There are lots of ways to save money using M&S Financial Services. Not least of these is Mark & Spensers 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 Spencers, 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 Finance, 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 n Spencer are so useful. M&S Financial Services financial products are, of course, designed to make M+S 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.

When you're shopping at Marks & Spencer 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 M&S Financial Services. Offering everything from savings accounts and credit cards, to Buildings Insurance and Car Insurance, there's a lot more going on at Marks & Spencers than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Financial Services. 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 M&S Financial Services, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Financial Services 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."

Sunny Town Shop Helpers Set, at Marks and Spencer
Shop keeper Delivery car Little girl Promotes hand eye co-ordination Suitable for ages 12 months + This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Charlotte Footstool, at Marks and Spencer
H39 x W56 x D48cm (all dimensions are approximate) Top cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 cushion 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 0845 603 1 603 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

Twin Front Pocket Rucksack, at Marks n Spencer
Stylish and practical, this nylon rucksack is ideal for business or weekend travel

Pure Cotton Cropped Cargo Trousers, at M & S
A stylish summer staple at home or on holiday. Just add a t-shirt and flip flops

Autograph Pure Cotton Long Sleeve Embellished Top, at Marks & Spenser
The cute embellished design makes this top extra special. It's made from soft cotton and feels comfy to wear. With luxury in every detail, this is part of our exclusive Autograph collection

Corner Grps - N ABB CNR BRONCO, at Mark's & Spencer
Manufacturer: Marks & Spencer

Ingredients Passion Fruit Body Butter, at Marks & Spencer
Passion fruit scented 200ml Ingredients: Aqua, Ethylhexyl Palmitate, PEG-8 Beeswax, Cyclomethicone, Glycerin, Cetearyl Alcohol, Glyceryl Stearate, Theobroma Cacao, Bis PEG-12 Dimethicone Beeswax, Benzyl Alcohol, PEG-100 Stearate, Phenoxyethanol, Xanthan Gum, Parfum, Methylparaben, Disodium EDTA, Hexyl Cinnamal, Tocopherol, Limonene, Linalool, Citrus Aurantium Dulcis, Butylparaben, Sodium Hydroxide, Ethylparaben, Passiflora Edulis (Passion Fruit) Propylene Glycol, Geraniol, Propylparaben, Alcohol Denat., Isobutylparaben Citral, Sodium Benzoate, Sorbic Acid, Barosma Betulina, CI 42090, CI 17200

7 Pairs of FreshFeet Beige Track Design, at Marks and Spencer
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

Per Una Pinstripe Panelled Skirt, at Marks & Spencers
An elegant long length skirt in a soft cotton blend featuring a pinstripe design

High Waist Bootleg Trousers, at Marks & Spencers
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit and a look that's always in style

Linen Blend Buckle Detail Bootleg Trousers, at Mark's & Spencer
Greater choice of leg lengths now available Say goodbye to stuffy formal dressing. Summer suits are light and easy, with relaxed styling to match your mood

Girls' Limited Hello Kitty Hat & Scarf Set, at Marks and Spencer
Snug and cosy, this cute hat and scarf set is a fashionable choice for chilly weather.

Cotton Rich Tartan Shirt & Plain T-Shirt, at Marks & Spencer
This fashionable layered look is a 2 piece set - a t-shirt and shirt both in soft comfortable cotton. Stylish, practical and easycare

Stripy Owl Age 4 Birthday Card, at Mark & Spencers
Cover text: too-wit too-woo happy birthday to you Inside message: With love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future 150 x 150 mm

Cropped Drawstring Waist Beach Trousers, at Mark & Spencers
Stylish and shapely these cropped trousers look chic with wedges, sandals or flat pumps

Lichfield Wardrobe & 2 Bedside Chests Set, at Marks and Spencer
Wardrobe: H209 x W112 x D60cm Bedside chests: H60 x W50 x D50cm Wardrobe has a full length hanging rail and a half length mirror Bedside chests have 3 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 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

Portfolio Knitted Longline Cardigan, at Marks & Spencers
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

Autograph 4 Brush Collection, at Marks & Spensers
Handmade 1x foundation brush 1x blusher brush 1x eye crease brush 1x eyeshadow brush

Pure Wool Fine Stripe Rug, at Mark & Spencers
Rectangle shape Stripe design, Manufacturer: Marks & Spencer

Limited Collection Short Sleeve Leather Jacket, at Marks & Spensers
Get a high fashion look in this luxurious leather jacket with short sleeves and a fuss-free simple design

BT Freestyle 750 Cordless Phone with Answering Machine, at Mark & Spensers
GAP compatible 15 minutes recording time 50 name & number directory 10 number calls list 5 number redial list Low energy power supply and recyclable packaging 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

Sterling Silver Double Oval Earrings, at Marks and Spencer
Hook fastening Double oval design Diamant detail For hygiene reasons, refunds will only be given in accordance with your legal rights

Cream Polka Dot Cake or Favour Boxes, at Marks & Spensers
Contains: 10 cake or favour boxes Flat: 155 x 85 mm Folded: L130 x W80 x D27mm

Organic Château du Parc 2006 - Case of 12, at M+S
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

F400 Pocket Memory Foam Mattress with Coolmax°, at Marks & Spencer
Single (3ft): W90 x L190cm Double (4ft 6in): W135 x L190cm King Size (5ft): W150 x L200cm Super King Size (6ft): W180 x L200cm Mattress depth: 25cm Spring count: 1225 Individually pocketed springs Layer of resilient foam and memory foam and also polyester fibre Foam layers encourage air circulation Two rows of hand side-stitching give edge-to-edge support Quality Belgian fabric for added durability Coolmax stretch knit cover helps regulate body temperature and adds a soft feel Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support Anti-allergy protected for the life of the mattress Does not require turning Manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Pure Cotton 'I'm a little cuddly cutie' Top, at Marks and Spenser
Cute and practical, this top is outstanding value. The pure soft cotton will keep her happy and comfy

Per Una Cotton Rich Cropped Jeans, at Marks and Spencer
A stylish cropped pair of jeans in stretch cotton featuring a slit side hem. Comes with a silver plaited belt, making it extra stylish

5 Real Cool Cotton™ Bathing Belles Shorts, at M&S
These assorted low rise shorts are made from RealCool Cotton™, an innovative high performance cotton fabric which keeps you cool, dry and comfortable

2 Classic Underwired Bra, at Marks & Spensers
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

Weekend Collection Leather Bag, at Marks and Spenser
This season, get away in style with this colourful leather holdall, just the right size for a weekend break

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks and Spencer once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Mark & Spencers, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Buildings Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.