There are lots of ways to save money using M+S Money. Not least of these is M & S 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 n 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 Money UK website is just as simple as shopping for fashion or furniture at the Marks and Spencers 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 Buildings 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 and Spencers, 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.

When you're shopping at Marks and Spencer 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 Money. Offering everything from savings accounts and credit cards, to Buildings Insurance and Car Insurance, there's a lot more going on at Marks and Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M+S Money. 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 Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M+S Money 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."

Divan Sets - M500Z+L 2+2 DRW, at Marks and Spencer
Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Spencer Motif Minishirt, at M&S
Fun and fashionable, this spencer motif minishirt is made from soft breathable cotton for a comfortable night's sleep

Bold Stripe Bottle Gift Bag, at Marks n Spencer
Bold stripe design Includes tag H370 x W120 x D80mm

Girls' Limited Ruffle Skirt & Leggings Set, 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

16GB Apple iPod nano - Latest Generation, at Marks & Spenser
Holds up to 4,000 songs, 16 hours of video, 14,000 photos, or some of each Genius feature finds the songs in your library that go great together and makes a Genius playlist for you Shake iPod nano to shuffle your music Cover Flow - turn it on its side to flip through album art Watch movies, TV shows, and video Curved, anodized aluminum and curved glass design Large, bright display with 320-by-240 resolution Tilt, move, and play accelerometer-inspired games (games available separately) 2-inch (diagonal) color LCD display with LED backlight. 320 by 240 pixels at 204 ppi Dimensions: H9 x W3.9 x D0.6cm Weight: 36.8g In the box: iPod nano, earphones, USB 2.0 cable, dock adaptor, Quick Start guide Built-in rechargeable lithium ion battery capable of up to 24 hours of audio playback and up to 4 hours of video playback For Mac and Windows. Requirements: Windows Vista or Windows XP Home or Professional or Mac OS X v10.4.11 or later TM and 2008 Apple Inc. All rights reserved 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

Sleeveless Burn Out Floral Rib Vest, at Marks and Spencer
This fashionable soft top features stylish burnout rib design for a fresh modern look

The Cotton Collection Cotton Stripe Handwash, at Mark's & Spencer
Moisture rich Hand wash 250ml

DeLonghi EC710 Espresso Coffee Maker, at Marks and Spencer
Exclusive stainless steel body pumped espresso machine High performance 15 bar pump pressure ensures best tasting espresso / cappuccino with no limit to the number of cups produced 1.3 litre removable water reservoir with water level indicator Stainless steel espresso boiler for longer life ''Cappuccino System'' mixes steam, air and milk, producing a rich, creamy froth for a great cappuccino Comes with two filter holders, a new 'never fail' crema filter holder for normal ground coffee, the other for the 'easy serving espresso' pods and free Illy pods Self-priming system means the machine is always ready for use Separate steam and espresso thermostats Active cup warmer Accessories storage for a tidier kitchen Incorporated coffee tamper On/off switch with indicator light 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

Automatic Umbrella, at Marks & Spencer
Smart and easy to carry, the practical design of this handy umbrella is the perfect solution for dealing with sudden downpours

Collezione Pure Wool Single Breasted 3 Button Jacket, at Marks & Spensers
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 to give you a feeling of luxury like no other

Younger Boys' Lightening McQueen Slippers, at Marks & Spencers
Round toe Lightning McQueen motif Slip on Flat sole Disney

Per Una Short Sleeve Knitted Ribbed Top, at Marks & Spencers
A casual short sleeve top in a soft cotton blend. Scallop trim details give it the Per Una touch

Spa List, at Marks & Spencer
There are some wonderful places for spa out there, if you know where to find them. It's fine to have high expectations - so long as the experience lives up to them. Spa list guides you around the UK's most stylish spa hotels with the best pampering facilities

Autograph Antique Leather Wallet, at Marks and Spencer
Smart, stylish and practical, this antique leather wallet makes it easy to organise cards, notes and coins

2 Newborn Cotton Rich Flower Button Leggings, at MarksandSpencer
Comfortable enough for crawling or napping in, these soft cotton rich leggings are a practical and fashionable choice

Pearl & Silver Type Sister-In-Law Birthday Card, at Marks & Spencer
Cover text: To my sister-in-law happy birthday Inside message: Blank for your own message Approx size: 175 mm x 126 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Blue Harbour Heritage Pure Cotton Check Shirt, at Marks and Spenser
Relaxed and stylish, this long sleeve check shirt is made from pure cotton so it feels soft and comfortable to wear

Older Girls' Permair™ Bow Detail School Shoes, at Marks and Spencer
Round toe Slip on Bow feature Flat sole Scuff resistant Permair™ micro porous coating makes the shoes scuff- and water-resistant and easy to clean, while allowing feet to breathe

Performance °Climate Control Baseball Hat, at Marks and Spencer
Whether you're keeping the sun out of your eyes during the big game or simply relaxing in casualwear, the baseball cap is a style essential

Per Una Brogue Patent Belt, at Marks and Spencer
A patent finish makes this fashionable belt even more special. Add a stylish finishing touch from Per Una

Classic Collection Floral Embroidered Nightdress, at Marks & Spencers
Fresh and feminine, this nightdress is comfortable to sleep in and features pretty embroidery

Per Una Custom Button Stripe Cardigan, at Marks and Spencers
A cosy 3/4 length sleeve cardigan featuring stripe design and custom buttons

2 Machine Washable Goofy Ties, at Marks & Spenser
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

Short Sleeve Pointelle Knitted Jumper Dress, at Marks and Spencer
Fashionable and flattering, this knitted jumper dress features pointelle design. A glamorous modern look

Pure Cotton 3/4 Sleeve Spot Print Top, at M & S
Pretty pintuck and spot print makes this soft cotton top extra special

High Impact Crop Top, at Marks & Spencers
Ideal for active wear, this quick drying crop top is made from high-performance breathable stretch fabric and is designed in the latest style for a great fit and freedom to move. Moisture wicking ensures dampness is drawn away from the body

Cashmilon™ Bardot Neck Jumper, at Marks & Spencers
Casual and modern, this long sleeve jumper is made from supersoft cashmilon™ and features a Bardot neckline

Pure Cotton 3/4 Sleeve Scoop Neck Top, at Marks&Spencer
Chic and modern, this 3/4 sleeve top is made from cool comfortable cotton and features a scoop neck

Royal Jelly & Pure Honey Protective Facial Moisturiser SPF6, at Marks and Spencer
Contains skin conditioners and UV sunscreens to give an SPF6 daily protection against the sun's harmful rays Gently smooth over your face and neck with fingertips Avoid contact with the eyes. If product gets into the eyes rinse well with warm water 100ml

Big & Tall Flat Front Trousers with Wool, at Marks and Spencer
Smart and stylish, these trousers are made from a hardwearing wool blend with stretch. An ideal choice for work or everyday wear. Perfectly proportioned for big and tall men

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