There are lots of ways to save money using M+S Money. Not least of these is Marks & Spencers Standard Motor Insurance. With M+S Money 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, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor 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 Motor Insurance from Marks & Spencer Money, you get more, and you pay less.

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 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 & Contents 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 & Contents 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.

M+S Money offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor 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 Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M+S Money Motor Insurance is not like that at all, and when you compare M&S Motor 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 n Spencer 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsburys, or Tesco:

• 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 Motor 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.

Oval Face Bracelet Watch, at M & S
Oval face Analogue

Pure Wool Fine Stripe Rug, at Marks & Spenser
Rectangle shape Stripe design, Manufacturer: Marks & Spencer

Block Floral Long Length Skirt, at MarksandSpencer
Long and lovely, this A-line skirt is designed to fit and flatter. Stylish, practical and fashionable

Autograph Merano 2-Seater Unit (Left-Hand Arm), at Mark & Spencers
H84 x W172 x D102cm Seat H47cm, arm H63cm, top back rail H63cm (all dimensions are approximate) Seat cushions made from shape-retaining foam with extra-thick fibre wrap - 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 have reversible cushions Available in fixed cushion covers only 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 Glide 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 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

7 Pure Cotton Animal Stripe Bodysuits, at Marks & Spensers
Cute and practical, this 7 pack of bodysuits features assorted animal designs. The soft cotton fabric will keep him comfy and the popper fastenings are great for fuss-free changes

Gold Burst Spots Roll Wrap, at Marks and Spencer
Gold burst design 200 x 70cm

Teichert Ranch Petite Syrah 2007 - Case of 6, at Marks & Spencer
Style: Full bodied Grape variety: Country of origin: USA Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per 125ml: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

Signature Lemongrass & Bamboo Room Spray, at Marks & Spensers
15ml Lemongrass and bamboo fragrance Clear glass with attractive labelled design This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Bright Prints Set of 3 Pens - Flowers, at Marks & Spenser
Pack contains: 3 ballpoint pens Bright floral prints Black ink Approx size: 135 x 10mm

Footglove™ Leather Wide Fit Bow Wedge Shoes, at Marks and Spencers
Round toe Slip-on Bow and stitch detail Mid wedge heel Heel height: 56mm Wide fit Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Newborn Pure Cotton Embroidered Jeans, at M & S
Fashionable and practical, these cotton jeans are hardwearing and comfy. The embroidered design gives a cute look

Organic Cotton Illustrated Eco Bag, at Marks n Spencer
Shop greener by using this organic cotton shopper instead of plastic carriers. The illustration was commissioned from eminent fashion illustrator David Downton, making this bag a must-have style conscious accessory

Classic Collection Ruffle Rugby Top, at Marks & Spencers
Ruffle front detail gives this soft cotton rugby top a stylish twist. It's fashionable, comfortable and designed for a flattering, feminine fit

Under the Weather Ducks Get Well Card, at Marks & Spencers
Cover text: Sorry you're under the weather... Inside message: ...get well soon Approx size: 150mm x 150mm

Fairtrade Cotton Short Sleeve Crew Neck T-Shirt, at Marks and Spencer
Look below to see a video clip about Fairtrade This stylish short sleeve t-shirt is a good deal for you and for our Fairtrade farmers. It's made from 100% Fairtrade cotton, helping local farmers to invest in developing their own communities

Mechanical Dancing Friends Birthday Card, at Marks and Spencer
Cover Text: a friend is someone to dance like crazy with... Inside Message: With love Approx size: 135 x 135mm

Pure Cotton Camouflage Shorts with Belt, at Marks and Spencer
Relaxed and comfortable, these 3/4 length cotton shorts make a practical, fashionable choice

Château de Clairefont Margaux 2005 - Case of 6, at Marks & Spencer
Style: Full Bodied Grape variety: Cabernet Sauvignon, Merlot & Petit Verdot Country of origin: France Closure: Natural cork 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

125 Years Pure Cotton Twill House Check Shirt, at Marks & Spencer
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

Per Una Pure Cotton Crochet Trim Shirt, at Marks & Spencer
A smart sleeveless shirt in pure soft cotton. Crochet trim details give it the Per Una touch

Ultimate Non Iron Pure Cotton Royal Oxford Shirt, at Marks n Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Autograph Leather Knee High Riding Boots, at Marks and Spencer
Almond toe Stitch detail Knee high Small block heel

Welcome Reds - Case of 12, at Mark & Spencers
2 Domaine Lafage VdP des Ctes Catalanes 2007 2 Campo Bravo Rioja Vendimia Seleccionada 2007 4 Santa Gloria Merlot 2008 4 Villagio, Negroamaro Puglia 2008 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Big & Tall Flat Front Trousers, at Marks and Spencers
No more trips to the drycleaners! These smart, fashionable trousers are machine washable. Perfectly proportioned for big and tall men

Chinese Cooking School Recipe Book, at Marks and Spencers
Cooking School is a new series of cookbooks that will take your tastebuds on a global adventure ! Aimed at helping you to re-create the world's most popular cuisines in your own kitchen, the easy-to-follow, step-by-step recipes are suitable for both novice and accomplished home cooks. The art of chinese cooking has evolved over many centuries, yet it has never been more popular in teh West than it is today. Chinese cooks have developed tasty dishes for every possible occasion - from dainty wontons to colourful stir-fries and from vibrant vegetable dishes to fruity desserts. Cooking school chinese will teach you how to make all the classic dishes, plus many new and contemporary twists on old favourites, with helpful hints and tips for achieving perfect results every time. Get cooking and bring a taste of china into your home !

5 °Climate Control Cotton Rich Briefs, at Marks & Spencers
Climate control fabric absorbs and stores body heat when you're too hot and releases the heat when you're too cold. The result is the perfect body temperature so you'll feel comfortable all day. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Kids' Presents Mini Thank You Cards Multipack, at M & S
Contains: 8 cards, 4 designs Cover text: Design 1: Thank you!, design 2: Thanks!, design 3: Thank you so much!, design 4: Thank you! Inside message: blank for your own message Approx size: 95 x 80mm

Russell Watson - People Get Ready CD, at Marks and Spencer
Audio CD, Marks & Spencer

Round Chopping Board, at Marks and Spencers
Recessed handles D3 x H3.5cm, Manufacturer: Marks & Spencer

Supremely Washable Dacron® Pillow Protector, at Marks and Spencer
Quilted design Naturally breathable, keeping your body refreshed, Manufacturer: Marks & Spencer

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings & Contents Insurance or Motor Insurance, but Marks & Spencers 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 Money website. With a simple, no-hassle service, you can compare features between a number of Marks & Spencer Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M+S Money loans, credit cards or Buildings & Contents Insurance - besides a number of other insurance products, M+S Money 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 Money insurance products (Buildings & Contents 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.