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

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

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

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

7 Pairs of Freshfeet Cotton Rich Socks with Silver Technology, at Marks & Spencers
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

Philips CD1551B Cordless Phone with Answering Machine, at Marks and Spencer
50 name and number phonebook 10 call log entries 10 minutes recording time Plug and play answering machine Call waiting, caller ID, conference call, explicit call transfer, microphone mute Tone and pulse dialling Talktime up to 12 hours, standby time up to 150 hours Base dimensions: 120 x 114 x 82.5mm Handset dimensions: 162 x 48.3 x 28.7mm

Autograph Pure Cotton Long Sleeve Large Check Shirt, at Marks and Spenser
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Salt & Pepper Mill Duo, at Marks and Spenser
2 in 1 salt and pepper mill Colour coded ceramic mechanism Turns anti-clockwise for salt and clockwise for pepper Dual grind slectors for corse or fine grind Approx size: L8.4 x W8.4 x H16.6cm, Manufacturer: Marks & Spencer

Artificial Mini Orchid in Square Mirror Glass Vase, at Marks n Spencer
Artificial orchid Mirror glass vase Ready made arrangement that needs no after care H58cm, Manufacturer: Marks & Spencer

Woodspice Roll On Anti-Perspirant Deodorant, at Marks and Spencers
Woodspice aroma Anti-perspirant 50ml

Blue Harbour Pure Cotton Corduroy Trousers, at Marks and Spencer
Relaxed and comfortable, these smart casual cords are made from pure cotton and feature front and rear pockets

Organic Château du Parc 2006 - Case of 12, at Marks & Spensers
Style: Dry Grape variety: Syrah, Mourvdre and Grenache Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. 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

Autograph Bling Cat Keyring, at Marks and Spencer
Link chain Cat shape Diamant detail

Pure Cotton Skater Skirt with Belt, at Mark's & Spencer
Smart and modern, this cotton A-line skirt features stripe design. A contemporary style choice that will take you through the season in style

Pure Linen Pintuck Skirt, at Marks&Spencer
Casual and contemporary, this cotton skirt features pin tuck design. Stylish, practical and fashionable

A5 Kitchens Diary, at Marks & Spencer
Pack contains: 1 diary & 4 magnets Diary: 215 x 150 mm Gift box: 220 x 230 x 30mm

M&S 2-Slice Toaster - Black, at Marks & Spencer
2 slice toaster 850W Defrost, reheat and cancel settings Automatic and manual switch off Removable crumb tray for easy cleaning With indication light Cord storage Wide slots (33mm), fit for all kinds of bread Elegant design with stainless steel body Dimensions: H21 x W30 x D18cm 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

Battery Operated Light Ball, at Marks & Spencer
Ball design Light up feature Battery supplied Diam 7.5cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Knotted Slouch Bag, at Marks and Spencer
A casual vintage style pleated bag. Add a fabulously fashionable finish to your look!

Paua Shell Pear Necklace and Earring Set, at Marks & Spenser
2 piece set Pear shaped polished shell earrings Multi pear shaped polished shell pendants

Oh-So Lovely, at Mark & Spensers
This luxurious bouquet, featuring soft white roses and lovely cream and purple edged carnations, is sure to make someone feel special Available for delivery between 1st April to 30th September 2009

Enamel Butterfly Jewellery Holder, at Marks and Spencer
Enamel butterfly design Multiple hooks

Older Boys' Rivet Belt, at Marks & Spencer
Fashionable and practical, this leather rivet detail belt adds a stylish finishing touch

Autograph Luxury Pure Cotton Blend Stripe Shirt, at Marks & Spencer
Smart and refined, this shirt is part of an exclusive range of beautiful garments, available only in our top stores and online. It's made from superfine yarn so it feels luxuriously smooth. Designed for a stylish contemporary look and great fit

Collezione Plain Long Sleeve Shirt, at Marks and Spenser
Italian style is renowned for its attention to detail. Each collezione piece 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 shirt to give you a feeling of luxury like no other

Laser Cut Champagne Flutes Wedding Card, at Marks and Spencers
Cover text: a toast to love, wedded bliss, together husband & wife, wedding, Love cherish, celebration, forever, true love, romance, happy couple, On you wedding day Inside message: With love on your special day Approx size: 230 x 114mm

Nintendo Wii™ Classic Controller, at Marks&Spencer
The Classic Controller is connected to the Wii Remote by a short cable. The Wii Remote provides the Controller with a wireless connection to the Wii console. The Classic Controller is primarily used for playing Virtual Console games available for download from the Wii Shop Channel. Some Wii Disc games also use the Classic Controller. Check the back of Wii game packaging to see which games are compatible 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

Large Packaway Tote Bag, at Marks n Spencer
This trendy foldable shopping bag that is easy to carry, for those unforeseen purchases

Ultimate Non-Iron Pure Cotton Pleat Wing Collar Shirt, at Marks&Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Pure Cotton Thomas & Friends© Top & Joggers Outfit, at Marks & Spencers
Fans of Thomas & Friends will love this 3 piece joggers outfit featuring the popular character Thomas the tank engine. Fun, practical and great value

Autograph Pure Linen Suit Trousers, at Marks and Spencer
Perfect for smart occasions, these classic linen suit trousers make a fashionable and practical choice

Per Una Pure Cotton Floral Revere Pyjamas, at Marks and Spencers
Modern and feminine, these stylish floral revere pyjamas are made from pure cotton. So you can relax in comfort and style. Part of Per Una's sleepwear collection

Autograph Leather Hip Wallet, at Mark & Spencers
Smart, stylish and practical, this leather hip wallet makes it easy to organise cards and notes

Oudinot Champagnes - Case of 6, at Mark's & Spencer
3 Oudinot Brut Champagne NV: A dry and elegant champagne with a crisp mousse and fresh lemon fruit... 3 Oudinot Ros Brut Champagne NV : A lively, luxurious ros Champagne with ripe strawberry fruit, a hint of cream and a crisp, dry aftertaste... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

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 and Spencers 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, Sainsburys, 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 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.