There are lots of ways to save money using M&S Finance. Not least of these is Marks & Spencers Standard Motor Insurance. With M&S Finance 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 Finance, 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 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 Motor Insurance from M&S Financial Services, you get more, and you pay less.

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

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Motor Insurance, but Marks & Spencer do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M&S Finance website. With a simple, no-hassle service, you can compare features between a number of M+S Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Finance loans, credit cards or Buildings Insurance - besides a number of other insurance products, M&S Finance can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Finance insurance products (Buildings Insurance, Motor Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Marks and Spencer insurance products in document format too.

Per Una 3/4 Sleeve Fluffy Cardigan with Wool, at Marks and Spencer
A fashionable 3/4 sleeve fluffy cardigan in textured fabric. Assorted buttons make it extra stylish

I love Spice Book, at Marks and Spenser
Over 100 recipes for people who like it hot! Each illustrated with a beautiful colour photograph of the finished dish

Stormwear™ Long Sleeve Hooded Parka, at Marks&Spencer
Fashionable and practical, this cosy jacket is warmly padded and lined with fleece. It's treated with our unique Stormwear™ technology which repels water and stains. Storm cuffs help keep arms warm and hold on gloves

Perfect Scorpius Hard Large Rollercase, at Mark & Spensers
Strong yet lightweight, this stylish luggage has 4 wheels for maximum manoeuvrability, a fixed combination lock, telescopic handle and fully lined interiors. There's a free 5 year guarantee, too

5 Younger Girls' Pure Cotton Assorted Cupcake Briefs, at Marks and Spencers
Cute and trendy, this 5 pack of cotton briefs feature assorted cupcake designs

Dogtooth Check Jacket, at Marks and Spenser
Smart and stylish, this dogtooth jacket is tailored to fit and flatter. A great choice for work

Elasticated Check Belt, at M & S
Define your waistline with this fashionable check belt

Autograph Flat Front Black Stripe Trousers, at Marks and Spencer
Our Autograph suits are made from finer fabrics with superior attention to detail, giving you the ultimate in sharp, sophisticated style

Dressing up Butterfly Age 3 Card, at Marks n Spencer
Cover text: Happy Birthday Inside message: Have a lovely day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future. Approx size: 150 x 150mm

Autograph Cotton Rich Knitted Dress and Tights Outfit, at Marks n Spencer
Practical and pretty, this cute knitted dress and tights 2 piece outfit is made from soft cotton to keep her feeling comfy and happy

Classic Thinking of You Card, at Marks & Spencers
Cover text: Thinking of You Inside message: During this difficult time Approx size: 175 x 127mm

Cotton Rich Ribbed Waist Trousers, at Marks and Spencer
Casual and comfortable, these easycare cotton rich trousers make a fashionable and practical choice

Pure New Wool Plain Polo Neck Jumper, at Mark's & Spencer
Made from pure lambswool, this roll neck jumper is irresistibly soft and cosy

Viva Nest of Tables, at Marks n Spencer
H47 x W51 x D40cm (Largest table) Set of 2 tables Made from steel with a nickel finish Shelves are made from safety-tested toughened glass Delivered flatpack due to size. Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton Stripe Broderie Trim Top, at Marks and Spencer
This short sleeved top will make a useful addition to your wardrobe. It features pretty broderie trim details for a stylish casual look

5 Pairs of Older Girls' Spot & Stripe Trainer Liners, at M+S
The spot and stripe design adds a stylish, fun touch to these comfortable cotton rich trainer liners

Jacquard Guipure Non-Padded Underwired Minimiser Bra, at Marks and Spencer
Soft and comfortable, this minimiser bra de-emphasises your bust with gentle shaping. A flattering, supportive style

Autograph White Hungarian Goose Down Duvet - 13.5 Tog, at Marks & Spencers
13.5 tog Suitable for cooler months or colder rooms or those who prefer a warm, snug duvet Highest quality class 1 Hungarian goose down Large down clusters within a multi-pocket construction - provides warmth without weight Each pocket is individually filled ensuring even down distribution 100% cotton outer cover - 300 thread count downproof cover Which tog? Tog measures the warmth of a duvet based on its ability to trap warm air. The higher the tog rating, the warmer the duvet. The perfect tog is a personal choice which can depend upon you and your home, Manufacturer: Marks & Spencer

Cheeky Monkey Mirror Card, at Marks and Spenser
Cover text: Happy birthday, Thought you'd like a card with a cheeky little monkey on it... Inside message: So here you are! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 215 x 150mm

Per Una Stripe Wide Leg Trousers, at Marks & Spencer
A beautiful pair of straight leg trousers in a linen blend with a double waistband and twin button feature

Open Coil Sprung Nursery Mattress, at Marks and Spencer
L140 x W70 x D15cm Spring count: 90 Open coil sprung for extra support Cot bed not included Hygienic, moisture-resistant covering Suitable for the feet-to-foot sleeping position recommended by health professionals Fully conformed to current safety standards Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Anthony Bear Have Fun Birthday Card, at Mark's & Spencer
Cover text: Have Fun! It's Your Birthday! Inside message: Have a great time! Approx size: 174 x 126mm

5 Low Rise Assorted Lace Thongs, at Marks & Spensers
These lace front thongs are comfortable, flattering and perfect for avoiding visible lines under tight-fitting clothing

Single Glasses - MAXIM WINE SGL, at Marks and Spenser
This eye-catching wine glass combines an elegant, simple stem with a burst of colour on the body

M&S Ruby & Midnight 2-Slice Toaster - Red, at M & S
Polished red and stainless steel finish 7 browning levels Defrost and reheat setting Cancel setting Removable crumb tray for simple cleaning Anti-slip base

Signature Natural Cotton Scented Inclusion Candle, at M&S
Natural cotton fragrance Comes with a flower detail glass holder, Manufacturer: Marks & Spencer

Wool Rich Single Breasted 3 Button Jacket, at Marks & Spensers
Smart and contemporary, this suit is made from a special wool rich fabric for extra strength, comfort and durability

Autograph Leather Seam Biker Jacket, at Marks and Spenser
Biker jackets are a key look this season, and this leather style makes a fashionable choice

The Floral Collection Rose Hand & Nail Cream, at Marks & Spensers
Rose fragrance Moisturising 100ml

Gold Plated Catseye Stud Earrings, at Marks & Spencers
Catseye design Butterfly fastening For hygiene reasons, refunds will only be given in accordance with your legal rights

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 Spencer, through its M&S Finance 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.