There are lots of ways to save money using M&S Financial Services. Not least of these is Marks & Spensers Standard Car Insurance. With M&S Financial Services 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 Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Mark's & 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 Car Insurance from M&S Money, you get more, and you pay less.

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

• M&S Insurance: M&S Car Insurance, M&S Buildings & Contents 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 M&S, it's easy to see that these are good financial products, at value-for-money prices.

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

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

Milk & White Chocolate Three-Present Stack Cake, at Mark's & Spencer
64 portions Chocolate cake: A rich chocolate cake filled with chocolate ganache. Chocolate sponge cakes can be eaten up to 5 days after collection 3 cakes: 19.5cm square/15cm square/11cm square 3.3kg total weight Not suitable for nut allergy sufferers Suitable for vegetarians As featured on page 67 of the Food to Order brochure Available for collection in the majority of our UK mainland stores

Long Sleeve Snake Print Blouse, at Marks and Spencers
This fab long sleeve blouse features a stunning snake print design. A vibrant new look, perfect for this season

Philips HX6311 Rechargeable Sonic Toothbrush, at Marks and Spencer
KidTimer: Increases brushing time slowly over 90 days, building towards the dentist recommended 2 minutes Power modes: 2 Kid-friendly power modes adapt to different ages providing a gentle cleaning that's ideal for different ages. There is a low mode for ages 4 to 6 and a high mode for ages 7 and older Brush Heads: 2 brush head sizes that are specifically designed to gently clean and protect teeth at key developmental stages KidPacer: Fun sounds encourage kids to brush the front and back of both upper and lower teeth Fun interchangeable panels: Allows kids to customise their toothbrush Anti-roll shape: Sturdy handle design allows kids to store it upright as well as apply toothpaste while the toothbrush is laying flat Multi grip design: Ergonomically designed to enable parents and kids to brush together or on their own Battery type: Li-Ion Rechargeable battery Speed: 31,000 brush strokes per minute Operating time (full to empty): Fully charged should provide 42 2-minute brushings (3 weeks) Voltage: Multi-Voltage Charger 100-240 V 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

Royal Jelly & Pure Honey Gift Set, at Mark's & Spencer
This gift set contains 3 toiletry products from the Royal Jelly range which contain royal jelly, a natural source of vitamin B, added honey renowned for its moisturising properties, vitamin E and pro-vitamin B5 to help leave the skin soft and smooth

Leaf Guipure Moulded T-Shirt Bra, at Marks and Spencer
Smooth and versatile, this comfortable t-shirt bra is designed for a no-show look under your clothes

Smooth Cup Padded Bra, at Marks and Spencer
Sleek and stylish, this bra is perfectly smooth, so there are no visible outlines under clothing. Light padding and underwiring give an enhanced natural shape. Designed for women who want a streamlined silhouette

5 Pairs of Assorted Marl Stripe Ankle High Socks, at Marks & Spencers
Perfect for everyday wear, these great value socks feature added stretch to provide a long lasting fit and comfort

Double Twisted Stick Drop Earrings, at MarksandSpencer
Hook fastening Twisted design For hygiene reasons, refunds will only be given in accordance with your legal rights

Satin Spot Print Shirt with Belt, at Mark's & Spencer
This fab short sleeve shirt features a stunning spot and empire line design. A sophisticated new look, perfect for this season

Panasonic SC-PT470 DVD Home Theatre with iPod Dock, at Mark's & Spencer
1080p Up-Conversion with HDMI Number of Output Channels: 5 + Subwoofer (5.1) Output Power : 1000W (RMS) Styling to match Panasonic Viera Flat Panel Televisions and Easy to Use VIERA Link Theatre Integrated Universal Dock for iPod Enjoy Your iPod Music & Video Built-in Dolby Digital, Dolby Pro-Logic II and DTS Decoders USB Terminal for MP3, WMA, JPEG and MPEG4 Playback Front speaker dimensions: W9.2 x H12.8 x D8.1cm Centre speaker dimensions: W12.5 x H9.4 x D8.1cm Surround speaker dimensions: W9.2 x H12.8 x D8.1cm Subwoofer speaker dimensions: W15.3 x H41.5 x D25.7 cm

Large August Bouquet, at Marks and Spencer
Historically a symbol of love, this assortment of larkspur in shades of lilac, cream and pink also contains deep purple lisianthus, sandriana and delicately pretty roses. Includes 50% more blooms than the standard August bouquet Available for delivery from 1st to 29th August 2009

Machine Washable & Tumble Dry Single Breasted 2 Button Plain Navy Jacket, at MarksandSpencer
Put an end to trips to the dry cleaner with our Machine Washable range. Each suit's stylish cut and fit is combined with the convenience of its high quality fabric that can be machine washed and tumble dried

Pure Cotton Floral Print Pyjamas, at Marks and Spencer
Pretty and feminine, these floral print pyjamas are made from soft breathable cotton for a comfortable night's sleep

Canon IXUS 100 IS Digital Camera, at Marks & Spenser
Pixels: 12.1 megapixels Zoom: 3.0x optical zoom, 4x digital zoom Screen: 2.5'' PureColor LCD II ISO: AUTO, 80, 100, 200, 400, 800, 1600 Dimensions: W87.0 x H54.5 x D18.4mm Weight: 115g Motion Detection Technology: Eliminate blur by compensating for subject motion and camera-shake PictBridge Enabled: Enables you to print images using a USB cable to connect the PowerShot A470 to a printer without a PC Face Detection Technology: Ensures superb people shots by automatically setting optimum focus, exposure, flash and white balance Red-Eye Correction: Easily removes red-eye in-camera Processor: DIGIC 4 processor drives exceptional processing speeds, responsive operation, superb image quality and colour reproduction. Richly detailed, cleaner images, even at high ISO speeds, are the result of advanced Noise Reduction Shooting Modes & Special Scenes: 14 shooting modes include Special Scenes like Sunset, Portrait and Kids & Pets, which make it easy to get great results in common shooting situations. My Colors in-camera photo effects such as Black & White can be applied during shooting i-contrast: Canon's i-Contrast feature offers improved contrast and greater detail in tricky lighting conditions HD movies in stereo: Create smooth, high quality movies in high definition (1280x720, 30fps), then connect the optional HDMI cable for playback on HD widescreen TVs System requirements: Windows XP SP2-3 / Vista (including SP1), Mac OS X v10.4 - 10.5 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

Multi Bead Necklace & Earring Set, at Mark & Spencers
2 part set Hook fastening drop earrings Clasp fastening multi strand necklace Assorted beads design For hygiene reasons, refunds will only be given in accordance with your legal rights

Chandelier Gift Card, at Marks and Spencer
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Cut Flowers Scented Filled Candle, at M+S
Cut flowers scented Glass holder Frosted glass design, Manufacturer: Marks & Spencer

National Parks Of Britain by Role Smith, at Mark's & Spencer
Fascinating and wonderful. Every lover of the British countryside should have this book

Malabar 3-Door Sideboard & Glazed Top Unit Set, at Marks and Spencer
Top unit: H114 x W174 x D47cm Top unit has 6 adjustable shelves and toughened glass doors Sideboard has 3 drawers, 3 cupboards and an adjustable shelf in each cupboard Sideboard: H90 x W180 x D50cm Made from solid mango wood Treated with a protective low-sheen lacquer that provides added durability Fitted with antique-brass-effect handles Glass doors are made from safety-tested toughened glass 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Embroidered Wing Underwired Multiway Bra, at Marks & Spensers
This versatile bra can be worn 5 ways: conventionally, halterneck, cross back, strapless and one shoulder. Designed for a flattering fit, secure support and comfort

Detroit Extending Dining Table & 6 Slat-Back Chair Set, at M+S
7 piece set Table: H75 x W90 x L160cm (extends to L205cm) Chair: H100 x W44 x D54cm Table seats 6-8 Slat-back design chairs Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs Table top panel made from oak veneer with a solid oak edging for strength 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

Elephant & Cat Multipack of 8 Cards, at Marks and Spencer
Cover Text: All designs - blank Inside Message: All designs - blank for your own message Pack Contains: 8 cards, 3 designs Approx. Size (folded): 95 x 80 mm Approx. Size (unfolded): 200 x 80 mm

Faux Pearl Delight Necklace, at Marks & Spensers
Faux Pearls Intermittent beads Necklace length: 44cm

Zip Folio Case, at Marks & Spensers
When you're on the move, make sure to keep your important documents in order with this smart looking folio

Pinstripe Padded T-Shirt Bra, at Marks & Spencer
Sleek and contemporary, this soft pinstriped bra gives a perfectly smooth outline under clothes. Light padding and underwiring give an enhanced natural shape. Designed for a streamlined silhouette

Large Laser Cut Sister Birthday Card, at Marks n Spencer
Cover text: To my special Sister Inside message: Wishing you a very happy birthday Approx size: unfolded: 220 x 220mm

Lightweight Check Design Tassel Scarf, at Marks&Spencer
This sophisticated check design scarf is the perfect accessory to this season's fashions. The tassel edges add a stylish finishing touch

Per Una Sleeveless Sketch Swirl Dress with Belt, at Marks & Spencer
A beautiful V-neck dress with belt. The pleat detail makes it extra stylish

Pure Cotton Short Sleeve Bib Top, at Marks and Spencer
Smart and stylish, this short sleeve top is made from cool comfortable cotton and features a bib detail

Oval Mirror, at Mark's & Spencer
H61 x W41.5cm Oval shape Black frame Art deco style, Manufacturer: Marks & Spencer

When you're shopping at M & S online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M&S Financial Services. Offering everything from savings accounts and credit cards, to Buildings & Contents Insurance and Car Insurance, there's a lot more going on at Mark's & Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Financial Services. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M&S Financial Services, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Financial Services website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."