There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks and Spencer Standard Car Insurance. With Marks & Spencer Money 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 Marks & Spencer Money, 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.

Marks & Spencer Money offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately Marks & Spencer Money Car Insurance is not like that at all, and when you compare M&S Car 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 Car Insurance (correct at May 2009), which are quite often not included with comparable Car Insurance plans from companies such as Direct Line, Sainsburys, or Tesco's:

• 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 Car 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 Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.

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 & Spenser are so useful. Marks & Spencer Money financial products are, of course, designed to make Marks n Spencer 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 & Spencer 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 & Spencer Money Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

Per Una Cotton Rich Bootleg Jeans, at M & S
A smart pair of bootleg jeans in stretch cotton featuring twin front and rear pockets

Per Una Faux Snake Skin Satchel Bag, at Marks & Spencers
A bold buckle makes this fashionable faux snake skin satchel bag even more special. Give your look the Per Una twist!

Classic Collection Knitted Cut Work Cardigan, at Mark's & Spencer
Soft and comfortable, this cut work detail cardigan is ideal when you need a light extra layer. The colour complements the rest of this season's Classic collection, making it easy to coordinate outfits

Maternity Pure Cotton 3/4 Sleeve Blouse, at Marks and Spencer
Pretty and feminine, this 3/4 sleeve blouse is designed to flatter you and your bump. A drawstring waist gives a neat, comfortable fit with room for growth. An essential fashion favourite

Pure Cotton Combat Trousers with Belt, at Marks & Spencer
Sporty and stylish, these pure cotton combats are a practical easycare choice

Long Sleeve Stripe Oblong Cardigan, at Mark's & Spencer
Elegant and feminine, this oblong cardigan is made with comfortable breathable cotton. A modern style essential

Marble Collection Soap Dish, at Marks & Spencer
3 drain holes Curved edges H14 x W8.5cm, Manufacturer: Marks & Spencer

Per Una Pure Cotton Pleated Collar Mac with Belt, at Marks & Spencers
A fashionable single breasted mac in pure soft cotton, featuring a pleated collar and waist tie belt

Artificial Orchid in Crackle Vase, at Marks & Spensers
Artificial orchid Ceramic crackle vase Height: 78cm, Manufacturer: Marks & Spencer

Ceriso Frill Fan Print Shorts, at M & S
Flirty and fashionable, these modern shorts feature a fan print and a lace and ribbon trim

4 Stripe Stacking Mugs, at M & S
Pack of 4 mugs Stacking stand Hand painted stripe design Height: 23cm, Manufacturer: Marks & Spencer

Sonoma Dark Extending Table & 6 Chairs Set, at Marks & Spenser
7 piece set Table: H76 x L180 x W100cm (extends to L230cm) Extendable table with centre leaf that can be stored beneath tabletop Seats 6-8 people Chair: H86 x W48 x D54cm Seat: H48cm Leather padded seats Made from solid oak and oak veneer Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Chairs made from solid wood Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength Legs made from solid hardwood 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

Per Una Pure Cotton Spot Print Pyjamas, at Marks&Spencer
Modern and feminine, these pretty pyjamas are made from soft cotton so you can relax in comfort and style. Part of Per Una's sleepwear collection

Mixed Panel Textured Skirt, at M & S
Elegant and feminine, this flared skirt features a mixed panel design. Stylish, practical and fashionable

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

Pure Cotton Spot Print Mock Layer Top, at Marks and Spencer
Cute and comfy, this pure cotton spot print top is outstanding value!

Pure Cotton Short Sleeve T-Shirt, at Marks and Spencer
Smart and stylish, this short sleeve t-shirt is made from cool comfortable cotton and features a front zip detail

Sister Foil Presents Birthday Card, at Mark's & Spencer
Cover text: To my sister Happy birthday Inside message: Blank for your own message Approx size: 150 x 150mm

Rustic Flowers Multipack of Mini Cards, at Marks n Spencer
Cover text: 2 x blank and 2 x thank you Inside message: blank for your own message 8 cards, 4 designs Approx size: 95 x 80mm

Pure Cotton Easy Iron Fine Stripe Long Sleeve Shirt, at Marks and Spencers
Woven in pure cotton fabric, long sleeves and double button cuffs add a smart focus to your office look. A practical and convenient choice for everyday wear

Unforgettable Walks to Take Before You Die, at Marks and Spencer
Unforgettable Walks to Take Before You Die is the fifth title in an exciting series of books that will help you search out essential sights and experiences around the world. Photographers and writers Steve Watkins and Clare Jones draw on their years of international travel experience in selecting thirty of the world's most inspiring, spectacular and beautiful walks, each of which can be done within the space of a two-week break. Their choices include a wide range of locations, from urban walking tours along Boston's Freedom Trail and the stunning temples of Kyoto, to the open countryside of the Yellowstone National Park in the USA and Peru's Inca Trail. There are leisurely jaunts, such as Frank Lloyd Wright's Fallingwater property and a stroll around the picturesque canals of Amsterdam, as well as a few demanding walks, such as the Alpine Tour du Mont Blanc and China's Tiger Leaping Gorge trek, for those who like a challenge.

Sprung-Edge Divan with 4 Large Drawers & F100 Mattress, at Mark & Spensers
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190cm King Size Mattress (5ft): W150 x L200cm Single Divan (3ft): W90 x L190cm Double Divan (4ft 6in): W135 x L190cm King Size Divan (5ft): W150 x L200cm Mattress depth: 24cm Divan height: 41cm Large Drawer: H14 x W78 x D52cm, Small Drawer: H14 x W40 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table Open coil mattresses provide a hard-wearing and supportive background Sprung-edge divan - Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are 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

Build Your Own 3D Dinosaur, at Marks & Spencer
Suitable for ages 3-6 years 32 piece puzzle 3D design with moving joints T. rex dinosaur design Brings imaginative play and hand-eye coordination This product conforms to the EN71 and the Toy Safety Directive 300 x 410 x 130mm, Manufacturer: Marks & Spencer

Younger Boys' Pure Cotton Mr Happy Hooded Poncho, at Marks & Spencer
He'll have fun dressing up in this hooded Mr Happy costume poncho

Collezione Gradient Stripe Tie, at Marks and Spencers
Stylish and luxurious, this pure silk tie is part of Collezione, a sophisticated menswear collection inspired by Italian tailoring

Ruched Embroidered Cushion, at Marks and Spencers
Square shape Embroidered design Ruched feature Lined L43cm x W43cm, Manufacturer: Marks & Spencer

Per Una Knee Length Sunset Stripe Skirt, at Marks and Spenser
A stylish knee length skirt in soft fabric featuring a sunset stripe design. Wide tie waist feature gives it the Per Una touch

Ruched V-Neck Knitted Tank Jumper, at Mark & Spencers
Modern and stylish, this jumper features a v-neck. Ideal for layering

Compton Console Table, at M & S
H73 x W120 x D40 2 drawers 1 fixed shelf 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 Solid hardwood doors Handles made of solid antiqued brass Side panels, door panels, back panels made from oak veneer. Top panels made from oak veneer with a 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 manufacturer's instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Relaxed Pure Cotton V-Neck Pyjama T-Shirt, at M&S
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

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 Spencers 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 Marks & Spenser, through its Marks & Spencer Money 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.