There are lots of ways to save money using M&S Money Direct. Not least of these is MarksandSpencer Standard Motor Insurance. With M&S Money Direct 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 Direct, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & Spenser, 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 Financial Services, you get more, and you pay less.

Besides Marks and Spencers Motor Insurance, M&S Money Direct Credit Cards and other financial products, M&S Money Direct Buildings & Contents 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 Buildings & Contents Insurance and Standard Buildings & Contents 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.

M&S Money Direct 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 Direct 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 & Spenser 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 Direct UK and European Breakdown Cover, since it covers you as a passenger too.

Silver Plated Rameses Abalone Earrings, at Marks&Spencer
Hook fastening Drop style Abalone pendant For hygiene reasons, refunds will only be given in accordance with your legal rights

Airflex™ Leather Saddle Moccasin Shoes, at M & S
Round toe Stitch detail Slip-on Low block heel Unique Airflex™ airflow system for unbeatable comfort

Beaded Round Tablemat, at Marks and Spencers
Round shape Beaded design Diameter: 32 cm, Manufacturer: Marks & Spencer

Signature Ginger Lily Refresher Oil, at M&S
Ginger lily fragrance 15ml Can also be used as a burner oil, Manufacturer: Marks & Spencer

Relaxed Pure Cotton V-Neck Pyjama T-Shirt, at Mark's & Spencer
Soft and comfortable, this cotton pyjama t-shirt can be worn with a number of our pyjama bottoms and shorts to create your own style

2 Mini Limited Cotton Rich Plain & Animal Print Leggings, at Marks & Spensers
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering

Ceriso Silk Blend Spot Print Padded Bra, at Marks&Spencer
Flirty and fashionable, this glamorous bra is made from silk mix fabric with a spot print, finished with a lace trim. It's underwired for extra support and the padded plunge style gives a fabulous enhanced cleavage. Designed for women who want the latest look

M&S Combination DAB Digital Radio, at Marks and Spencer
Access over 8000 radio stations worldwide built-in WiFi 24 station presets (8 DAB / 8 FM / 8 internet) Podcast and listen again service compatible with media streaming of MP3/WMA & real audio file Alarm functionality, snooze button, headphone port, automatic scanning, firmware upgradeable and mains operated Stereo digital radio with 802.11b/g WiFi network, full Band III DAB and FM reception Frequency ranges: 802.11b/g, Band III 174-240 MHz, FM 87.5-108 MHz WiFi (802.11b/g) security: WEP, TKIP, WPA, WPA2 WiFi audio files format support: MP3, WMA, Real Audio Speakers: full-range 3" drive unit Input connectors: 9V DC power adaptor socket (230V supplied) Output connectors: 3.5mm headphone, 3.5mm line out (analogue) LCD display: 2X16 character Type LCD display Mains power supply: 230V AC to 9V DC external power adaptor Aerial: captive telescopic aerial Dimensions (mm): 115mm high x 275mm wide x 65mm deep 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

Freshfeet Zig-Zag Tramline Full Cut Slippers, at Marks & Spenser
Practical, comfortable and stylish, these innovative slippers are made with Freshtech™ technology. They keep feet fresh by combating the bacteria that cause odours. The technology is built into the slippers so they perform effectively wash after wash

Autograph Pure Cotton Bootleg Jeans, at Mark & Spensers
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

Peppa Pig Wrap Pack, at Mark's & Spencer
2 sheets, 2 tags Each sheet: 495 x 695 mm Tags: 80 x 55 mm (folded)

Limited Collection Bow Detail Faux Pearl Long Necklace, at Marks and Spencers
Clasp fastening Adjustable length Faux pearl design Bow detail Necklace length 107cm, extendable by 8cm

Younger Girls' Bow Bar Permair™ School Shoes, at M&S
Round toe Bow feature Single ankle strap with rip tape fastening Flat sole Scallop trim Scuff Resistant Permair™ micro porous coating makes the shoes scuff- and water-resistant and easy to clean, while allowing feet to breathe

Stainless Steel Slotted Spoon, at Marks and Spenser
Cut-out slot design Loop in the handle for hanging L34.5cm, Manufacturer: Marks & Spencer

2 Younger Girls' Pure Cotton Heart & Star Print Pyjamas, at Marks & Spensers
Fun and fashionable, this pack of 2 pyjamas is made from soft breathable cotton

Autograph Exclusive Sea Island Cotton Briefs, at Mark's & Spencer
Grown form the world's rarest variety of cotton, Sea Island Cotton flourishes exclusively in the perfect climatic conditions of the West Indies. Hand-picked and gently processed, the extraordinarily long fibres - up to 52mm - are woven into a cotton fabric that boasts the remarkable softness of cashmere and the superior durability of wool

Long Sleeve Tie Waist Dressing Gown, at Mark & Spencers
Soft and stylish, this cosy dressing gown is made from soft fleece so you can snuggle up in style and comfort. Available in 2 lengths

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

Per Una Ditsy Floral Print Dress, at Marks & Spencer
A fresh sleeveless dress featuring a floral print, finished with a frill neckline

Riptape Stitch Sandals, at Marks & Spensers
Fashionable and comfortable, these lightweight leather sandals make a great choice for relaxed style in the sun, at home or on holiday

Cars DVD, at Marks & Spencer
Rating Universal, suitable for all,

Autograph Leather Trim Court Shoes, at Marks and Spencers
Pointed toe Slip-on Buckle feature Contrast trim High heel

Pure Cotton Long Sleeve Check Shirt, at Marks & Spencer
Casual and contemporary, this long sleeve shirt is made from pure soft cotton. The open neck Nehru collar adds a fashionable finishing touch

Single Breasted Pinstripe One Button Jacket, at Marks and Spencer
Chic and stylish, this pinstripe jacket is tailored to fit and flatter. A great choice for work or smart occasions and it's machine washable for added convenience

3 Younger Boys' Autograph Cotton Rich Assorted Robot Trunks, at Marks & Spensers
Comfortable, practical and fashionable, this 3 pack of assorted robot trunks is made from soft breathable cotton

Limited Collection Cotton Rich Pindot Shorts, at M & S
Fabulous and modern, these shorts are part of our Limited Collection lingerie. Theyre made from soft stretch cotton and designed to fit and flatter. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Pure Cotton Short Sleeve Snoopy T-Shirt, at Marks & Spensers
Fans of Snoopy™ will love this pure cotton short sleeve t-shirt featuring the popular character. A practical, easycare style

Autograph Essentials Ponte Wide Leg Trousers, at Marks and Spencer
Part of Autograph Essentials - a collection of luxurious and timeless wardrobe must-haves featuring premium design and sophisticated styling

Cream Aluminium Frying Pan, at Marks & Spencer
Diam: 24cm Non-stick coating, Manufacturer: Marks & Spencer

Per Una 3/4 Sleeve Knitted Top, at Marks and Spencers
Comes with the necklece shown A fashionable 3/4 sleeve knitted top featuring lace trim

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

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