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

Nonetheless, many features are standard to both the Premier and the Standard Car 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 Car Insurance from M&S Money Direct, you get more, and you pay less.

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

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

Lichfield Console Table, at M & S
H75 x L114.5 x W40cm 2 drawers Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Drawers made from solid European hardwood Handles made from solid European hardwood Shelves made from White Oak veneer Side panels are veneered Top panel is veneered with solid oak edging for strength 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

5 Pairs of Ribbed Sports Socks, at Marks & Spenser
Comfortable and black sports socks, pure and simple. This great value pack is sure to keep his feet happy

2 Machine Washable Zeus Ties, at Marks & Spencer
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

Silver Plated Double Twist Ring Necklace, at Marks & Spencer
Clasp fastening Adjustable length Thin chain Double twist ring pendant with multifaceted bead detail Necklace length 40cm, extendable by 7.5cm

Melamine Mini Measuring Jugs, at Marks and Spencer
Set of 3 Includes 60ml, 120ml and 240ml capacity Ribbed design Pouring spout, Manufacturer: Marks & Spencer

Travel Pill Holder, at Marks and Spencer
With seven individual compartments you can keep your essential tablets organised in this handy pill holder when travelling. The interlocking compartments are handy for any break and saves you having to carry all of your more bulky jars of tablets

7 Pairs of Freshfeet Square Box Socks with Silver Technology, at Marks & Spenser
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

Cut Out Wedge Heel Sandals, at Marks and Spencers
Open toe Cut out detail Stud feature Wedge heel Comes in sizes 3-8, including half sizes

Pure Cotton Broad Brim Summer Hat, at Marks & Spensers
Express your stylish side with this wide brim hat

Pure Cotton Short Sleeve Hello Kitty Top, at Marks and Spencer
Fans of Hello Kitty will love this cotton top featuring the popular character. A practical, easycare style

Autograph Pure Silk Textured Tie, at Marks and Spenser
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Marlow Triple Wardrobe, at M & S
H182 x W137 x D52cm With 1 hanging rail and 3 shelves Crafted predominantly from solid pine and fibreboard Assembled for you in the home This product is not available for international delivery. Find out more SAVE ON SETS Save at least 25% when you buy this wardrobe as part of a set. Click here to view the Marlow Collection Set. Click here to view the internal layout of this furniture, Manufacturer: Marks & Spencer

Classic Collection Paisley Print Skirt, at Marks & Spencers
Elegant, stylish and comfortable, this ankle length pull-on skirt is finished with a paisley print. The ideal match for blouses and fine knits in coordinating colours.

Cotton Denim Skirt & Leggings, at Marks & Spencer
You will love this cotton rich denim skirt with a plain pair of leggings. A practical, easycare style

Double Breasted 4 Button Stretch Jacket, at Mark & Spencers
Chic and stylish, this double breasted jacket makes a great choice for work or smart occasions. It's machine washable for added convenience

Per Una Long Sleeve Crochet Blouse, at Marks and Spencer
A feminine v-neck self stripe blouse featuring a crochet detail and rear tie fastening

Secret Support™ Slip on Boots, at Marks and Spencer
Round toe Faux fur lining and trim Slip on Flat sole

Autograph Pure Cashmere Polo Neck Jumper, at Marks and Spencer
Sophisticated and modern, this polo neck jumper is made from pure cashmere for the ultimate in luxuriously soft knitwear

First Readers Sleeping Beauty, at M & S
Someone forgot to invite the wicked fairy to the princess's christening party. She is so cross that she puts a curse on the young princess. Who will wake the beautiful sleeping princess?

White Ceramic Collection Soap Dish, at Marks & Spensers
Plain Oval shape L13 x W9cm, Manufacturer: Marks & Spencer

Perfect Portfolio Cluster Trim Pumps, at Mark & Spensers
Square toe Cluster and bow feature Square heel Slip-on Comes in sizes 3-8, including half sizes

Long Sleeve Multiple Print Hooded Jumper, at Marks & Spenser
Fashionable and contemporary, this hooded jumper features a multiple print detail. A pretty, practical and easycare style

Perfect Modal Blend Long Sleeve Jersey Top, at Mark & Spensers
The perfect long sleeve tee, in beautifully soft pima cotton modal. Wear it as a weekend basic with jeans, or go for some layered style

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

Edwardian Lady Peach Jug Mum Birthday Card, at Marks and Spencers
Cover Text: With love on your Birthday Mum Inside Message: Have a wonderful day Approx size: 150 x 150mm The Country Diary of an Edwardian Lady Rowen Stott (Designs) Ltd and RW.UK. Ltd 2008

Peter Rabbit Multipack of Cards, at Marks & Spencer
Cover text: Both designs: Easter greetings Inside message: Both designs: blank for your own message Pack contains: 4 cards, 2 designs Approx size: 70 x 145mm BEATRIX POTTER™ Frederick Warne & Co. 2009 Frederick Warne & Co. is the owner of all copyrights and trademarks in the Beatrix Potter characters names and illustrations. Licensed by opyrights group

Compton Coffee & Side Table Set, at M+S
Coffee table: H44.5 x L90 x W90cm Side table: H57 x W50 x D57cm Coffee table has fixed shelf Side table has a drawer Made from White Oak solids and veneers Hand distressed, with the distressing aged with dark patina Mid-brown stained finish, followed by 2 coats of durable, clear lacquer of low sheen Drawer fronts and boxes made with solid hardwood. Draw bottoms made with oak veneer Solid hardwood legs Side panels, door panels, back panels made from oak veneer. Top panels made from oak veneer with a solid oak edging for strength Handles made of solid antiqued brass 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Luxury Pure Wool Single Breasted Jacket, at Marks & Spenser
Beautifully tailored and finished with careful attention to detail, this luxurious jacket is made from pure wool

Handcrafted Black Velvet Flock Valentine Card, at Marks & Spencer
Cover text: Valentine 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: 178 x 127mm

Autograph Integrated Light Tweezers, at Mark's & Spencer
Use regularly to help shape and tidy eyebrows Always remove hairs from below or between the eyebrows by pulling in the direction of the hair growth Integrated light Includes case Batteries included

Mark & Spencers 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 & Spencers 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 Financial Services 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 Financial Services loans, credit cards or Buildings Insurance - besides a number of other insurance products, M&S Financial Services 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 Financial Services 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 Mark & Spencers insurance products in document format too.