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 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 Car Insurance from Marks & Spencer Money, you get more, and you pay less.

Mark & Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Car Insurance, but M+S 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 Money 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 Home 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 (Home 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 and Spencers insurance products in document format too.

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

Bear Collection - Cuddle Robe with Mitt, at Marks & Spencer
75 x 75cm Contrast trim Pure cotton Embroidered bear design, Manufacturer: Marks & Spencer

Angel Cotton Rich Stripe First Bra & Shorts Set, at Marks and Spencer
This simply styled great value bra set is ideal for everyday wear. It's made with stretchy cotton for a supportive and comfortable fit and the non-wired design is the best choice for first bras

Skinny Enamel Belt, at Marks & Spensers
Define your waistline with this fashionable enamel belt

Pure Cotton Short Sleeve Spot Dress, at M+S
Fashionable and practical, this cute dress features spot print and contrast hem. It's made from soft cotton to keep her comfortable and happy

Metallic Glaze Tumbler, at Marks & Spencer
Metallic glaze design Plain, Manufacturer: Marks & Spencer

Grand Enclos de Ceron 2006 - Case of 6, at Marks & Spencers
Style: Dry Grape variety: Semillon, Sauvignon Blanc Country of origin: France 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

Photographic Puppies Multipack of Mini Cards, at Marks & Spencers
Cover text: blank Inside message: blank for your own message 8 cards x 4 designs Approx size: 95 x 80mm

Baron de Pocé Sauvignon Blanc 2007 - Case of 12, at Marks & Spencer
Style: Dry, Medium bodied Grape Variety: Sauvignon Blanc Country of origin: France Closure: Natural Cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by vol: 12.5% Alcohol units per bottle: 9.4 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

Cotton Rich Funnel Neck Velour Top, at Marks & Spencer
Treat yourself to plush comfort with this super soft velour top. Perfect for relaxing or exercising in style

Flat Front Crease Resistant Trousers, at Mark & Spensers
Adopt a fuss-free approach to formal dressing with the crease resistant fabric of these sharp trousers, allowing you to stay looking smarter for longer

Rochford Chair, at Marks&Spencer
H80 x W73 x D85cm Seat: H48cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions made from fixed foam Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish All of our fabrics are treated with Stain-Defence& trade; - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 08457 624 624 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Leather Contrast Stitch Purse, at Marks and Spencers
This stylish purse is made from real leather with reinforced stitching and a secure popper fastening. A high quality and chic essential

Official ECB Cotton Rich T-Shirt, at Marks and Spencer
A must for cricket fans! This official t-shirt features the England Cricket logo. An easycare style in soft comfortable cotton

125 Years Pure Cotton Twill House Check Shirt, at M+S
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

Autograph Weekened Cotton Rich Floral Top with Silk, at M & S
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Sun Formula Spray On Leg Make-Up, at Marks and Spencer
Light tan Long-lasting Gives the appearance of natural tights This product is not available for international delivery. Find out more

Per Una Cotton Rich Roma Cropped Jeans with Belt, at Mark's & Spencer
A fashionable pair of cropped jeans in stretch cotton featuring an on the waist design. Comes with a plaited belt

Volume & Lengthening Mascara, at Marks and Spenser
Volumises eyelashes Hypo-allergenic Lengthens lashes

Pure Cotton Quick Iron Long Sleeve Stripe Shirt, at Marks and Spencer
Stylish and innovative, this pure cotton easycare shirt is quick and easy to iron for a smart crisp look.

Bold Stripe Wallpaper, at Marks and Spencer
Printed wallpaper No pattern repeat Suitable for living rooms, bedrooms, dining rooms and hallways Not suitable for bathrooms or kitchens Roll dimensions: W52cm x L10m Printed wallpaper is not washable - sponge cleaning only Made in the UK and sourced from sustainable, renewable forests How many rolls do you need?Click here for our wallpaper calculator Complete your room with made to order curtains. Click here to view our range For a detailed view of the colour and pattern, please click on the image and use the zoom function. Please note that your monitor settings may affect how colours are displayed, Manufacturer: Marks & Spencer

Spot Print Satin Chemise, at Marks and Spencer
Feminine and elegant, this sleek satin nightdress feels comfortable and gives a flattering fit. A gorgeous, glamorous look

Cashmilon™ Pull-On Knitted Hat, at Marks and Spencers
Stay ahead of trends in this stylish knitted hat made from supersoft cashmilon™. Warm and cosy, it's perfect with the matching scarf and gloves

Brushed Metal Bling Wall Clock, at Marks & Spencer
Round face Standard numerals Brushed metal, Manufacturer: Marks & Spencer

Chunky Weave Throw, at Mark & Spencers
Plain design Tasselled L200xW150cm, Manufacturer: Marks & Spencer

Pure Cotton Embroidered Fox Hooded Pramsuit, at Marks and Spencers
Cute and cosy, this hooded pramsuit is warmly padded and lined with soft cotton to keep her comfortable

Sebo Felix Filter Bags, at Marks & Spensers
Suitable for use with Sebo Felix upright range of vacuum cleaners

Pure Cotton Transformers T-Shirt, at Marks and Spencers
Fans of Transformers will love this short sleeve t-shirt featuring Optimus Prime. A practical, easycare style

Cotton Rich Floral Print Blouse with Silk, at Marks & Spencers
Pretty and feminine, this 3/4 sleeve blouse is made from a luxurious blend of silk and cotton and features floral print design

Older Boys' Cotton Rich Motor Hero Shorties, at Marks & Spencer
Made from comfortable, breathable cotton, these motor hero shorties are outstanding value

Grace Cereal Bowl, at Mark's & Spencer
Leaf design Fine China Diam 17cm, Manufacturer: Marks & Spencer

Besides Mark & Spencers Car Insurance, M&S Money Direct Credit Cards and other financial products, M&S Money Direct Home Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Money Direct Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks & Spencers purchases are also protected while you take them home.

Also, on both M&S Money Direct Premier Home Insurance and Standard Home Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.