There are lots of ways to save money using M&S Financial Services. Not least of these is Mark's & Spencer 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 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 Finance, you get more, and you pay less.

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

When you're shopping at Marks&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 Financial Services. Offering everything from savings accounts and credit cards, to Property 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 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."

Hammered Square Detail Sunglasses, at MarksandSpencer
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

3 Piece Cotton Rich Stripe Denim Outfit, at Marks and Spencer
Cute and comfy, this 3 part set is made up of a stripe top, a denim skirt and tights. They look fabulously fashionable worn together or separately.

Younger Boys' Monkey Slippers, at Marks and Spencers
Round toe Riptape fastening Monkey motif Contrast trim Lined Comes in sizes 4-13

Autograph Silk Rich Pleated Shorts, at Marks and Spenser
Elegant and feminine these flattering shorts are made from a luxurious silk rich fabric. The modern low leg styling gives a shapely fit. Beautiful exclusive lingerie

Limited Collection Faux Snake Fold Over Clutch Bag, at Marks and Spenser
Fashionable and fabulous, this fold over clutch bag is designed in one of this season's key shapes. It's strong and practical as well as a trend-conscious accessory. Get the latest look!

3 Long Sleeve Pintuck Detail Tops, at Marks & Spensers
Stock up on essentials for less! This great value pack of 3 pintuck detail tops is comfortable, practical, fashionable and easycare

Square Neck Short Sleeve Tab Dress with Belt, at Marks & Spencer
Chic and stylish, this square neck dress features tab detail. A great choice for work or smart occasions and it's machine washable for added convenience

Classic Collection Paisley Print Lightweight Scarf, at Marks & Spencer
Add a fashionable finishing touch to your look with this elegant paisley print scarf. The perfect accessory to this season's styles

Pure Cotton Woven Bold Stripe Pyjama Shorts, at Marks & Spenser
Soft and comfortable, these pure cotton shorts can be worn alone or with a number of our pyjama tops and t-shirts to create your own style

Summer Jazz CD, at Mark & Spensers
Audio CD, Marks & Spencer

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

Ceriso Essentials Spot Embroidered Thong, at Marks&Spencer
Fashionable and flirty, this modern thong features a spot embroidered design. The low rise, high leg style gives a fabulous body-conscious fit. Designed for women who want the latest look

Younger Boys' Pure Cotton Thomas & Friends© Slippers, at Mark's & Spencer
Round toe Riptape fastening Contrast trim Thomas motif 2007 Gullane (Thomas) Limited

Portfolio Paradise 3 Bead Drop Earrings, at Marks and Spencer
Hook fastening Drop style 3 bead design

Long Sleeve Stripe Hooded Top, at M&S
A stylish wardrobe essential in pure soft cotton. Ideal for layering

Small Elephant Soft Toy, at Marks & Spenser
Suitable for ages 0-3yrs This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Ultimate Non-Iron Pure Cotton Long Sleeve Check Shirt, at Marks & Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Blue Harbour Luxury Long Sleeve Shirt with Silk, at Marks and Spencer
Classically stylish, this long sleeve shirt is cut for a great fit. It's made from a luxurious blend of linen and silk

2 Bamboo Coasters, at Marks & Spencers
2 pack Square design, Manufacturer: Marks & Spencer

5 Newborn Pure Cotton Sleeveless Animal Bodysuits, at Marks n Spencer
Cute and practical, this pack of 5 bodysuits is great value. Popper fastenings makes quick changes easy and the soft cotton fabric will keep him feeling comfy and happy

Walkmates Sporty Riptape Trainers, at Marks and Spencers
Click here for more information on Walkmates shoes Double riptape fastening Round toe Contrast stitch detail

Cashmilon™ V-Neck Long Sleeve Jumper, at Marks & Spencers
Soft and cosy, this long sleeve jumper is made from supersoft cashmilon™. A smart modern look

Portfolio Pure Linen Pleated Blouse, at Mark's & Spencer
Part of Portfolio's C'est Chic trend, featuring a cosmopolitan palette of black, off white and neutral, this is a feminine and elegant look for the new season

Beaded Collar Necklace, at Mark & Spensers
Clasp fastening Adjustable length Bead design Length: 45cm, extendable by 8cm

Pure Cotton Drawstring Joggers, at Marks and Spencer
Soft and practical, these loose fit drawstring joggers are outstanding value. This easycare style is ideal for active games or relaxing in comfort

Fina Sangre 2006 - Case of 6, at M+S
Style: Full bodied Grape Variety: Cabernet Sauvignon, Carmenre and Syrah Country of origin: Chile Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 15% vol. Alcohol units per bottle: 11.3 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Silver Bubble Table Lamp, at M&S
Bubble design base Fabric shade H45 x Diam 30cm Bulb: 40W E14 SES This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Fliptoe Slip On Shoes, at Marks & Spencer
Square flip toe Stitch detail Slip on Block heel

PlayStation®3 Heavenly Sword™ Game, at Marks n Spencer
Suitable for ages 15+ Released September 2007 2007 Sony Computer Entertainment Europe 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 *Must be returned with the tamper seal intact for full refund, ESRB Rating: Teen

Indian Floral Jacquard Duvet Cover, at M & S
Comes in single (3ft), double (4ft 6in), kingsize (5ft) and super-kingsize (6ft) Floral jacquard design, Manufacturer: Marks & Spencer

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