There are lots of ways to save money using Marks & Spencers Money. Not least of these is Mark & Spensers Standard Motor Insurance. With Marks & Spencers Money 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 Marks & Spencers Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & 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 Motor Insurance from Marks & Spencer 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 M & S 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 MarksandSpencer, through its Marks & Spencers Money website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Marks & Spencers Money 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 Home 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 Home 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, Marks & Spencers Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Ceramic Canoe Potpourri Bowl, at Marks & Spencers
Ceramic bowl Canoe shape H9 x L33cm, Manufacturer: Marks & Spencer

Winnie The Pooh Family Organiser Calendar, at Marks & Spensers
Contains: 1 pen and memo pad Approx. size: 330 x 430mm Disney. Based on the "Winnie the Pooh" works by A. A. Milne and E. H. Shepard. www.disney.com

Kaiser Chiefs - Off With Their Heads CD, at Marks & Spencer
Audio CD, Marks & Spencer

Domaine Jacky Marteau Sauvignon Blanc 2008 - Case of 12, at Marks and Spencers
Style: Dry Grape variety: Sauvignon Blanc Country of origin: France Closure: Synthetic closure Suitable for vegetarians Bottle: 12 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

Signature Natural Cotton Scented Candle, at M+S
Glass holder Natural cotton fragrance Burns up to 40 hours, Manufacturer: Marks & Spencer

Pure Cotton Bob the Builder T-Shirt, at Marks & Spencer
Fans of Bob the Builder will love this pure cotton t-shirt featuring the popular character. A practical, easycare style

Knee Length Pleat Waist Belted Skirt, at Marks and Spencer
Chic and stylish, this belted skirt makes a great choice for work or smart occasions. It's machine washable for added convenience

Single Breasted 3 Button Jacket, at Marks & Spenser
Fashionable and modern, this tailored single breasted jacket features 3/4 length sleeve with button tab feature. A smart and stylish choice

Ceriso Embroidered Bow Low Rise Shorts, at Marks and Spencers
Flirty and fashionable, these modern shorts feature bow embroidery and a lace and ribbon trim. The low rise, low leg style gives a flattering, shapely fit. Designed for women who want the latest look

Mini Sub Roll Platter, at Marks & Spencer
12 rolls Serves 4 3 different sandwich fillings Ready to eat Made in a factory that uses sesame ingredients As featured on page 8 in the food to order brochure Order by 5pm to collect in 2 days Available for collection in the majority of our UK mainland stores

Chunky Mixed Bead Rope Necklace, at Marks & Spencer
Mixed chunky beads Rope necklace Tie fastening Necklace length: 102cm

Pure Cotton Cap Sleeve Multi Stripe T-Shirt, at Marks and Spencer
For casual elegance, you can't beat this scoop neck top. A great value cotton essential

Anthony Bear and Heart Mum Birthday Card, at Marks and Spencer
Cover text: With love To a very special Mum x Inside message: Happy birthday Approx size: 150 x 150mm

Luxury Pure Wool Tweed Single Breasted 2 Button Jacket, at Marks and Spencer
Beautifully designed, made from superior fabric and finished with careful attention to detail, this 2 button tweed jacket is exceptionally stylish and luxurious

Pure Cotton Short Sleeve Spot Dress, at Marks and Spencers
Fashionable and practical, this cute dress features spot print and contrast hem. It's made from soft cotton to keep her comfortable and happy

TomTom XL IQ Routes™ Edition Regional Satellite Navigation System, at Marks and Spencer
Maps: Full door to door maps of the UK and Ireland Display: XL 4.3" widescreen Safety Camera Database: Comes with fixed safety camera alerts pre-installed, to help you to drive more safely and responsibly Easyport™ Mount: EasyPort™ mount folds neatly onto the back of your device, making the whole navigation package fit into your pocket, bag or glove compartment Latest Map Guarantee: The latest map guarantee keeps you right up to date. If a new version of any map on this device is released within 30 days of your purchase, you can download a new one via TomTom HOME for free TomTom Mapshare™ Technology: Make corrections to your own map and benefit from thousands of corrections made by TomTom users every day - free of charge Updates from TomTom HOME: Get new software and download new maps via TomTom Home site, includes free and subscription services Sound: Loud and clear voice instructions Points of Interest: Pre-installed map has Points of Interest from petrol stations to hotels. Can be updated via TomTom HOME Traffic-Ready: Compatible with TMC Traffic Receivers, so your route can be altered to avoid the traffic ahead Plug & Go: Just plug in and tap the touch screen to begin using the intuitive user friendly interface Advanced lane guidance: Gives you extra clarity when navigating difficult junctions IQ Routes™ technology: Get a faster route to your destination, up to 35% of the time QuickGPSfix™: Get a faster route to your destination, up to 35% of the time Speeding alert: Alerts you that youre speeding, even if you''re not in navigation mode Help Me! menu: You can find help with local emergency service information at your fingertips. From hospitals to roadside assistance, this information will be useful in any area Accessories: Comes with USB car charger and USB cable TomTom Ticket 2 Drive savings when you purchase this product before 30th September 2009. Click here for more information

Autograph Pure Silk Brush Stroke Top, at Marks & Spencer
Part of Autograph's Luxe Tradition trend. Luxurious and contemporary with a sense of British heritage, this trend features a soft colour palette, modern prints and beautiful fabrics. A sophisticated look for the new season

2 Mosaic Stackable Chairs, at Marks and Spenser
H96 x W56 x D56cm Seat: 44cm Sold as a pair Seat cushion made from shape-retaining foam Metal frame Diamond pattern mosaic design This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sonoma Dark Tall Glazed Unit, at Marks and Spencer
H188 x W95 x D44cm Internal lights with on/off switch 3 adjustable glass shelves Glass doors and shelves are made from safety-tested toughened glass 2 drawers Made from solid oak and oak veneer Solid oak end grain details add to the character of each piece Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Handles made from solid wood Drawer boxes and fronts made from solid hardwood. Drawer bottoms made from White Oak veneer Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings 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

Cashmilon™ V-Neck Long Sleeve Jumper, at Marks and Spencer
Supersoft cashmilon™ makes this outstanding value jumper feel so comfy to wear. A practical easycare style

Per Una Retro Dip Dye Skirt, at Marks and Spencer
A colourful mid length skirt in textured fabric featuring a retro dip dye design

Per Una Longline Knitted Cardigan, at Marks & Spenser
A relaxed longline cardigan in a soft knitted fabric featuring a tie fastening and frilled hem

Rainbow Stretch Bracelet, at Marks & Spencer
Mixed bead design Stretch style

Girls' Limited Wetlook Leggings, at Marks & Spencer
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

Luxury Wrap Platinum Ring, at Marks & Spencer
Platinum plated Diamant detail

Pure Cotton Double Breasted Mac with Belt, at Marks and Spencer
Practical and fashionable, this water resistant mac features a double breasted design and epaulettes. Perfect for drizzly days, it can be accessorised with a rain hat or umbrella to see you through the season in style

5 Cool & Fresh Cotton Rich Assorted Briefs, at Marks & Spenser
Made from soft breathable cotton, these comfy briefs are ideal for everyday wear

3 Pairs of Assorted Stripe Socks, at Marks and Spencer
Brighten up his underwear drawer with these fashionable stripe socks

Classic Duckling Mug & Plush Toy, at Mark & Spencers
Contains: 1 mug, 1 soft toy Mug diameter: 75 mm

Underwired Floral Lace DD-G Bra, at Marks&Spencer
Feminine and pretty, this floral lace bra is ideal for everyday wear. It's underwired and shaped for an uplifted natural look

Besides Marks and Spencer Motor Insurance, Marks & Spencers Money Credit Cards and other financial products, Marks & Spencers Money Home 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 Marks & Spencers Money 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 M+S purchases are also protected while you take them home.

Also, on both Marks & Spencers Money Premier Home Insurance and Standard Home 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.