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

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from M & S, 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 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 M&S 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 & Spencer 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 M&S Money UK and European Breakdown Cover, since it covers you as a passenger too.

M&S may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Motor Insurance, but Marks n 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 website. With a simple, no-hassle service, you can compare features between a number of M&S Money Direct products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Money loans, credit cards or Buildings Insurance - besides a number of other insurance products, M&S Money 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 insurance products (Buildings Insurance, Motor 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 and Spenser insurance products in document format too.

Blossom Tree Embroidered Curtains, at M&S
Manufacturer: Marks & Spencer

Lightweight Stripe Scarf, at Marks & Spencers
Keep out the cold in style with this warm, soft scarf

Pure Cotton Cut & Sew Rugby Top, at Marks and Spencers
A fashionable smart-casual look, this comfortable cut and sew cotton rugby shirt features a stripe design. Stylish, practical and easycare

Small Packaway Bag, at Marks and Spencers
This trendy packaway shopping bag that is easy to carry, for those unforeseen purchases

25 Lotus Flower Room Scenters, at Marks and Spencer
Pack of 25 Lotus flower scented Burns upto 4 hours each, Manufacturer: Marks & Spencer

Woven Silk Pindot Stripe Tie with Stain Defence™, at Marks & Spencers
This woven silk tie has been treated with our stain defence™ technology giving inbuilt resistance to everyday spills, this repellence benefit is maintained after dry cleaning

In Bloom Rose & Amber Eau De Toilette, at Marks & Spencer
Rose and amber fragrance 100ml This product is not available for international delivery. Find out more

Blue Harbour Pure Cotton Short Sleeve Oxford Shirt, at Marks and Spencer
Relaxed and stylish, this short sleeve shirt is made from pure cotton, so it feels soft and comfortable to wear

Short Sleeve Round Neck Spongebob T-Shirt, at Marks & Spenser
Fans of Spongebob Absorb will love this crew neck cotton t-shirt featuring the popular character. A practical, easycare style.

Classic Collection Pull-On 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

Belt Stitched Tote Bag, at Marks & Spencer
Stylish and useful, this tote bag features buckled loop strap detail and a stitch belt design. A practical and fashionable accessory

2 Easycare Assorted Shirts & Tie Set, at Marks and Spencers
Smart style for less! This pack of 2 shirts and tie is outstanding value

Older Boys' Scotland Swimming Shorts, at Marks & Spencers
Sports fans will love these cosy swimming shorts featuring a Scotland motif. A practical, easycare style

Red Wine, Chocolate & Rose Basket, at Marks & Spensers
The perfect basket of treats for a loved one! Includes a giftwrapped cream rose plant, a bottle of French red wine and a box of tempting chocolates Available for delivery from 1st April to 30th September 2009

Multi Faceted Drop Earrings, at Marks and Spencers
Hook fastening Drop style Multi faceted bead design For hygiene reasons, refunds will only be given in accordance with your legal rights

Younger Girls' Warm Lined Knitted Boots, at Marks & Spenser
Round toe Knitted design Button detail Slip-on Flat sole Warm lined Comes in sizes 4-13

7 Denier Ladder Resist Ultra Sheer Tights, at Marks & Spencer
Our new innovation in fabric technology incorporates stretch into every single stitch to create an even, lightweight design and comfortable fit that's ladder resistant and simply a dream to wear

2 DD-G Cotton Blend Centre Bow Detail Bras, at Marks and Spenser
Soft and comfortable, these bras are specially designed for fuller busts. They're underwired and structured to give great support and a flattering enhanced shape

Playmobil Patrol Car Toy, at Marks and Spencer
Suitable for ages 4+ Flash light Hinged back seat Includes car, policemen, storage box with accesories This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Classic Collection Cashmilon™ Floral Cardigan, at Marks & Spencer
Stylish and so comfortable, this cardigan in softest cashmilon™ feels as good as it looks and the pretty floral design adds the perfect finishing touch

Pure Cotton Woven Bold Stripe Pyjama Shorts, at Marks and Spencer
Soft and comfortable, these pure cotton shorts can be worn alone or with a number of our pyjama tops and t-shirts to create your own style

Detroit Extention Leaf, at MarksandSpencer
H6 x W90 x D45cm Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen 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 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 manufacturer's instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Ramie Short Sleeve Tunic Shirt, at Marks and Spencers
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a stunning pintuck detail

Blue Harbour Stormwear™ Straight Leg Jeans, at Marks & Spenser
These jeans are treated with Stormwear™ technology, a breathable finish that repels water and stains. It features a classic straight leg cut and stretch fabric that provides the utmost in casual comfort

Autograph Styled Embroidered Non-Padded Balcony Bra, at Marks&Spencer
Glamorous and sophisticated this balcony bra features a delicate embroidered design. Stretch fabric and underwiring give a great fit and flattering uplifted shape. Beautiful exclusive lingerie

Traditional Shed 80th Birthday Card, at Marks and Spenser
Cover text: 80, Happy Birthday Inside Message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 126mm

Cartoon Dog Vroom, Vroom Birthday Card, at Marks and Spencer
Cover text: Vroom, vroom Inside message: King of the road This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 178 x 126mm

5 Pairs of Younger Girls' Assorted Design Socks, at Mark & Spencers
Stock up on stylish essentials with this pack of 5 pairs of assorted design socks

Halenka Lace Bikinis, at Mark & Spensers
A great style for making your legs look longer, these lace bikinis are designed with a flattering high cut.

Artificial Tea Rose in Glass Vase, at Marks&Spencer
Artificial tea rose Glass vase No watering required therefore easy care Fresh looking throughout the year Height: 33.5cm, Manufacturer: Marks & Spencer

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