There are lots of ways to save money using Marks & Spencers Money. Not least of these is Marks and Spenser Standard Motor Insurance. With Marks & Spencers 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 Marks & Spencers 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 M&S Money, 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 & Spencers are so useful. Marks & Spencers Money financial products are, of course, designed to make Marks & 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, 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 Marks & Spencers Money 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 Marks & Spencers Money Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

Besides Marks and Spencer Motor Insurance, Marks & Spencers Money Credit Cards and other financial products, Marks & Spencers Money Buildings 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 Marks & Spencers Money 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 M+S purchases are also protected while you take them home.

Also, on both Marks & Spencers Money Premier Buildings Insurance and Standard Buildings 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.

Per Una Short Sleeve Balinese Tunic, at Marks & Spencers
A colourful printed tunic with a front and back v-neck featuring waist tie and comes with a camisole

Clarendon Footstool, at M & S
H37 x W119 x D79cm (all dimensions are approximate) Cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that maintains the cushions' look and shape. Click here to Find out more 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 Feet are castors 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Tulsa 2-Seater Sofa, at Marks & Spensers
H96 x W203 x D98cm Seat H50cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that maintains the cushions' look and shape. Click here to Find out more Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushionns made from polyester fibre 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 Includes 2 free matching scatter cushions 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Sweet Bergamot Pot Pourri Box, at Marks & Spencers
Sweet bergamot fragrance Presented in a box, Manufacturer: Marks & Spencer

Daddy & Me - Chainsaw & Goggles, at Marks n Spencer
Chainsaw with easy-grip handle Toy safety goggles with elasticated headband Batteries included Suitable for ages 3+ This product conforms to EN71 and the Toy Safety Directive 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, Manufacturer: Marks & Spencer

Bart Simpson Video Game Player Birthday Card, at Marks and Spencer
Cover text: Happy Birthday Inside message: ... to a real player The Simpsons ™ and 2008 Twentieth Century Fox Film Corporation, All Rights Reserved. Approx size: 215 x 150mm

Autograph Long Sleeve Sequin Panel Top, at Marks&Spencer
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

Limited Collection Border Studded Leggings, at Marks and Spencers
Part of Limited Collection's LA Love trend. Feminine, soft and laid back, this is a fashionable LA look with a boho vibe. Beautiful fabrics and playful prints are key

Pom Pom Collar Necklace, at Marks & Spencer
Chunky design Ribbon chain Tie fastening Necklace length: 109cm

Luxury Pure Cotton Long Sleeve Gingham Shirt, at Marks & 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

Portfolio High Heel Court Shoes, at Marks & Spencer
Square toe Jewel feature Slip on Heel height 91mms

Autograph Slinky Drape Dress, at Marks & Spenser
Part of Autograph's Luxe Tradition trend. Luxurious and contemporary with a sense of British heritage, this trend features a soft colour palette, modern prints and beautiful fabrics. A sophisticated look for the new season

Portfolio Pleated Tulip Skirt with Belt, at M&S
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

2 Pure Cotton Long Sleeve Tree T-Shirts, at Marks and Spencer
Fun and practical, these cute t-shirts feature embroidered motifs. They are made from soft cotton to keep him comfy

The Floral Collection Iris Soap, at M&S
3 x 100g Iris scented Added moisturisers

Bright Prints Lunch Bag, at Marks and Spenser
This bright green and blue bag is a great way to keep your sandwiches cool and fresh until lunchtime. The top of the bag rolls down and is secured with hook and loop fabric, and the bag is insulated to keep food cool

2 Classic Underwired Bra, at Marks and Spencer
Soft and comfortable Feminine and prettY Smooth and versatile, this pack of 2 underwired bras are great value. They're designed to give gentle support and a flattering fit

Flowers by Post - 22 White Fairtrade Roses, at Marks and Spencer
Simply exquisite, order these white Fairtrade Roses and they'll be carefully wrapped and delivered by first-class post. Flowers by Post is a great value way to spoil someone you know - or yourself Fairtrade Certified Flowers

Gold Plated Abalone Y Design Necklace & Earrings Set, at Mark & Spensers
2 part set Hook fastening abalone drop earrings Y design necklace with intermittent beads

Plain Boy Shorts Tankini Bottoms, at Marks and Spencer
Modern and stylish, these tankini bottoms are designed to fit and flatter. Make a splash!

Large August Bouquet Bundle, at Marks and Spencers
Historically a symbol of love, this assortment of larkspur in shades of lilac, cream and pink also contains deep purple lisianthus, sandriana and delicately pretty roses. A vase and free 310g luxury Belgian chocolates make this an extra special gift. Includes 50% more blooms than the standard August bouquet Available for delivery from 1st to 29th August 2009

Campo Buri, Rosso Veneto 2005 - Case of 6, at Marks & Spencer
Style: Full bodied Grape variety: Carmenere, Oselata Country of origin: Italy Closure: Natural cork Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 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

Casa Leona Cabernet Sauvignon Reserve 2006 - Case of 12, at Marks and Spencer
Style: Full bodied Grape variety: Cabernet Country of origin: Chile Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Anti-Feathering Lipstick, at Marks and Spencers
Colour rich Anti-feathering Hypo-allergenic

4 Border Lined Place Mats, at Mark & Spencers
Pack of 4 Border lining detail Rounded corners, Manufacturer: Marks & Spencer

Autograph Straight Leg Trousers with Silk, at Marks & Spenser
Modern and stylish, these straight leg trousers are designed for a contemporary look and flattering silhouette

Wedding Rings Wedding Card, at Marks and Spencers
Cover text: On Your Wedding Day Inside message: Blank for your own message Approx size: 230 x 114mm

Multi Strand Molokai Choker Necklace, at Marks & Spencer
Necklace length: 43cm, extendable by 7cm Multi strand Assorted bead design

Clear Crook Umbrella, at M&S
This stylish umbrella features a wide canopy for extra protection from the elements, keeping you drier

Denim Hearts Husband Birthday Card, at Marks n Spencer
Cover text: Husband Inside message: Have a wonderful Birthday Approx size: 178 x 126mm

When you're shopping at Marks & Spencers online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from Marks & Spencers Money. Offering everything from savings accounts and credit cards, to Buildings Insurance and Motor Insurance, there's a lot more going on at Marks & Spensers than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from Marks & Spencers Money. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from Marks & Spencers Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the Marks & Spencers Money website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."