There are lots of ways to save money using M&S Money Direct. Not least of these is Marks & Spencer 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 & Spencers, 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 Money, you get more, and you pay less.

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 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 Buildings 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 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.

Mark's & Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Car Insurance, but Marks and Spencer 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 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 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 & Spenser insurance products in document format too.

Mirrored Floor Cabinet, at Marks & Spencers
H88 x W40 x D36cm With 1 shelf Mirrored glass finish with clear knobs 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 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 SAVE ON SETS Save at least 30% when you buy this floor cabinet as part of a set. Click here to view the Mirrored Collection Set. , Manufacturer: Marks & Spencer

Stripe Hipster Skirt Tankini Bottoms, at M+S
Elegant and feminine, this flattering hipster skirt is designed in the latest shape. The ultimate in poolside glamour

Pure Cotton Short Sleeve Palm Leaf Print Top, at Marks & Spencer
This short sleeve top will make a useful addition to your wardrobe. It features a pretty palm leaf print for a stylish casual look

Oxford Toe Cap Shoes, at Marks and Spencer
Round toe Lace up Stitch detail Block heel

Murphy's Contemporary Selection White Mix - Case of 12, at Marks n Spencer
2 Chateau Darzac Reserve 2008: A subtle, unoaked white wine from Bordeaux that is youthful and refreshing... 2 Castello d'Alba White 2008: A stylish, full-flavoured white from Portugal's Douro Valley. Traditional Portuguese varieties have been used to create a highly individual wine with layers of flavour that include red apple, wild herbs, toasted almonds and mixed spice... 4 Willowbank Semillon Chardonnay 2007: A refreshing and intensely fruity white that is perfect for everyday drinking... 4 Beau Moulin Blanc 2008: A bright and crisp, unoaked white wine from a blend of traditional grapes grown in the sunny vineyards of the Languedoc... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Neutrals Giraffe Book of 1st, at Marks & Spenser
An exciting introduction to the world of playtime, this activity toy will have them entertained for hours of fun

Autograph Short Sleeve Crew Neck Vest, at M & S
Ideal for layering, lounging or sleeping in, these comfortable, easy to care for vests are an essential part of any modern man's wardrobe

Pure Cotton Satin Edge Stripe Shirt, at Mark's & Spencer
Smart and stylish, this satin edge shirt is made from pure cotton

PS3™ 80GB with Pure & Tomb Raider Games Bundle, at Marks and Spencer
Bundle includes PS3 80GB console and 2 games: Pure & Tomb Raider Game 1: Pure - Thrill seekers will be racing against skilled rivals and performing gravity defying aerial tricks in Pure, an extreme sports off-road racing video. Pure takes off-road racing to a new level. Featuring vertigo-inducing massive aerial jumps and spectacular airborne tricks in photo-realistic real-world locations all over the globe, Pure delivers heart-pounding experiences unique to the genre Game 2: Tomb Raider - The first lady of gaming returns in Tomb Raider - Underworld with her deepest and darkest adventure yet. Ostensibly searching for the mythical hammer of the Norse god Thor, the real draw of the game is exploring the underworlds of multiple different cultures 80GB HDD for storing games, music, videos and photos High-Definition Blu-ray player for the best movie experience Internet ready with built-in Wi-Fi Two USB ports HDMI output for 1080p resolution (cable sold separately) Plays DVDs and CDs Cell Broadband Engine advanced microprocessor DUALSHOCK3 wireless controller Free PlayStationNetwork membership AC power cord AV cable USB cable Console dimensions: W32.5 x H9.6 x L27.4cm Please note: User responsible for all applicable Internet fees. Some services or features may require additional fees. Video output in HD requires cables and an HD-compatible display, both sold separately. Copy-protected Blu-ray video discs can only output at 1080p using an HDMI cable connected to a device that is compatible with the HDCP standard. HDMI cable not included

Tiny Fairies Cake Stand Birthday Card, at Marks & Spencer
Cover text: Sweet Birthday Wishes Inside message: Especially for you Approx size: 230 x 114mm

M&S Café Torino, at Marks and Spencer
Removable filter with anti-drip Water level increments Makes up to 14 cups Safe thermostat adjustment Stay-warm function Polished stainless steel On/off switch with indication light H37cm 1000 Watt Automatic safety feature to switch off warm plate after over an hour 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 , Manufacturer: Marks & Spencer

Single Glasses - VALUE FLUTE, at Marks & Spencers
Manufacturer: Marks & Spencer

Abstract Print Tie Waist Skirt, at M&S
Long and lovely, this abstract print skirt will take you from office to evening in style. Stylish, practical and fashionable

Widefit Knee High Wedge Heel Stretch Boots, at Marks n Spencer
Round toe Stretch design Stitch detail Knee high Wedge mid heel Heel height: 55mm Comes in sizes 3-8, including half size

Star Sunglasses, at Marks & Spencers
A hot look for summer, these fabulous star sunglasses add instant style and glamour

Autograph Puccini Bench Seat Pad, at Marks & Spencers
Plain seat pad Suitable for indoor and all-weather outdoor use Both seat pad and bench are pictured. Bench sold separately This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Handcrafted Spots & Floral Mother's Day Card, at Marks and Spencers
Cover text: Mum Inside message: With lots of love on Mother's Day Approx size: Unfolded: 150 x 150mm

4 Granite Coasters, at Marks & Spencer
Pack of 4 Square shaped, Manufacturer: Marks & Spencer

Panasonic Lumix DMC-FX40 Digital Camera, at Mark's & Spencer
Pixels: 12.1 megapixels Zoom: 5x optical zoom, 4x digital zoom Display: 2.5 inch TFT colour LCD Screen ISO Sensitivity: Auto / 80 / 100 / 200 / 400 / 800 / 1600 High Sensitivity (ISO 1600-6400) Dimensions: W9.5 x H5.2 x D2.1cm Weight: Approx. 150g with Battery and SD Memory Card, Approx. 128g (without) Power: ID-Security Li-ion Battery Pack (3.6V, 940mAh) (Included) / AC Adaptor (Input: 110-240V AC) (Optional) Standard Accessories: Battery Charger, Battery Pack, Battery Case / AV Cable, USB Connection Cable, AC Cable / Hand Strap, CD-ROM Built-in-Flash:Auto, Auto/Red-eye Reduction, Forced On, Slow Sync./Red-eye Reduction, Forced Off 0.6 - 6.0m (Wide/ISO Auto), 1.0 - 2.8m (Tele/ISO Auto) Recording Media: Built-in Memory, SD Memory Card, SDHC Memory Card, MultiMediaCard (Still image only)

Pure Cotton Camouflaged Shorts with Belt, at MarksandSpencer
A contemporary take on a casual relaxed look, these pure cotton cargo shorts feature a stylish camouflaged print. A fashionable, easycare style

2 Underwired Bras, at Mark's & Spencer
Smooth and sleek, these moulded cup bras give a perfectly smooth outline under clothes. Underwiring and padding give an uplifted and enhanced natural shape

Per Una 3/4 Sleeve Drawstring Tunic, at Mark & Spensers
A stylish longline tunic featuring floral and sequin design, finished with a drawstring waist

Twin Front Pocket Rucksack, at Marks & Spencer
Stylish and practical, this nylon rucksack is ideal for business or weekend travel

15 Denier Ladder Resist Sheer Stockings, at Marks & Spencers
These stockings are specially designed with stretch in every stitch to stop ladders from forming. They're made using a super effective new fabric technology exclusive to M&S

Total Support Floral Jacquard Non Wired Bra, at Marks & Spencer
Specially shaped for practical uplift, this attractively embroidered bra offers support and comfort for the larger bust. Suitable after breast surgery, wider straps and full size cups ensure a secure fit

Long Sleeve Thermal Vest, at Marks and Spencer
Soft, warm and cosy, this long sleeve thermal vest is designed to give comfy insulation, perfect for chilly weather

7 Pure Cotton Assorted Bodysuits, at Marks & Spencers
Stock up on stylish essentials with this pack of 7 bodysuits in natural breathable cotton

Autograph Pure Linen Trousers, at Marks & Spencers
Fashionable and contemporary, these straight leg trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Pure Cotton Short Sleeve Snoopy T-Shirt, at Marks and Spenser
Fans of Snoopy™ will love this pure cotton short sleeve t-shirt featuring the popular character. A practical, easycare style

Limited Collection Sleeveless Crochet Top, at Mark's & Spencer
Part of Limited Collection's LA Love trend. Feminine, soft and laid back, this is a fashionable LA look with a boho vibe. Beautiful fabrics and playful prints are key

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