There are lots of ways to save money using M+S Money. Not least of these is Marks & Spenser Standard Car Insurance. With M+S 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 M+S 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, you get more, and you pay less.

Shopping for financial products at M+S Money UK website is just as simple as shopping for fashion or furniture at the Mark & Spensers online store. Here are just some of the financial products which can be purchased via the M+S Money website:

• M&S Insurance: M&S Car 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 & Spensers, it's easy to see that these are good financial products, at value-for-money prices.

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

M+S 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 M+S 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 & Spenser 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, Sainsbury's, or Tescos:

• 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 M+S Money UK and European Breakdown Cover, since it covers you as a passenger too.

Per Una Silk Blend Rosa Knitted Top with Linen, at Marks & Spencer
A stylish 3/4 sleeve top featuring a scoop neck with fluted cuffs and hem. Comes with necklace shown

125 Years Frill Trim Halterneck Swimsuit, at Marks and Spenser
Part of the Commemorative Collection. These exclusive garments have been inspired by some of the beautiful pieces in our archive and reference the iconic decades of the 20th century. Retro styling has been given a contemporary twist for the modern day

Butterflies on Spots and Stripes Hand Finished, at Marks and Spencer
Cover Text: Both designs: blank Inside Message: Both designs: blank for your own message Pack Contains: 6 cards, 2 designs Approx. Size: 200 mm x 80 mm

Non-Padded Lace Embellished Bra, at Marks and Spencers
Soft and comfortable, this lace embellished bra is ideal for everyday wear. It's underwired and shaped for an uplifted natural look

Blue Energy Shower Gel, at Marks & Spencer
200ml

The Floral Collection Magnolia Moisturising Hand & Body Lotion, at Marks&Spencer
Hand and body moisturising lotion 250 ml

Bude 12-Piece Dinner Set, at Mark's & Spencer
Includes 4 dinner plates, 4 side plates and 4 cereal bowls Ridge design Dinner plate: Diam 28cm Side plate: Diam 22.5cm Cereal bowl: Diam 15cm, Manufacturer: Marks & Spencer

Brow Bar Sunglasses, at Marks and Spencers
With full UV protection and a flattering modern design, these smart sunglasses will see you through the summer in style

Cartoon Dog Vroom, Vroom Birthday Card, at Marks & Spensers
Cover text: Vroom, vroom Inside message: King of the road This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 178 x 126mm

Cotton Rich Short Sleeve Stripe Shirt, at Marks & Spencers
A chic and stylish essential, this shirt features a fine stripe design. It works for day and evening, dressed up or down

Leisure Drawstring Joggers, at Marks and Spencer
With added stretch for essential ease of movement, these comfy and practical cotton rich joggers are great for workouts or stylish relaxation

Unforgettable Things to Do Before You Die, at Marks & Spencers
Following the success of "Unforgettable Places to See Before You Die", this is the second title in an exciting new series of books that will help you search out essential sights and experiences around the world. In "Unforgettable Things to Do Before You Die", international travel writers and photographers Steve Watkins and Clare Jones draw on their years of experience to select forty of their favourite trips of a lifetime. This book isn't a travel guide, nor is it definitive, but it will introduce you to a host of unusual and amazing activities to be done in fabulous destinations during a break of two weeks or less.

Long Faux Pearl Necklace, at Mark & Spensers
Long chain Clasp fastening Mixed faux pearls Necklace length 40cm

Cotton Rich V-Neck Jumper, at Marks & Spencer
Smart and comfortable, this V-neck jumper is outstanding value. It's made from soft cotton with added stretch for improved fit, comfort and shape retention

Classic Collection Palm Print Top, at MarksandSpencer
Feminine and pretty, this floral print top will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

Pure Cotton Stripe Short Sleeve T-Shirt, at Marks & Spensers
A practical, casual top in pure cotton featuring a stripe design. A great value easycare style

The Floral Collection Iris Moisture Rich Hand Wash, at Marks & Spencers
Handwash Moisture rich 250ml

Blue Harbour Heritage Pure Cotton Denim Shirt, at Mark & Spensers
Relaxed and stylish, this denim shirt is made from pure cotton so it feels soft and comfortable to wear

Radiance Gift Bag, at Mark's & Spencer
This stylish gift bag, bursting with gerberas, will add a splash of colour to any room Available for delivery from 1st April to 30th September 2009

Adored Jacquard Lace DD-G Underwired Bra, at MarksandSpencer
Delicate and pretty, this jacquard lace bra is made from the softest fabric and trims so it's blissfully comfortable to wear. It's underwired and structured to give fuller busts great support and a natural uplifted shape. Feminine everyday lingerie

3/4 Sleeve Front Tie Mock Layer Top, at Marks and Spencers
It looks like a vest and a top, but this fashionable mock layered design is just one piece. The stripe print adds a stylish touch.

Per Una 3/4 Sleeve Waterfall Stripe Top, at Marks and Spencer
A feminine 3/4 sleeve top featuring a gorgeous stripe print, the waterfall design makes it extra stylish

Chuggington Actions Book, at Marks&Spencer
Chuggington fans will love this fun book. It's filled with great stories featuring Chuggington Action

Formula Skin Care for Men Gift Pack, at Marks & Spencer
Includes: Face wash 40ml Eye reviver 15ml 24 hour moisturiser 40ml

Compact Plain Umbrella, at Marks & Spenser
Smart and easy to carry, the practical design of this handy umbrella is the perfect solution for dealing with sudden downpours

The Floral Collection Rose Mini Gift Set, at Marks & Spencer
Rose fragrance Moisturising hand and body lotion 50ml ingredients: Aqua, Glycerin, Paraffinum Liquidum, Cetearyl Alcohol. Petrolatum, Glyceryl Stearate, Parfum, Rosa Centifolia (Rose), Polysorbate 60, PEG-100 Stearate, Isopropyl Palmitate, Dimethicone, Panthenol, Disodium EDTA, Imidazolidinyl Urea, Methylparaben, Acrylates/C10-30 Alkyl Acrylate Crosspolymer, Triethanolamine, Propylparaben, Xanthan Gum, Benzyl Salicylate, Citronellol, Linalool, Alpha-Isomethyl Ionone, Geraniol, Phenoxyethanol, Isobutylparaben, Ethylparaben, Butylparaben Guest soap 25g ingredients: Sodium Palmate, Sodium Palm Kernelate, Aqua, Parfum, Rosa Centifolia (Rose), Tetrasodium EDTA, Glycerin, Sodium Chloride, Benzyl Salicylate, Glyceryl Ricinoleate, Titanium Dioxide, Citronellol, Linalool, Alpha-Isomethyl Ionone, Tetrasodium Etidronate, Disodium Phosphonate, Phenoxyethanol, Methylparaben, Butylparaben, Isobutylparaben, Propylparaben, Ethylparaben Moisture rich hand wash 50ml ingredients: Aqua, Sodium Laureth Sulfate, Glycerin, Ammonium Lauryl Sulfate, Lauryl Betaine, Cocamide DEA, Sodium Chloride, Peg-70 Mango Glycerides, Disodium EDTA, Parfum, Benzophenone-2, BHT, Imidazolidnyl Urea, Citric Acid, Magnesium Nitrate, Methlchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, Rosa Centifolia (Rose), Phenoxyethanol, Methylparaben, Butylparaben, Ethylparaben, Isobutylparaben, Propylparaben, Benzyl Salicylate, Citronellol, CI 17200, CI 1470

Essentials Maxi Tea Light Pack, at Mark & Spencers
Pack of 10 Non-fragranced Plain This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Silicone Nipple Covers, at Mark & Spensers
There are some clothes that simply don't work with a bra. These secure and effective nipple covers make the perfect solution

Leather Crocodile Belt, at Mark's & Spencer
Define your waistline with this fashionable crocodile finish waist belt

Baby Brothers Mix - Case of 12, at Marks & Spencers
3 Chardonnay VdP Cteaux de Tannay 2008: Showing all the crunchy green apple fruit, citric acidity and pebbly minerality youd expect of a decent Chablis, this is a vibrant and characterful Chardonnay... 3 Sauvignon Blanc VdP Val de Loire 2008: Flavours of ripe apricot and dried herbs are matched by juicy acidity and a classic note of wet stone in this expressive and engaging unoaked dry white... 3 Ctes du Rhne Les Closiers 2007: This full-bodied yet elegant red has firm tannins, engaging flavours of ripe plum and cherry fruit, together with a gentle, spicy persistence... 3 Bordeaux 2006: With its engaging flavours of ripe damson fruit, caramel and grilled herbs, this is an elegant and classic Merlot-based Bordeaux blend... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

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 Spencer are so useful. M+S 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 & Contents Insurance policies. Usually, UK Buildings & Contents 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 Money Buildings & Contents 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 Money Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.