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

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 Marks and Spencer 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, Sainsburys, 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.

Besides Marks n Spencer Car Insurance, M+S Money Credit Cards and other financial products, M+S Money Property Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M+S Money Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks n Spencer purchases are also protected while you take them home.

Also, on both M+S Money Premier Property Insurance and Standard Property Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

Per Una Assorted Charms Stretch Bracelet, at Marks & Spencers
Stretch style Mix bead design Assorted charms

Younger Boys' Pure Cotton Thomas & Friends© Hooded Poncho, at Mark & Spencers
Fans of Thomas & Friends can dress like their favourite superhero in this fun hooded costume

Girls' Limited Pure Cotton Acid Wash Dress, at Marks and Spencers
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Freshfeet Check Design Slippers, at M&S
Round toe Check design Tartan style lining pattern Chunky sole Slip-on With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology combats the bacteria that causes bad smells and odours Freshtech™ technology is permanently built in to the slipper and still performs after many washes

Petite Single Breasted 1 Button Jacket, at Marks & Spencers
Chic and stylish, this single breasted jacket is tailored to fit and flatter. A great choice for work or smart occasions and it's machine washable for added convenience. Specially designed and perfectly proportioned for the petite frame

Older Girls' Canvas Trainers, at Marks & Spencers
Round toe Lace up Metallic finish Canvas design Flat sole

Formula Insect Repellent Body Spray, at Marks & Spencer
Repels biting insects Suitable for all the family Dermatologically tested This product is not available for international delivery. Find out more

2 Pairs of Fishnet Tights, at Mark's & Spencer
Add some stylish flair to that chic skirt or dress and shape, lift and define your figure with this great value 2 pack of fishnet tights. A reinforced toe, comfortable sole and added stretch provide long lasting comfort and durability.

Conical Shade Wall Light, at Marks & Spencers
Conical shade Square wall fitting 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 , Manufacturer: Marks & Spencer

Compact Umbrella with Built In Light, at Marks & Spencers
Lightweight and easy to carry, this slimline umbrella provides you with effective protection from those sudden downpours and even has a built in light for those dark nights

Autograph Tinted Moisturiser, at Mark & Spencers
Firming tinted moisturiser Matt finish With ceramides SPF 15 Hypo-allergenic Oil free 30ml

Isis Woman Eau de Toilette, at Marks and Spencer
Eau de toilette 90ml This product is not available for international delivery. Find out more

Sony Ericsson W350i - Orange Pay as you talk Mobile Phone, at Marks & Spencer
A maximum of 2 phones per customer may be purchased Talk time: Up to 8 hours Stand-by time: Up to 360 hours Dimensions: 10.3 x 4.2 x 1.1cm Weight: 80g Bandwidth: 900/1800/1900 Orange Pay as you Go: Your mobile service provider will be Orange. An Orange SIM card is included with this handset. Standard features: Memory slot, memory card, Bluetooth, hands free, voice activated dialling, Triband, GPRS, organiser and alarm Special features: Active flip, downloadable realtones, data modem, voice memo recorder and webmail Fun features: 1.3MP camera, games, polyphonic ringtones and mp3 player

2 Fairtrade Organic Cotton Elephant All-in-One Suits with Socks, at Marks and Spencer
These cute all-in-ones are made from soft, comfy Fairtrade cotton. We buy the cotton at a fair price from small-scale farmers around the world. The extra income raised enables them to invest in their own communities, like providing wells for clean water and improving healthcare facilities

DeLonghi Icona Toaster - Stainless Steel, at Mark's & Spencer
Power 1.8kW 4 slice toaster Electronic controls: reheat, defrost, bagel and cancel 2 toasting slots operate independently All functions with neon indicator Hi-rise facility - extra 20mm lift for removing toast Variable browning controls Extra deep crumb tray Non-slip feet This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Herringbone Bodyshaper Tights, at Marks & Spensers
Look your best in that special outfit! These herringbone bodyshaper tights lift and shape your curves to give a more defined silhouette

Autograph Best Pure Silk Contrast Stripe Tie, at Marks and Spencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Mr & Mrs Smith Hotel Collection - European Cities, at Marks and Spencers
Inspirational and informative, the second Mr & Mrs Smith book guides you to the sexiest, most stylish hotels in Europe, including romantic hideaways in Florence and Paris, and boutique retreats in Stockholm and Barcelona

Adored Short Sleeve Floral Pyjamas, at Marks and Spenser
Stylish and elegant, these flattering pyjamas are part of our feminine Adored collection. They're made from a soft cotton blend for the ultimate in comfort

De Saint Gall Champagne Premier Cru Brut - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Pinot Noir & Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Gold Plated Floral Pendant Necklace, at M+S
Adjustable length Clasp fastening Diamont floral pendant Necklace length: 40cm

Black Half Frame Reading Glasses, at Marks and Spencer
Rectangle lens Black half frame For near vision and reading use only Not suitable for persons under 16 years of age Marks and Spencer reading glasses conform to British Standard BS: EN 14 139:2002

Autograph Weekend Cotton Rich Skinny Jeans, at Marks and Spencers
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

Per Una Samba Frill Dress, at Marks and Spencer
A feminine knee length dress featuring a bold floral print and front frill design

Stainless Steel Spaghetti Measurer, at Marks&Spencer
Stainless steel with black edges Gives measures for 1/2, 1, 2 and 3 person servings, Manufacturer: Marks & Spencer

Pure Cotton Chocolate Blocks Design Towel, at Marks and Spencer
Chocolate blocks design, Manufacturer: Marks & Spencer

Per Una Tweed Panelled Skirt, at Marks & Spenser
A pretty mid-calf length tweed skirt featuring a panel and pleat design

Blue Harbour Ultimate Linen Multi Stripe Shirt, at Marks & Spensers
This Ultimate Linen shirt has a unique added performance that helps keep you cool, dry and fresh by drawing moisture away from the skin and reducing odour, while also helping your linen to stay smart throughout the day. It's also easy to iron, so looking your best is now easier than ever

Per Una Sailor Stripe Belted Skirt, at Marks and Spencer
Comes with belt shown A stylish below the knee skirt in a cool linen blend fabric featuring a stripe design and comes with the belt shown in the photograph

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

Shopping for financial products at M+S Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spencer online store. Here are just some of the financial products which can be purchased via the M+S Money website:

• M&S Insurance: M&S Car Insurance, M&S Property Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks & Spenser, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M+S Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M+S Money website.