There are lots of ways to save money using M&S Money Direct. Not least of these is Marks and Spenser Standard Motor Insurance. With M&S Money Direct you can keep the cost of your Motor 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 Motor Insurance cover from M&S Money Direct, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor 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 Motor Insurance from M&S Money Direct, you get more, and you pay less.

When you're shopping at Mark & Spensers 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 Buildings & Contents Insurance and Motor Insurance, there's a lot more going on at M&S 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."

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

White Pearl Damask Cake or Favour Boxes, at Mark & Spencers
Contains: 10 cake or favour boxes Flat: 155 x 85mm Folded: L130 x W80 x D27mm

Portfolio Mixed Bead Multi Strand Necklace, at M+S
Clasp fastening Assorted beads Multi-strand design Chain necklace Adjustable length Necklace length: 41cm extendable by: 8cm

Portfolio 2 Tone Wide Leg Trousers with Linen, at Marks and Spencer
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

Serene Bouquet, at Marks & Spencer
An exquisite display of white blooms including Hydrangea, Alstroemeria, Lilies and Roses, beautifully backed by mixed foilage Available for delivery between 1st April to 30th September 2009

Thermal Long Sleeve Ribbed Vest with Silk, at M&S
Indulge in soft, warm comfort with this thermal easy to wear knitted vest. Perfect for adding a snug extra layer to your outfits during the winter months

3 Cotton Rich "Lightning McQueen" Trunks, at M+S
A must for fans of Cars, these cotton rich trunks feature Lightning McQueen

Sony DAV-DZ280 Home Theatre System with iPod® Dock, at Marks and Spenser
DVD player CD player iPod/iPhone™ dock 5.1 channel surround sound system with 850W total power output 3 HDMI™ inputs 6 speakers Sony DIGITAL MEDIA PORT - connect to and release digital music stored on your WALKMAN or other mp3 players, mobile phones, Bluetooth and Wi-Fi devices Built-in upscaler generates a 1080p signal via HDMI™ cable for superb picture quality on your High Definition TV Progressive scan USB interface Dolby Digital, Dolby Prologic II and DTS Decoding FM radio tuner with RDS and 30 station presets Portable Audio Enhancer function - improves the sound quality of compressed music such as MP3s DCAC - one-push automatic sound set-up for flexible speaker placement and optimum sound quality New Precision Cinema HD Upscale technology that converts standard-definition signals (480i) to 1080p and outputs a full HD equivalent resolution signal to 1080p TVs via HDMI™ BRAVIA Sync for simple, integrated control with your BRAVIA TV and other compatible products using only one remote Dimensions (main unit): W43 x H6.6 x D3.9cm Weight: 12.3kg 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

Harvard Toiletry Bag Giftset, at Marks & Spencers
Pack contains: 50ml Harvard shower gel 50ml Harvard moisturising aftershave Toiletry bag

Portfolio Lightweight Animal Print Scarf, at Marks and Spencers
Bring out your wild side with this fabulous animal print scarf. Perfect with this season's styles it ensures that even in the simplest outfit, you'll never look tame

Portfolio Petite Paint Splash Tunic, at Marks & Spensers
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.

Floral Butterflies Niece Card, at Marks & Spenser
Cover text: Happy Birthday to a lovely Niece Inside message: Wishing you a wonderful birthday This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 114 x 230mm

Supima® Pure Cotton Non-Iron Fitted Sheet, at M & S
Internationally recognised as the world's finest cotton Supima is renowned for its superior strength, enhanced durability and sumptuous feel High performance non iron finish offering the ultimate in easy care 180 thread count Single: W91 x L190cm, box length: 25cm Double: W137 x L190cm, box length: 25cm 5ft (king): W152cm x 200cm, box length: 25cm 6ft (Super-king) W183cm x L200cm, box length: 25cm, Manufacturer: Marks & Spencer

Pure Cotton Collegiate Baseball Cap, at Mark's & Spencer
Whether you're keeping the sun out of your eyes during the big game or simply relaxing in the park, the baseball cap is a true summer essential

Handcrafted Paris Hands Valentine Card, at Marks and Spencers
Cover Text: With all my Love this Valentine's Day x Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 178 x 127mm

Supima® Pure Cotton Non-Iron Housewife Pillowcase, at Marks n Spencer
Internationally recognised as the world's finest cotton High performance non iron finish offering the ultimate in easy care Supima is renowned for its superior strength, enhanced durability and sumptuous feel, Manufacturer: Marks & Spencer

Sprung-Edge Suede Divan with 2 Small + 2 Large Drawers & F400 Pocket Memory Foam Mattress with Coolmax° - Medium, at Marks&Spencer
Double mattress (4ft 6in): W135 x L190cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 25cm Divan height: H41cm Large drawers: H14 x W78 x D52cm, small drawers: H14 x W40 x D52cm Individually pocketed springs Mattress features a layer of resilient foam and memory foam, and also polyester fibre Mattress has foam layers to encourage air circulation Two rows of hand side-stitching give edge-to-edge support on the mattress Quality Belgian fabric for added durability Coolmax stretch knit cover helps regulate body temperature and adds a soft feel to the mattress Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support Mattress spring count: 1225 Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Blue Harbour Pure Cotton Polo Shirt, at Mark's & Spencer
Stylishly smart and casual, this polo shirt is made from pure cotton, so it's soft, breathable and comfortable to wear.

Samsung J700 - Orange Pay as you Go Mobile Phone, at M&S
Talk Time: Up to 3 hours Stand-by: Up to 250 hours Screen: 128 x 160 pixel resolution, 65,536 LCD colours, 2 inch Ringtones: 64 Polyphonic and MP3 ringtones Camera: 1.3 megapixel Dimensions: H9.9 x W4.8 x D1.4cm Weight: 92g Messaging: SMS and MMS - Combine image, video, text and voice clips and send an MMS to a compatible phone or PC Orange Pay as you Go: Your mobile service provider will be Orange. An Orange SIM card is included with this handset. Memory: Up to 10MB internal memory, MicroSD card slot Video player: Watch MP4 videos Music player: Music player with dedicated play/pause button. Plays multiple audio formats including MP3, AAC, AAC+, e-AAC+ and WMA Radio: Listen to FM radio 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

Pure Silk Leaf Embroidered Cushion, at Marks and Spencer
Square shape Leaf embroidered design Lined L50 x W50cm, Manufacturer: Marks & Spencer

Total Support Daisy Embroidered Non-Wired Bra, at Marks & Spensers
Soft and comfortable, this non-wired gives all-round support and uplift with good coverage, extra wide straps and 3 hook-and-eye fasteners. It's secure but gentle and lightweight, an ideal choice for everyday wear

Pure Cotton Long Sleeve Stripe T-Shirt, at Marks and Spenser
Soft, snug and comfy, this pure cotton long sleeve t-shirt is outstanding value. It features a stripe design. Fashionable and practical

Cotton Rich Star Print Bikini Knickers, at Marks & Spencers
Pretty and feminine, these cute star print bikini briefs sit low on the waist - perfect for wearing under hipsters. They're cut away at the front and sides and cover the bottom for a comfortable and flattering fit

Younger Boys' Football Boot Slippers, at Marks & Spencers
Round toe Embroidered detail Riptape fastening Flat sole

Total Support Non Wired Grascita Bra, at Marks and Spencer
Soft and comfortable, this non-wired bra gives all-round support and uplift with good coverage, extra wide straps and 3 hook-and-eye fasteners. It's secure but gentle and lightweight, an ideal choice for everyday wear

Single Breasted Water Repellent Mac, at Marks & Spenser
Fashionable and practical, the mid calf length mac is a wardrobe essential this season. This version in a water resistant easycare fabric features a modern buckle belt

Ruby Cot Bed, at Marks & Spensers
Drawers: H12.5 x W132 x D65.5cm Total unit: H100 x L144 x W78cm Mattress sold separately (suitable size: L140 x W70cm) Clean white finish Fixed headboard Each rail fitted with plastic teething rails Cot has fixed sides with 3 optional height positions for the base Cot converts into a junior bed suitable for children up to age 5 (footboard height is reduced) Delivered flatpack due to size 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

Limited Collection Leopard Print Cardigan, at Mark's & 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

Wooden Alphabet Blocks, at Marks & Spencers
Suitable for ages 1-3 years 50 pieces This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Retro Arcade Shoot, at Marks and Spenser
The Retro Arcade Shoot is an infra-red shooting gallery game! Aim your joystick at those pesky aliens for 10 points each, score bonus points when you see (and hit!) the blue LED light at the back of the game Play against the clock or select continuous play Choose from fast or slow modes Requires 4 x AA batteries (included) Recommended for ages 8 years and above, Manufacturer: Marks & Spencer

Garmin® nüvi® 1340 Satellite Navigation System, at Marks and Spencers
Maps: Preloaded with street maps for Western Europe, including the UK and Ireland Directions: Lane Assist to show you to the correct lane for upcoming junctions Display: 9.7 x 5.7cm, 480 x 272 pixels Display type: WQVGA color TFT with white backlight Accepts data cards: microSD™ card (not included) Battery life: up to 4 hours Battery Rechargeable lithium-ion Dimensions: W12.2 x H7.5 x D1.6cm Weight: 161.6g Compatible with Windows 2000 or later and Mac OS X 10.4 or later Only 15mm thick ideal for use in and out of the car Premium, subscription-free traffic alerts Public Transport & Pedestrian mode with optional cityXplorer™ download New optional AA City Guides for restaurant listings, attractions and more Garmin's unique speed camera warnings (database updated daily)

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 & Spencer are so useful. M&S Money Direct 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 & Contents Insurance policies. Usually, UK Buildings & Contents 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 Buildings & Contents 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 Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.