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

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

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

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 Direct. Offering everything from savings accounts and credit cards, to Property Insurance and Car Insurance, there's a lot more going on at Marks n Spencer than you might imagine.

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

Plain Lightweight Underwired Bra, at Marks & Spencer
Sleek and modern, this bra is so light and comfortable you will hardly know you're wearing it. Smooth moulded cups give no visible outlines under clothing. Designed for women who want a streamlined silhouette

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

Per Una Assorted Charms Stretch Bracelet, at Mark's & Spencer
Stretch style Mix bead design Assorted charms

Pure Cotton Frill Hem Jacket, at Marks & Spencers
Smart and stylish, this pure cotton jacket is tailored to fit and flatter. A great choice for work

Lavender Lantern Candle, at Mark & Spencers
Lavender fragrance Natural and decorative botanicals Burns up to 4 hours, Manufacturer: Marks & Spencer

Multiway Underwired Lace DD-G Bra, at Marks and Spenser
Whether you wear it strapless, cross-over or conventional, this smart bra offers the best in versatile comfort thanks to a multiway design and non-padded. An essential addition to any wardrobe

WALL-E DVD, at Marks & Spenser
Rating Universal, suitable for all,

Fenton Compact 2-Seater Sofa, at Marks and Spencer
H90 x W168 x D103cm Seat: H51cm (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 dark finish Includes 2 free matching bolsters 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

Road Monsters Fire Vehicles Set, at Marks n Spencer
Suitable for ages 3+ 5 fire-fighting vehicles Includes a fire truck, fire inspector's car, van, pick-up and a helicopter Imaginative play This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Fresh Rose Pot Pourri Bag, at Marks & Spencer
Fresh rose fragrance, Manufacturer: Marks & Spencer

Per Una Short Sleeve Eccentric Lace Top Set, at Mark's & Spencer
An elegant eccentric print lace top in soft stretch fabric featuring a camisole and necklace

Catch Mitts, at Marks & Spenser
2 gigantic catch mitts 1 ball Carry case Colourful design For outdoor use This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

5 No VPL Thongs, at Mark's & Spencer
For the ultimate no-show look, these stretchy thongs are perfectly smooth with bonded edges. They won't dig in and there are no irritating labels, so they feel incredibly comfortable to wear

Limited Collection Satin Mini Skirt with Belt, at Marks and Spencer
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Pure Cotton Funnel Neck Stripe Cardigan, at Marks and Spencer
Elegant and feminine, this 3/4 sleeve cardigan is made from pure natural cotton. A fabulous fashionable look

Sterling Silver Double Oval Earrings, at Marks & Spenser
Hook fastening Double oval design Diamant detail For hygiene reasons, refunds will only be given in accordance with your legal rights

Sonoma Office Black Leather Swivel Chair, at MarksandSpencer
H117 x W63 x D72cm Adjustable seat height: 36-42cm Metal base Leather seat Adjustable height Gas lift function Delivered flatpack due to size. Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item 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 SAVE ON SETS Save at least 25% when you buy this chair as part of a set. Click here to view the Sonoma Office Collection Set. , Manufacturer: Marks & Spencer

Mock Vest T-Shirt, at Marks and Spencers
Fun and fashionable, this mock-layer t-shirt in a soft cotton is a practical easycare style

Paddington Bear, at Marks & Spensers
Join Paddington and the Browns as they start their adventures at Paddington Station and relive the classic story in this charming picture book

Portfolio Short Sleeve Jumper with Cashmere, at M+S
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Big & Tall Single Pleat Trousers, at Marks and Spenser
No more trips to the drycleaners! These smart, fashionable trousers can be machine washed and tumble dried. Perfectly proportioned for big and tall men

Up To Y25.00 Cush - CUSH SPARKLE SEQ, at M&S
Manufacturer: Marks & Spencer

Blue Harbour Stormwear™ + Ultimate Trekking Trousers, at Marks & Spencers
These Ultimate trekking pants are made from a luxury pima cotton blend which is softer, stronger and more absorbent than normal cotton. They feature an adjustable belt and zip-off legs so you can wear them in any terrain. Our unique Stormwear™ water repellent finish keeps you dry and Freshtech™ technology prevents odours

Humax PVR-9300T500 Digital Television Recorder with 500Gb HDD & Twin Tuner, at Marks and Spenser
Digital terrestrial set top box 500Gb DTR (Digital Television Recorder) Up to 300 hours tape-less recording and playback Twin Digital Tuner, can record 2 channels whilst viewing a third Pause live TV and rewind live TV One touch recording from 8 day programme guide Dolby 5.1 optical output Automatic software update, to ensure the latest digital features are available Records subtitles with the ability to view or hide them during playback Auto-padding ensures you never miss the beginning and end of a programme Chase play enables you to watch a programme from the beginning whilst still recording the end Common interface slot for Pay TV (requires separate CAM (not supplied)) HD Upscaling with HDMI Dimensions: H5 x W36 x D24.5cm Weight: 2.9Kg NOTE: This unit only records Freeview, not SKY or cable

Taste of Chile - Case of 12, at Marks and Spencer
4 Los Nucos-Shiraz Cabernet Ros2007: A seriously fruity Chilean Ros, packed with berry flavours... 4 Los Nucos Chardonnay 2007: A vibrantly fruity and fresh Chilean chardonnay... 4 Los Nucos Cabernet Sauvignon 2006: A soft, slightly spicy Chilean red, easy-drinking in style... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Per Una Cotton Rich Cropped Trousers, at Marks and Spencer
A fashionable cropped pair of trousers in soft cotton rich fabric featuring an on the waist design. Comes with belt shown in the photograph

Limited Collection Block Heel Buckle Shoes, at Marks and Spencer
Heel height: 70mm Round toe Buckle fastening Mid heel Comes in sizes 3-8, including half sizes

The Wheels on the Bus Book, at Marks & Spencers
A true classic song for children. Come and join the fun on the yellow bus by reading this story. Press the wheel on this book to hear the tune and sing along

Photographic Better Half Anniversary Card, at Marks and Spenser
Cover Text: To my better half on our anniversary Inside Message: On our anniversary with love Approx size: 176 x 126mm

Plait Belt Halterneck Swimsuit, at Mark's & Spencer
Stylish and shapely this flattering swimsuit is designed in the latest shape. Designed to fit and flatter

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