There are lots of ways to save money using M&S Money Direct. Not least of these is Mark's & 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 Marks and Spenser, 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.

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Mark & Spensers once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks & Spensers, through its M&S Money Direct website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Buildings Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Besides Marks and Spencers Car Insurance, M&S Money Direct Credit Cards and other financial products, M&S Money Direct Buildings 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 Direct 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 Mark & Spencers purchases are also protected while you take them home.

Also, on both M&S Money Direct Premier Buildings Insurance and Standard Buildings 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.

Long Sleeve Metallic Finish Hooded Parka, at Marks & Spenser
The parka is an essential item that will never go out of style. This cosy easycare style is finished with a glamorous handy side pockets and hood

Pure Cotton Printed Cars Polo Shirt, at M & S
Fans of Cars will love this cotton polo shirt featuring the popular character. A practical, easycare style

Paper Butterflies Someone Special Card, at Marks and Spencer
Cover Text: To Someone Special Inside Message: On Mother's Day Approx size: 178 x 126mm

Hopsack Cushion, at Mark & Spensers
Comfortable and practical, this cushion has a hopsack cover and gives a stylish look

125 Years Fruit Jellies Mug, at Marks & Spencer
Fruit jelly design 'Marks & Spencer Fruit Jellies' slogan, Manufacturer: Marks & Spencer

Ingredients Coconut Body Butter, at Mark & Spencers
Body butter Coconut scent 200ml

Contrast Stitch Riptape Sandals, at Marks and Spencers
Open toe Riptape fastening Stitch detail Flat sole

Firefinch Sauvignon Blanc 2008 - Case of 12, at Marks & Spencer
Style: Dry, crisp and fruity Grape variety: Sauvignon Blanc Country of origin: South Africa Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 Alcohol units per 125ml: 1.6 Contains sulphites This product is not available for international delivery. Find out more

Dualit Dome Kettle - Black, at Marks & Spencer
1.7 litre capacity High quality 18:8 grade stainless steel body 3000 watt rapid boil concealed element Cordless operation with axis rotary base and cord tidy Water level viewing window Boil dry safety feature Heatproof handle, knob and finger-guard Ergonomic handle for easy pouring Non-drip spout Dimensions: H25cm Laser cut stainless steel water filter 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

Linen Blend Floral Print Skirt, at Marks & Spencers
Pretty and feminine, this linen blend skirt makes a fashionable, flattering choice. A smart modern look

Per Una Ditsy Flower Wire Necklace, at Marks & Spencer
Clasp fastening Adjustable length Ditsy flower wire design Necklace length 41cm, extendable by 8cm

Autoritas Chardonnay 2007 - Case of 6, at Marks and Spencer
Style: Dry, crisp and fresh Grape variety: Chardonnay Country of origin: Chile Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 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

125 Years Family Organiser, at Marks and Spencer
Approx size: 331 x 430mm

Autograph Leather Tramline Lace-Up Shoes by Jeffery-West, at Mark's & Spencer
Square toe Punched hole and zig zag cut-out detail 4 eyelets Lace-up Block heel Tramline design Designed exclusively for Autograph by Jeffery-West

Autograph Satin Stitch Pillowcase, at Marks and Spencer
500 thread count Border stripe Stitch detail Pure Cotton, Manufacturer: Marks & Spencer

Classic Collection Pure Cotton 3/4 Sleeve Blouse, at Marks & Spencers
Modern and stylish, this floral print blouse will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

Pure Silk Geometric Print Lightweight Scarf, at Marks & Spencer
Add a luxurious finishing touch to your look with this elegant pure silk stripe design scarf. The perfect accessory to this season's styles

2 Pure Cotton STAIN-AWAY™ Ruffle Pocket Polo Shirts, at M & S
A great value 2-pack treated with STAIN-AWAY™, our unique high performance finish which helps prevent everyday stains, and makes them easy to wash out clean. It even works with ink blots!

Blue Harbour Twin Pocket Short Sleeve Shirt, at Mark's & Spencer
Stylishly smart casual, this comfortable shirt looks great dressed up or down

Total Support Lace Pattern Bra, at Marks and Spenser
Feel fabulous and comfortable in this elegant and supportive bra. It's lightweight yet shaped to give all-round uplift and support thanks to extra wide back straps and wide shoulder straps

Footglove™ Leather Stitched Bow Pumps, at Marks & Spencer
Round toe Contrast stitched bow detail Slip on Low heel Heel height: 12mm Comes in sizes 3-8, including half sizes Footglove™ soles are comfortable, highly flexible and lightweight

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

White Ceramic Collection Toilet Brush, at Marks and Spencer
Plain H39 x Diam 10cm, Manufacturer: Marks & Spencer

Autograph Pure Cotton Multi Stripe Shirt, at Marks and Spencers
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Collezione Pure Wool Single Pleated Trousers, at Marks and Spenser
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

Sensuale Eau De Toilette, at Marks and Spenser
Floral fragrance 25ml This product is not available for international delivery. Find out more

Les Hauts de Courac - Laudun 2005 - Case of 6, at Marks & Spencers
Style: Dry, rich and fruity Grape variety: Syrah, Grenache, Mourvedre Country of origin: France Closure: Natural Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 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

Pure Cotton Waffle Spa Bathroom Mats, at M & S
Textured waffle design Bathmat: W50 x L80cm Pedestal mat: W50 x L55cm Bathmat and pedestal mat must be purchased separately, Manufacturer: Marks & Spencer

Towelling Mules, at Mark & Spencers
Round toe Backless Comes in sizes 3-8

Cut Flowers Inclusion Pillar Candle, at Marks and Spencer
Cut flowers fragrance Floral detail Pillar style candle, Manufacturer: Marks & Spencer

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 Buildings 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 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.