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

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

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

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 and Spenser are so useful. M&S Financial Services financial products are, of course, designed to make Marks and Spencers 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, Property Insurance policies. Usually, UK Property 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 Financial Services Property 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 Financial Services Property Insurance than you will anywhere else, and you may even pay less with M&S.

Die Cut Shoe Print 18th Birthday Card, at Marks and Spencer
Approx. size: 215 x 150mm Cover text: 18 Inside message: Blank for your own message

The Floral Collection Mixed Talcs, at Mark's & Spencer
Pack of 4 4 x 50g Magnolia Talcum Powder Ingredients: Talc, Magnolia Liliflora (Magnolia), Parfum, Amyl Cinnamal, Linalool, Butylphenyl Methylpropional, Benzyl Salicylate, Geraniol, Citronellol, Aqua, Isoeugenol, Propylene Glycol, Eugenol, Cinnamyl Alcohol, Sorbital, Phenoxyethanol, Methylparaben, Butylparaben, Ethylparaben, Propylparaben, Isobutylparaben Rose Talcum Powder Ingredients: Talc, Parfum, Rosa Centifolia (Rose), Benzyl Salicylate, Citronellol, Aqua, Linalool, Alpha-Isomethyl Ionone, Geraniol, Phenoxyethanol, Methylparaben, Ethylparaben, Butylparaben, Isobutylparaben, Propylparaben Lavender Talcum Powder Ingredients: Talc, Lavandula Angustifolia (Lavender), Parfum, Linalool, Aqua, Alpha-Isomethyl Ionone, Hydroxyisohexyl 3-Cyclohexene Carboxaldehyde, Limonene, Butylphenyl Methylpropional, Geraniol, Methylparaben, Phenoxyethanol, Ethylparaben, Butylparaben, Isobutylparaben, Propylparaben Iris talcum powder Ingredients: Talc, Iris Florentina (Iris) Flower Extract, Parfum, Hexyl Cinnamal, Linalool, Alpha-Isomethyl, Ionone, Aqua, Propylene Glycol

Blue Harbour Heritage Pure Cotton Denim Shirt, at Marks & Spenser
Relaxed and stylish, this denim shirt is made from pure cotton so it feels soft and comfortable to wear

Pure Cotton Fine Ribbed Placemat, at Mark's & Spencer
Ribbed design Rectangle shape, Manufacturer: Marks & Spencer

Elephant Party Time Invitations, at Marks n Spencer
Cover text: Party time come and have fun! Inside message: Dear........, You are invited to a party, On............, Time..........., Place........., Hope you can come, RSVP............... 10 cards, 1 design This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 120 x 120mm

Pure Cotton Shark Stripe T-Shirt, at Marks & Spencers
A practical, casual top in pure cotton featuring a stylish shark stripe design. A great value easycare style

Autograph Leather Soho Bag, at Marks and Spencer
Luxurious and beautiful, this chain handle bag is part of our exclusive Autograph collection. It's made from matt and glossy leather, and is useful and practical as well as being a highly desirable fashion accessory

Blue Harbour Swimming Trunks, at Marks & Spencer
A great value pair of trunks offering a secure fit, while the classic look trunks are perfect for that relaxing walk on the beach

Sony Cyber-shot™ DSC-W270S Digital Camera, at Mark & Spensers
Pixels: 12.1 Megapixels Zoom: optical x 5, digital x 10 (aprrox), Carl Zeiss Vario-Tessar lens with 28mm wide angle for panoramic landscapes and large group shots Screen: 2.7-inch (230K dot) Clear Photo LCD plus screen with wide viewing angle ISO: Auto, 100, 200, 400, 800, 1600, 3200 Dimensions: W97.6 x H56.6 x L22.6mm Enhanced Face Detection Enhanced Face Detection with selectable adult/child priority high-speed subject tracking for clearer portraits. Includes Face Motion Detection Enhanced Smile Shutter Enhanced Smile Shutter automatically fires shutter when subject smiles: now easier to use with adjustable smile threshold Intelligent Scene Recognition Intelligent Scene Recognition simplifies shooting by choosing best settings for difficult conditions such as twilight portraits and backlit scenes Optical SteadyShot High sensitivity ISO 3200 and Clear RAW Noise Reduction for high-quality images with reduced blur during handheld shooting in low light HD Output HD output to view video and still images on HD TV (requires optional cable). PhotoTV HD enhances still image viewing on compatible BRAVIA TV BIONZ processor BIONZ processor for enhanced image quality, reduced image noise and fast shooting response HD Slideshow HD Slideshow with music offers fun image display with effects and music on LCD or connected HD TV Free 2 year guarantee 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

Limited Collection Tamara Sunglasses, at M&S
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Collezione Leather Brogue Shoes, at Marks and Spencers
Pointed toe Punch feature Stitch detail 5 eyelets Lace-up Block heel

Per Una 3/4 Sleeve Single Button Cardigan, at Marks and Spencer
A shimmering 3/4 sleeve knitted cardigan featuring a single popper fastening

Autograph Pure Cotton Slim Fit Rib Stripe Shirt, at Marks & Spencer
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Its A Groove Thing CD, at Marks&Spencer
Album, Marks & Spencer

Faux Pearl Long Necklace, at Marks & Spencers
Faux pearl Long length Necklace length 122cm

Pork Crackling Joint, at Mark & Spencers
Serves 9-11 Ready to cook 2kg As featured on page 37 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

Autograph Large Cylinder Hurricane Lamp, at Marks and Spenser
Tinted glass Bedded in sand to balance candle Dimensions: H30 x Diam 30cm, Manufacturer: Marks & Spencer

Autograph Leather Double Handle Holdall, at M&S
Stylish and contemporary, this double handle leather holdall is a fashionable and practical must-have

2 Angel Contrast Strap First Bras, at Marks and Spencer
These great value bras are ideal for everyday wear. They're made with stretchy fabric for a supportive and comfortable fit. The unique soft underwiring is perfect for girls who have been wearing our non wired bras for 2 years

Tribeca Large 2 Seater Sofa AU09 Newness, at Mark & Spensers
Manufacturer: Marks & Spencer

Italian Collezione Pure Silk Wheat Tie, at Marks and Spenser
Combining classic silk quality with a contemporary design, this stunning tie will make a valuable and versatile addition to your formal wardrobe. Made in Italy

Pink Sketchy Flowers Birthday Card, at Marks & Spencer
Cover text: Happy birthday Inside message: Have a lovely day Approx size: 174 x 126mm

Luxury Pure Cotton Long Sleeve Hairline Stripe Shirt, at Marks and Spencer
The superior quality, cut and detailing on this luxurious pure cotton shirt are inspired by Jermyn Street tailors. A sophisticated style with a great fit

Autograph Victorian Faux Pearl Necklace, at Marks n Spencer
Ribbon fastening Multi strand Faux pearl design Victorian pendant feature Necklace length 80cm

Pure Cotton Candy Stripe Bedset, at Marks & Spensers
Textured stripe design Single set includes duvet cover (3ft) and 1 pillowcase Double set includes duvet cover (4ft 6in) and 2 pillowcases, Manufacturer: Marks & Spencer

Belted Crop Denim Jeans, at Marks and Spencers
Get a chic summer look with these cropped belted jeans. Just add a t-shirt and flat pumps Comes with belt shown in image

Classic Collection Pure Cotton Swirl Neck Top, at Marks and Spencer
Modern and stylish, this versatile top is made from soft easycare fabric and features a swirl neckline design. A fashionable style with a comfortable, flattering fit

Padded Plunge Bra, at M & S
Everyone's skin tone is different, so after some research into skin tones we've come up with Body Nudes, a range of flattering shades to suit everyone. Body Nudes is soft and comfy with no visible lumps or bumps, so you can be sure your clothes will look their best

Lotus Flower Scented Spheres, at Marks and Spencer
Floral scented assortment, Manufacturer: Marks & Spencer

Long Sleeve Embroidered Bib Top, at MarksandSpencer
This Nehru collar top makes a perfect way of getting the smart casual look this season. It has a bib detail and scallop trim for an extra touch of stylish chic

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 & 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 Spenser, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Motor 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.