There are lots of ways to save money using M&S Finance. Not least of these is Mark & Spensers 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&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 Finance, you get more, and you pay less.

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&Spencer are so useful. M&S Finance financial products are, of course, designed to make Marks and 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, Property Insurance policies. Usually, UK Property 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 Finance Property 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 Finance Property Insurance than you will anywhere else, and you may even pay less with M&S.

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

Panasonic DMP BD60 Blu-ray Disc™ Player, at Marks and Spencer
PHL Reference Chroma Processor Plus: A high quality image-processing technology developed by Panasonic to precisely process each pixel of the Blu-ray Disc™ video signal in the vertical direction 4:4:4 signal technology: Processes each pixel of the Blu-ray Disc™ video signal in the horizontal direction, to complement vertical direction processing VIERA CAST function: Allows access to YouTube™, Picasa™, and other Internet sites from the special VIERA CAST screen Playback Media: BD-ROM, DVD-ROM, DVD-R, DVD-RW, AVCHD, Audio CD Audio: Dolby Digital Plus, Dolby Digital True-HD Connectivity: USB 2.0, HDMI, SD slot, Composite Video Outputs, Component Video Outputs, HDMI Outputs (Version 1.3), Optical Digital Audio Outputs Accessories: Remote control Dimensions: 43 x 4.9 x 24.9cm

Pure Cotton Thomas & Friends© Mock Layer Hooded Top, at Marks & Spencers
Fans of Thomas & friends will love this pure cotton mock layer hooded top featuring the popular character. A practical, easycare style

Portfolio Geometric Print Bangle, at MarksandSpencer
Chunky style Geometric print

Portfolio Bobble Stretch Bracelet, at M & S
Stretch style Bobble design

Limited Collection Frill Side Tunic, at Mark's & Spencer
Get the latest look in this trend-conscious tunic with contemporary frill details

Light Up Mirror Compartment, at Marks and Spencers
Prop up compartment Internal double mirror Square shape

Garmin® nüvi® 1340 Satellite Navigation System, at Marks n Spencer
Maps: Preloaded with street maps for Western Europe, including the UK and Ireland Directions: Lane Assist to show you to the correct lane for upcoming junctions Display: 9.7 x 5.7cm, 480 x 272 pixels Display type: WQVGA color TFT with white backlight Accepts data cards: microSD™ card (not included) Battery life: up to 4 hours Battery Rechargeable lithium-ion Dimensions: W12.2 x H7.5 x D1.6cm Weight: 161.6g Compatible with Windows 2000 or later and Mac OS X 10.4 or later Only 15mm thick ideal for use in and out of the car Premium, subscription-free traffic alerts Public Transport & Pedestrian mode with optional cityXplorer™ download New optional AA City Guides for restaurant listings, attractions and more Garmin's unique speed camera warnings (database updated daily)

Frill V-Neck Swimsuit, at Marks and Spencer
Stylish and shapely this flattering swimsuit is designed in the latest shape. Designed to fit and flatter

Winita Mannequin Jewellery Holder, at Mark & Spensers
Mannequin design Multiple hooks H18"

Seville Antique Brass Towel Ring, at Marks and Spenser
Wall mounted H17.3 x W20.5 x L3.6cm, Manufacturer: Marks & Spencer

Old Vines Grenache Noir 2007 - Case of 12, at Marks & Spencer
Style: Medium bodied Grape variety: Grenache Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Ribbed Thermal Leggings, at Marks & Spenser
Soft, warm and cosy, these cotton blend thermal leggings are designed to give comfy insulation, perfect for chilly weather

Per Una Essentials Modal Rich Pintuck Shorts, at MarksandSpencer
Feminine and delicate, these stylish shorts are made from a soft comfortable modal rich fabric. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion

Harbour Scene 60th Birthday Card, at Marks and Spencers
Cover text: Happy 60th Birthday Inside Message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

Textured Mid Calf Length Piped Skirt, at Mark's & Spencer
Chic and stylish, this skirt makes a great choice for work or smart occasions. It's machine washable for added convenience

25 Lotus Flower Room Scenters, at Marks and Spencer
Pack of 25 Lotus flower scent, Manufacturer: Marks & Spencer

Autograph Powder Brush, at Mark & Spensers
Handmade Enables you to achieve a controlled light and even coverage

Spinsanti Malbec 2008 - Case of 12, at Marks & Spencer
Grape variety: 100% Malbec Country of origin: Argentina Closure: Natural Cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 14% vol Alcohol units per bottle:10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Fraser 2-Seater Sofa, at Marks and Spencer
H99cm x W188cm x D102cm 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 Fabric options feature reversible cushions 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 medium finish All of our fabrics are treated with Stain-Defence™ - 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Woven Silk Multi Stripe Tie with Stain Defence™, at M & S
This woven silk tie has been treated with our stain defence™ technology giving inbuilt resistance to everyday spills, this repellence benefit is maintained after dry cleaning

Cashmilon™ Polo Neck Long Sleeve Jumper, at Marks & Spenser
Fashionable and flattering, this polo neck jumper is made from supersoft cashmilon™ and features ribbed trim

Pure Merino Wool V-Neck Jumper, at Marks & Spencer
Elegant and feminine, this long sleeve v-neck jumper is made from fine merino wool for luxurious warmth and softness.

Edmonton Extra Large 2-Seater Sofa, at M&S
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

Blossom Tree Embroidered Pillowcase, at Mark's & Spencer
Fits standard pillows Embroidered blossom tree design Frill detail, Manufacturer: Marks & Spencer

Pure Cotton Sleeveless Pleated Top, at Marks & Spencer
For casual elegance, you can't beat this pleated scoop neck top. A great value cotton essential

Autograph Borden Small Stool, at Marks & Spencer
H44 x W147 x D54cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 an ebony 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Sonoma Light 5 Drawer Chest & 2 Bedside Chests Set, at Marks and Spenser
3 piece set 5 drawer chest: H88 x W90 x D50cm Bedside chests: H60 x W45 x D45cm Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Drawer boxes and fronts made from solid Oak. Drawer bottoms made from White Oak veneer Handles made from solid white oak and veneer Side and back made from soli Top panel is veneered with 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

4 Windsor Champagne Flutes, at M&S
Set of 4 Dishwasher safe 21cl, Manufacturer: Marks & Spencer

Ashbourne Recliner, at Marks and Spencer
H99 x W112 x D105cm (Reclines to L173cm) Seat H49cm (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 Fabric options feature reversible cushions Manual recline model 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™ - 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 08457 624 624 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Limited Collection Zebra Print Lightweight Scarf, at Marks&Spencer
Bring out your wild side with this fabulous animal print scarf. Perfect with this season's styles it ensures that even in the simplest outfit, you'll never look tame

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