-processing technology developed by Panasonic to precisely process each pixel of the Blu-ray Disc™ video signal in the vertical direction 4:4:4 signal technology: Processes each pixel of the Blu-ray Disc™ video signal in the horizontal direction, to complement vertical direction processing VIERA CAST function: Allows access to YouTube™, Picasa™, and other Internet sites from the special VIERA CAST screen Playback Media: BD-ROM, DVD-ROM, DVD-R, DVD-RW, AVCHD, Audio CD Audio: Dolby Digital Plus, Dolby Digital True-HD Connectivity: USB 2.0, HDMI, SD slot, Composite Video Outputs, Component Video Outputs, HDMI Outputs (Version 1.3), Optical Digital Audio Outputs Accessories: Remote control Dimensions: 43 x 4.9 x 24.9cm

Older Boys' Pure Cotton Stripe Pyjamas, at Marks & Spencers
Soft and comfy, these pure cotton pyjamas feature a stripe design

Panelled Lace-Up Trainers, at Marks & Spencer
Round toe Lace-up Chunky grip sole Panelled design

Single Sprung-Edge Divan with 1 Small + 1 Large Drawer & M400 Mattress - Firm, at Marks & Spencer
Single Mattress (3ft): W90 x L190cm Single Divan (3ft): W90 x L190cm Mattress depth: 24cm Divan height: 41cm Large Drawer: H14 x W78 x D52cm, Small Drawer: H14 x W40 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table Mattress filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give the mattress edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs 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

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

Dinner Candle Holder, at Marks & Spensers
Fluted opening Long stem with wide base Handmade H33 x Diam: 8.8cm Weight: 0.45kg, Manufacturer: Marks & Spencer

Performance °Climate Control Flat Cap, at Marks & Spenser
A traditional British classic, this is a versatile style that looks great worn smart or casual

Samsung 40'' LE40B550 HD Ready LCD TV, at Marks & Spensers
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 40 inch LCD screen, 1920 x 1080 resolution Dynamic contrast ratio: High contrast Dimensions: W998 x D255 x H699 (with stand), W998 x D79.3 x H638 (without stand) Weight: 19.4 (with stand), 14.8 (without stand) SRS TruSurround HD: For enhanced surround sound effect Connectors: 3 x HDMI , 2 x scart, 1 x RF Input, 1 x component, 1 x PC input, 1 x digital audio (Optical) (all inputs at back of TV) DNIe+ Technology: The Digital Natural Image Engine produces images with incredible depth and density. Advanced contrast and detail enhancers combine to produce deeper richer lifelike colours Wide Colour Enhancer 2: Primary colours are strengthened to increase depth and intensity to show pictures in all their natural beauty Clear Panel Prevents glare to keep images clean and clear 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: 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 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 This product is not available for international delivery. Find out more Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Cashmilon™ Polo Neck Knitted Jumper, at Marks & Spencer
Fashionable and flattering, this knitted jumper is made from supersoft cashmilon™ and features a polo neck

Autograph Noire Eau De Toilette, at Marks & Spencers
Eau De Toilette for women 100ml This product is not available for international delivery. Find out more

Autograph Anodised Aluminium Milk Pan, at Marks and Spencer
Non-stick interior for low-fat cooking and easy cleaning Pouring spout Charcoal-coloured aluminium design Riveted handle for durability Excellent heat distribution with no hot spots Handwash only Suitable for all cooker types except induction Capacity: 1 litre Diam: 14cm Oven safe to 180C/350F/gas mark 4, Manufacturer: Marks & Spencer

Per Una Floral Print Sequin Shopping Bag, at Marks & Spencer
Sequin embellishment makes this fashionable bag even more special. Give your look the Per Una twist!

Disney's Cars My Story Collection Activity Book, at Marks and Spenser
Hot shot rookie, Lightening McQueen, is living the dream.. or so he thinks ! When the famous racecars tyres burst during the Piston Cup race, his goal of winning the trophy is almost over before begun. But maybe hell get another chance.. Once youve read the story, complete the activity pages at the end of the book. With stickers of all your favourite friends.

Earth Spa Moisture Quenching Body Gel, at Marks and Spencer
To replenish and pamper 300ml Ingredients: Aqua , Cyclomethicone, Alcohol Denat. Glyceryl Polymethacrylate, Glycereth-26, Phenoxyethanol, Biosaccharide Gum-1, Sodium Carbomer, Limonene, Carbomer, Glycerin, Benzyl Alcohol, Citrus Aurantium Dulcis Oil, Methylparaben, Benzophenone-4, Linalool, Aloe Barbadensis, Disodium EDTA, Butylparaben, Citrus Aurantium Bergamia Oil, Sodium Hydroxide, Propylene Glycol, Ethylparaben, Citrus Medica Limonum Oil, Pelargonium Graveolens Oil, Propylparaben, Orchis Mascula, Isobutylparaben, Plumeria Alba, Parfum, Propylene Glycol Dicaprylate/Dicaprate, Eugenol, Citrus Aurantifolia Oil, Citrus Nobilis Oil, Pogostemon Cablin Oil, Citronellol, Geraniol, Benzyl Benzoate, Citral, Xanthan Gum, CI 14700

Girls' Fashion Schoolwear - Drop Waist Belted Skirt with Stain Defence™, at Marks & Spenser
Smart and stylish, this fashionable belted skirt is treated with Stain Defence™ technology which helps repel everyday stains

Pure Cotton Waffle Dressing Gown, at Marks and Spencer
Pretty and feminine, this dressing gown is made from pure cotton. Relax in style and comfort

Collezione Luxury Wool Rich Flat Front Trousers, at MarksandSpencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Sonoma Bedstead, at Marks & Spencer
H103 x L207 x W114 Headboard: H108cm Underbed: H16cm Single: L204 x W108cm Double: L214 x W158.5cm King size 5ft: L224 x W173.5cm Super king size 6ft: L224 x W203cm Mattress sold separately Finished with 2 coats of durable, clear lacquer of low sheen Made from solid oak and oak veneer Side and back made from White Oak veneer This range features natural wood characteristics Delivered flatpack due to size. 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

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

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