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

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks & 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 M&S Money Direct, 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 Marks & Spencers are so useful. Marks & Spencer Money 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, 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 Marks & Spencer Money 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 Marks & Spencer Money Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

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

Sprung-Edge Divan with 2 Large + 2 Small Drawers & M400 Mattress - Soft, at Marks and Spencer
Double mattress (4ft 6in): W135 x L190 cm 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: 24cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Small drawer: H14 x W40 x D52cm Mattress filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give the mattress edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs Pocket sprung mattresses give a flexible feel Mattress spring count: 1054 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

Extending Floor Lamp & Shade, at Marks & Spencer
Antique brass finish steel Fabric shade 40 x 162cm, Manufacturer: Marks & Spencer

3 Cool & Fresh Pure Cotton Assorted Trunks, at Marks and Spencers
Made from soft breathable cotton, these comfy trunks are ideal for everyday wear

Firm Control No VPL Border Thigh Slimmers, at Mark's & Spencer
These firm control knickers gently shape tums, thighs and bums for a sleeker, slimmer silhouette. They're designed without hems for a smooth no-show look under clothes

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

Philips CD1554B Cordless Phone with Answering Machine, at Marks & Spensers
50 name and number phonebook 10 number call log list 5 number redial list 10 minutes recording time Plug and play answering machine Tone and pulse dialing Call waiting Caller ID, conference call, explicit call transfer, microphone mute Registers up to 4 handsets to one base Talktime up to 12 hours, standby time up to 150 hours Range of up to 300 metres outdoors/50 metres indoors Talk time up to 12 hours Base dimensions: 120 x 114 x 82.5mm Handset dimensions: 162 x 48.3 x 28.7mm

M&S Combination DAB Digital Radio, at Marks & Spensers
Access over 8000 radio stations worldwide built-in WiFi 24 station presets (8 DAB / 8 FM / 8 internet) Podcast and listen again service compatible with media streaming of MP3/WMA & real audio file Alarm functionality, snooze button, headphone port, automatic scanning, firmware upgradeable and mains operated Stereo digital radio with 802.11b/g WiFi network, full Band III DAB and FM reception Frequency ranges: 802.11b/g, Band III 174-240 MHz, FM 87.5-108 MHz WiFi (802.11b/g) security: WEP, TKIP, WPA, WPA2 WiFi audio files format support: MP3, WMA, Real Audio Speakers: full-range 3" drive unit Input connectors: 9V DC power adaptor socket (230V supplied) Output connectors: 3.5mm headphone, 3.5mm line out (analogue) LCD display: 2X16 character Type LCD display Mains power supply: 230V AC to 9V DC external power adaptor Aerial: captive telescopic aerial Dimensions (mm): 115mm high x 275mm wide x 65mm deep 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

Autograph Weekend Full Length Leggings, at Marks and Spencers
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Detroit Nest of Tables, at Marks & Spencer
H55 x W56 x D56cm (largest table) Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs 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 manufacturer's instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Perfect Single Breasted Stitch Detail Jacket, at Marks&Spencer
This lightweight jacket, in autumn's key shade of red, is versatile enough to dress up or down

Portfolio Leopard Print Shoulder Bag, at Marks & Spenser
Fashionable and practical, this leopard print shoulder bag is a useful accessory with bags of style!

The Floral Collection Iris Purse Gift Set, at Marks and Spencers
4 part set Moisturising Hand and Body Lotion: 50ml Moisture Rich Foaming Bath Cream: 50ml Moisture Rich Shower Cream: 50ml Iris fragrance Presented in a purse

Classic Duckling Imprint Kit, at Marks & Spensers
Gift box, air-drying craft clay, 1 stand, pink and blue acrylic paint, paintbrush and instructions Box: H155 x W155 x D42mm

Mens Flat Sole Summer Sandals, at Marks and Spenser
Lightweight Round toe Contrast stitching Rip tape fastening Soft heel strap

Insect Repellent Formula Wipes, at Marks and Spencers
Deet free Repels mosquitoes and other biting insects Formulated with children in mind Dermatologically tested

Tonal Hexagonal Shower Curtain, at Marks & Spenser
Tonal hexagonal design, Manufacturer: Marks & Spencer

Per Una Pure Cotton Embroidered Crepe Blouse, at Marks & Spencers
A delicate embroidered crepe blouse in pure cotton, the front pleat detail gives it the Per Una touch

Checkerboard Cosmetic Bag, at Marks & Spenser
Rectangular Zip fastening Check pattern Side pouch

Total Support Daisy Embroidered Non-Wired Bra, at Marks and Spenser
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

Classic Text Golden Anniversary Card, at Marks & Spencer
Cover text: With Love on our Golden Anniversary Inside message: Blank for your own message Approx size: 214 mm x 150 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Secret Support™ Lace Trim Vest, at Marks and Spencer
Add a soft, supportive layer to your daily attire with the Secret Support™ incorporated into the design of this cosy vest

M&S Quad Set DECT Ergonomic Cordless Phones with Answering Machine, at Mark & Spencers
DECT - Digitally enhanced cordless phones provide crystal clear sound quality, increased talk time and range coupled with increased security Ergonomic design White, backlit inverse display Backlit keypad Phone book - stores 50 names and numbers Talk time - up to 9 hours with 100 hours standby Speakerphone - talk hands-free Caller display - identify your caller before answering Built-in digital answering machine with up to 15 minutes recording time iShare - access the answer machine from any handset Ringer melodies - choose from 10 different options Message counter display on base 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

Cross Dye Quilted Bedcover, at Marks and Spenser
Stitch detail Padded Medium: 150x200cm Large: 260x265cm, Manufacturer: Marks & Spencer

Aldea Red 2008 - Case of 12, at M+S
Country of origin: Spain Closure: Screw cap Suitable for vegetarians and vegans Bottle: 12 x 75cl Alcohol by volume: 12% Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites This product is not available for international delivery. Find out more

Recycled Stormwear™ & Stain Defence™ Senior Blazer, at Marks & Spensers
Smart and innovative, this blazer is made from polyester from 100% recycled materials. It's treated with our unique Stormwear™ and Stain Defence™ finishes so it's resistant to water and stains. A contrast coloured lining adds a finishing touch

Blue Harbour Pure Cotton Short Sleeve Shirt, at Marks & Spencer
This pure cotton shirt has been dyed using a special process to give an authentic washed down look which will fade fashionably with time and wear. Colour variations make each garment unique

RealCool Cotton™ Performance Vest, at Marks & Spencers
As worn by GB Olympic pentathletes. Ideal for active wear, this RealCool Cotton™ Performance top is made from high-performance breathable fabric and is designed with stretch for great fit and movement

Single Divan with 1 Small + 1 Large Drawer & F200 Coolmax° Mattress, at Marks n Spencer
Single mattress (3ft): W90 x L190cm Single divan (3ft): W90 x L190cm Mattress depth: 24cm Divan height: 41cm Large drawer: H14 x W78 x D52cm, small drawer: H14 x W40 x D52cm Individually pocketed springs Deep layer of memory foam 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 Pocket sprung mattresses give a flexible feel Mattress spring count: 930 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

Portfolio Cotton Rich Cropped Trousers, 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

Ruffle Neck Tankini, at Marks & Spencer
Feminine and fashionable, this flattering tankini is designed in the latest shape. Make a splash!

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 Marks & Spencers, through its Marks & Spencer Money 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 & Contents Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.