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

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 & 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 & Spencers, through its M+S 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 Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

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

Autograph Weekend Cotton Rich Kickflare Jeans, at Marks & Spencer
These Autograph Weekend kickflare jeans are cut for a fabulously flattering look. This contemporary style is essential for an effortless weekend wardrobe. Added stretch ensures a comfortable fit

3 Cool & Fresh Cotton Rich Assorted Trunks, at Mark & Spencers
Made from soft breathable cotton, these comfy trunks are ideal for everyday wear.

Luxury Pure Cotton Long Sleeve E-Stripe Shirt, at Marks & Spenser
The superior quality, cut and detailing on this luxurious pure cotton shirt are inspired by Jermyn Street tailors. A sophisticated style with a great fit

Pocket Size Sticker Book, at Marks & Spencers
This pocket sized book will keep them busy as they look for an incredible 1000 stickers inside! Locate the 1000 stickers and fit into the right slots on various different themes

3/4 Sleeve Ruffle Henley Neck Jumper, at Marks & Spencer
Elegant and stylish, this jumper features a ruffle neckline detail. A smart modern look

Younger Girls' Permair™ Flower Embroidered School Shoes, at Mark & Spensers
Round toe Floral embroidered detail Ankle strap with riptape fastening Scuff resistant toes Flat sole Permair™ micro porous coating makes the shoes scuff- and water-resistant and easy to clean, while allowing feet to breathe

2 Assorted Underwired T-Shirt Bras, at Marks & Spencer
Smooth and versatile, this pack of 2 t-shirt bras is great value. They're designed to give gentle support and a flattering fit

Laser Cut Church Confirmation Card, at Marks and Spencer
Cover Text: Special wishes on your Confirmation Inside Message: Blank for your own message Approx Size: 174 mm x 126 mm

Edmonton Extra Large 2-Seater Sofa, at Marks & Spensers
H92 x W203 x D98cm Seat H48cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish All of our fabrics are treated with Stain-Defence& trade; - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Collezione Cotton Rich Single Breasted 3 Button Jacket, at Mark's & Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Planet Crazy Ceiling Light, at Marks & Spensers
Multi strand feature Cluster design This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Wooden Alphabet Frame, at Marks and Spenser
Suitable for ages 1-3 years This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Per Una Pure Silk 3/4 Sleeve Maxi Dress, at M&S
Pretty and feminine, this long length dress is stylishly detailed with an animal print and flared hem

Older Boys' Shark Embroidered Swim Shorts, at Marks & Spencer
Fun and fashionable, these lined shorts fit comfortably and securely. A shark embroidered design adds a fab finishing touch

Simple Lily Sympathy Card, at Marks and Spencer
Cover text: With Sympathy Inside message: Thinking of You This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 127mm

Light Control Floral Lace Shorts, at Marks & Spenser
Look slimmer in seconds! These light control shorts gently flatten tummies for a sleeker, slimmer silhouette

Tiny Fairies 21st Birthday Card, at Marks and Spenser
Cover text: Having so much fun, now you're 21 Inside message: Have a fantastic birthday! Approx. size: 150 x 150mm

Orchids on Kraft Large Gift Bag, at Mark & Spencers
1 gift bag Approx size: H270 x W360 x D100 mm

Pretty Perfect Iron Design Picture Beads, at Marks & Spencer
Suitable for ages 3-6 years Contains a rainbow of tiny beads and design templates Approx 2500 beads Size of 4 templates: 100 x 100mm Size of large template: 145 x 145mm Develops creativity This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Ceriso Floral Print Shorts, at MarksandSpencer
Fashionable and flirty, these modern shorts feature a floral design and centre bow. The low rise, low leg style gives a flattering, shapely fit. Designed for women who want the latest look

Cotton Rich Bootleg Jeans with Belt, at Marks n Spencer
Flattering and fabulous, bootcuts make legs look longer and are kind to curves. This pair sits below the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit.

The Gruffalo, at Marks & Spensers
"A gruffalo? What's a gruffalo?" "A gruffalo! Why, didn't you know? He has terrible tusks, and terrible claws, and terrible teeth in his terrible jaws." And so begins the story of a quick-witted mouse as he encounters a host of predators who seem to think he might make a tasty treat. As he ventures deeper into the deep dark wood, stumbling across a hungry fox, a not-so-wise owl, and a slimy snake, spinning ever-extraordinary yarns about the scary, scaly gruffalo, he quickly realises that the hungry beast he has been talking of isn't imaginary after all.

Clear Salt & Pepper Condiment Mills, at Marks and Spencer
Pack of 2 Salt and pepper mills Screw top design H14cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

3 Pack Easycare Short Sleeve Shirts, at Marks & Spencers
Woven in a no-fuss easycare fabric, short sleeves add a smart focus to your office look. A practical and convenient choice for everyday wear

Silver Band Champagne Flute, at Mark's & Spencer
Silver band Flute style Long stem Wide base Height: 27.5cm Capacity: 17cl, Manufacturer: Marks & Spencer

Ten in the Bed Book, at Mark's & Spencer
A colourful and beautifully illustrated adaptation of the traditional nursery rhyme. Explore a magical adventure with the toys as they come to life in this bedtime tale. Children will love to press the buttons and sing a long to the familiar tune as they follow the story

Senior Wool Blend Blazer with Stain Defence™ & Stormwear™, at M & S
Smart and innovative, this stylish blazer is made from a hardwearing wool blend. It's treated with our unique Stain Defence™ and Stormwear™ finishes, making it resistant to water and stains

Gold Label Collection - Case of 12, at M&S
3 Gold Label Sauvignon Blanc 2008: Fans of dry, fresh and fruity whites will love this lively French Sauvignon Blanc... 3 Gold Label Chardonnay 2008: A ripe yet elegant example of French Chardonnay showing rich peach and pineapple fruit and a hint of creamy oak... 3 Gold Label Merlot 2007: A modern, fruity red wine made from the fashionable Merlot grape... 3 Gold Label Cabernet Sauvignon 2007: A delicious French red that shows all the hallmarks of the Cabernet Sauvignon grape... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

BT Studio 3100 Cordless Phone, at Marks and Spencer
50 name and number phonebook Assign melodies to specific phonebook entries Caller display stores your last 40 numbers and will display their name and number each time they call Call waiting Redial and recall your last ten calls Secrecy facility - allows you to talk to someone else in the room without the caller hearing Earpiece, base station and handset ringer volume control Choice of 5 handset and 5 base ringer melodies Display language options Keypad lock Talktime up to 10 hours, 30 minutes/standby time up to 160 hours Range of up to 300 metres outdoors/50 metres indoors Low battery and out of range warnings Switchboard compatible Tone and pulse dialling and dialling pause GAP compatible (register up to 4 handsets to one base) - internal calls, call transfer, 3-way calling Includes: 2 rechargeable batteries, mains power adaptor, one telephone line cord 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 This product is not available for international delivery. Find out more

Ultimate Pure Wool 3 Button Stripe Jacket, at Marks & Spencer
This high performance suit is made to work as hard as you do. It's extra durable and added stretch keeps it in great shape while giving you enhanced comfort and ease of movement

M+S Money 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 Car 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; Car Insurance and Property 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 Property 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 Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.