There are lots of ways to save money using M&S Money Direct. Not least of these is Marks and Spencer 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 and 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 Marks & Spencers Money, you get more, and you pay less.

M&S Money Direct Insurance: There are, quite literally, hundreds of companies in the UK from whom you can purchase insurance. Whether you're looking for the best deal on Motor Insurance, buildings and contents insurance, or even wedding insurance, it doesn't take long to find a company that will sell you a policy.

However, not all insurance companies, and certainly not all insurance policies, are the same. What may be standard on one insurance policy may be an optional extra on another, for instance; Motor Insurance and Buildings Insurance are especially like this.

For example, most home and contents insurance policies either ask you to provide the total cost of rebuilding your home plus the total value of your home contents, or they will set an upper limit. This may seem fine at the time, but, in the event of a claim on your Buildings Insurance policy, the values act as maximum limits, and so you may, in effect, be under-insured and not receive the full value of your insurance claim.

Fortunately, M&S Money Direct Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

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 Marks and Spenser, through its M&S Money Direct website, offer a range of financial products which would not look out of place in many banks, including M&S Motor 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.

Extra High Impact Underwired Sports Bra, at Marks & Spencer
Offering the superior support and control you need for those high energy workouts. This extra high impact sports bra sets the pace for essential comfort thanks to an easycare fabric and the shape retaining qualities of added stretch

Indian Summer Collection - Pink Hurricane Lamp, at Marks and Spencer
W17 x D17 x H22.5cm Frosted baroque design Coloured glass Comes with candle and sand Burning time: Approx 65 hours Hand decorated, Manufacturer: Marks & Spencer

Dualit Hand Blender with Accessories - Cream, at Marks & Spensers
500 watt motor Pulse plus button - 17000rpm Variable speed control - 9000 to 16000rpm Dishwasher safe functional parts Easy grip soft touch handle Two gear boxes Stainless steel, longlife blades Dualit moulded Plug Detachable blending stick for easy cleaning Accessories include: Chrome plated beaters, stainless steel whisk, stainless steel 500ml capacity beaker with stay fresh lid, mini chopping bowl Dimensions: H38cm 500 ml capacity jug 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

Autograph Weekend Cotton Rich Kickflare Jeans, at Marks and Spencer
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Pure Cotton 'Ben 10' T-Shirt, at Marks & Spencer
Fans of Ben 10 will love this short sleeve t-shirt featuring the popular character. A practical, easycare style

Pure Cotton Spot Print Cropped Pyjama Bottoms, at M&S
Pretty and feminine, these spot design pyjama bottoms are made from soft breathable cotton for a comfortable night's sleep

Kaspersky Anti-Virus 2009 1 User 1 Year License, at Marks and Spencers
Data and Identity Theft Protection: Disables links to phishing websites Essential Protection: Protects from viruses, Trojans and worms, Protects from spyware and adware, Scans files, email messages and Internet traffic, Protects instant messengers (ICQ, MSN), Proactive protection from unknown threats Preventive Protection: Scans operating system and installed applications for vulnerabilities, Disables links to malware sites Usability: Automatic configuration, Wizards for common tasks, Automatic or interactive mode, Round-the-clock technical support, Automatic database updates, Global threat monitoring (Kaspersky Security Network) Advanced Protection & Recovery: Program can be installed on infected computers, Self-protection from malware, Restores correct system settings after removing malicious software Suitable for 1 user for 1 year

Sonoma Headboard, at Marks & Spencers
H62 x L114 x W150cm Mattress and divan sold separately Headboard H62cm Double: W137cm King size 5ft: W150cm Supplied with fittings Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Side and back made from White Oak veneer Top panel is veneered with solid Oak edging for strength Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself 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

T-Bar Sunglasses, at Marks and Spencer
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Classic Collection Pure Cotton Short Sleeve Jersey Top, at Marks and Spenser
Modern and stylish, this versatile top is made from soft easycare fabric and features a scarf neck design. A fashionable style with a comfortable, flattering fit

Grace Side Plate, at Marks and Spencer
Diam: 20.5cm Round Single stripe trim Leaf design Fine China, Manufacturer: Marks & Spencer

Chunky Weave Throw, at Marks and Spencer
Plain design Tasselled L200xW150cm, Manufacturer: Marks & Spencer

Older Boys' Linen Blend Cargo Trousers, at Mark's & Spencer
Relaxed and comfortable, these loose fit cotton blend cargos feature multi pockets. A practical easycare style

Younger Girls' Bird Print Slippers, at Marks & Spencer
Round toe Bird print Single strap Bow detail Spot lining Flat sole

25 Sweet Bergamot Room Scenters, at Marks & Spencer
25 candles Sweet scented fragrance Burns up to 4 hours, Manufacturer: Marks & Spencer

Pop-Up Laundry Bin, at Marks & Spenser
Pop-up feature H60 x W33cm x Diam 33cm, Manufacturer: Marks & Spencer

Adored Low Rise Floral Embroidered Shorts, at Marks and Spencer
Pretty and elegant, these embroidered shorts are made from the softest fabric and trims, so they feel blissfully comfortable to wear. The modern shorts style gives a flattering shapely fit. Feminine everyday lingerie

Maxim Casserole Dish, at Mark's & Spencer
Removable lid with small handle Height 10cm Diameter 25.5cm, Manufacturer: Marks & Spencer

Perfect Canoe Boat Shoes, at Marks & Spencers
Round toe Stitch detail Lace up Lace stitch design

Perfection 100ml Eau de Toilette, at Marks & Spencers
100ml This product is not available for international delivery. Find out more

Autograph Long Sleeve Sequin Panel Top, at Marks & Spencers
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

Knappstein Ackland Vineyard Riesling 2008 - Case of 6, at Marks and Spencers
Style: Dry Country of origin: Australia Closure: Screw cap Suitable for vegetarians 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

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

Padded Walking Boot Socks with Silver Technology, at Marks and Spencer
These comfortable cushioned walking socks are specially designed to prevent blistering and protect feet from impact

0 - 3 Brights - MAG/MIRROR LAPTOP, at Marks and Spenser
Manufacturer: Marks & Spencer

Per Una Eyeliner Pen, at Marks and Spenser
Liquid eyeliner pen Hypo-allergenic Felt Liner eye pen

Widefit Chunky Trim Square Toe Loafer, at Marks & Spencer
Contemporary, comfortable and practical, these leather mix shoes are designed in a fashionable style. A great choice for work or smart wear

Hepworth Media Unit, at Marks and Spencer
H51 x L108 x W48cm Top: H15 x W47 x D43cm Bottom: H13 x W47 x D46cm 4 drawers and 2 glass shelves Metal Brass detailing on corners, feet and handles Made from European solid birch and birch veneer Treated with a rich stain and aged with dark patina known as a 'housemaid's rub' Finished with 2 coats of durable, clear lacquer of mid sheen Drawer boxes made from solid European Birch. Drawers made from veneers Legs mad from European solid birch Handles made of solid antiqued brass Side panels and back panels are veneered. Top panel is veneered with solid birch 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

Collezione Exclusive Apron Lace-Up Shoes, at Mark's & Spencer
Round toe Lace-up Apron design Stitch detail Block heel

100 Fairtrade Cotton Pads, at Marks & Spencer
Contains: 100 double sided Fairtrade Cotton pads Click here to view a video about Fairtrade Cotton

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