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

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from MarksandSpencer, 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 & Spencers Money, you get more, and you pay less.

M&S Finance 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 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 Finance Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the Marks & Spencer online store. Here are just some of the financial products which can be purchased via the M&S Finance website:

• M&S Insurance: M&S Motor Insurance, M&S Buildings Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks & Spencer, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Finance in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Finance website.

Crow's Fountain Sauvignon Blanc 2008 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: Sauvignon Blanc Country of origin: South Africa Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Panasonic DMR - EX769 160GB HDD DVD Recorder with Digital Tuner, at Mark's & Spencer
160GB capacity for a max recording of 200 hours onto the Hard Disk Drive Integrated Digital and Analogue Tuner VIERA link 1080p Up-Conversion and adaptive HD Enhancer Auto Preset Down Load Connect a DIGA DVD recorder to your VIERA TV via an HDMI cable Intelligent Auto Standby USB & SD Card slots Dimensions: W43 x H5.9 x D28.6cm

Per Una Notched Leather Belt, at Marks and Spencers
A patent finish makes this fashionable belt even more special. Add a stylish finishing touch from Per Una

Per Una 2 Tone Floral Lace Shorts, at M&S
Fresh and feminine, these stylish knickers feature floral design and a lace trim. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion

Sonoma Light Triple Wardrobe & 2 Bedside Chests Set, at Marks and Spenser
3 piece set Triple wardrobe: H200 x W130 x D65cm 1 hanging rail 1 shelf behind double doors 1 hanging rail and 4 shelves behind single door Bedside chest: H60 x W45 x D45cm Elongated wooden handles Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Drawer boxes and fronts made from solid Oak. Drawer bottoms made from White Oak veneer Handles made from solid wood Side and back made from White Oak veneer Top panel is veneered with 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 manufacturer's instructions, and be aware that polishes can add sheen., Manufacturer: Marks & Spencer

Per Una Essentials Seersucker Shorts, at Marks & Spensers
Feminine and delicate, these stylish shorts feature a lace trim. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion

Footglove™ Mid Heel Leather Loafers, at Marks and Spencer
Square toe Cross stitch detail Mid heel Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Pure Cotton Contrast Stitch Denim Cargo Trousers, at Marks & Spencers
Casual and relaxed, these stylish cotton belted cargo trousers are so comfortable and easy to wear. An effortless contemporary look that's fashionable, practical and easycare

Footglove™ Leather Interweave Peep Toe Shoes, at Marks n Spencer
Peep toe Interweave strap design Contrast stitch Buckle fastening Mid heel Comes in sizes 3-8, including half sizes Footglove™ soles are comfortable, highly flexible and lightweight

Woven Silk Stripe Tie, at Marks&Spencer
Add a luxurious finishing touch with this contemporary stripe tie in pure silk

PlayStation®2 SmackDown Vs Raw 2008 Game, at Marks and Spenser
Eight megastar fighting styles Brand new struggle submission system Encompasses a variety of megastars, arenas and weapons Includes significant updates requested by fans Enhanced online community support 2007 Sony Computer Entertainment Europe You must be 16 years of age or over to purchase this product 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, ESRB Rating: Teen

Brushed Metal Photo Frame 20 x 25cm (8 x 10''), at Mark & Spensers
Rectangle design Brushed metal effect Aperture: 20 x 25cm (8 x 10''), Manufacturer: Marks & Spencer

Pure Cotton Spot Print Pyjama Bottoms, at Marks & Spenser
Fashionable and practical, these spot print pyjamas are made from soft breathable cotton for a comfortable night's sleep

Silver Plated Heart Earrings, at Marks and Spenser
Hook design Heart shaped This product is not available for international delivery. Find out more For hygiene reasons, refunds will only be given in accordance with your legal rights

Foot Survival Pack, at Marks and Spencers
For instantly comfier feet, whatever shoes you're wearing

Cecily's Garden White Blossom Birthday Card, at Mark's & Spencer
Cover text: Happy Birthday Inside message: With love Approx size: Unfolded: 150 x 150mm

5 Plain Thongs, at Marks & Spensers
These comfy thongs merge a plain design with the shape retaining benefits of added stretch for a lasting and wonderfully flattering fit. Ideal for wearing under a host of skirt, dress and trouser styles

Older Girls' Tatty Teddy Long Sleeve Nightdress, at Marks & Spenser
A must for fans of tatty teddy show, this long sleeve nightdress features tatty teddy motif

Newborn Pure Cotton Reversible Jacket, at Mark's & Spencer
He'll have two looks in one with this practical reversible jacket. It's warmly padded and made from soft comfortable fleece and cotton fabric

Automatic Compact Design Umbrella, at Marks and Spencer
Smart and easy to carry, the practical design of this handy umbrella is the perfect solution for dealing with sudden downpours

Murphy's Contemporary Selection Red Mix - Case of 12, at Mark's & Spencer
2 Domaine du Donjon des Dames, Plan de Dieu 2007: A full-bodied and densely textured red from the Southern Rhne which combines rich, plum fruit flavours with an attractive note of savoury spice... 2 Castello d'Alba Red 2007: Ripe and velvety, this is a lightly oaked Douro red that is beautifully crafted and offers superb value for money... 4 De Bortoli Willowbank Shiraz 2007: warm-fruited, creamy-textured Shiraz from Australia. This wine is all about soft, rounded flavours of cherry, mint and chocolate, together with a gently warming finish... 4 Beau Moulin Rouge 2008: An intensely fruity, unoaked red wine that is bursting with flavours of black cherry, blueberry and wild herbs... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

125 Years Limited Collection Vest & Shorts Set, at Marks & Spenser
Fabulous and modern, this vest and shorts set is part of our Limited Collection lingerie. They're made from soft stretch cotton and designed to fit and flatter. Casual, contemporary fashion

Summer Manor Cup & Saucer, at Marks and Spencer
2 part set Floral design, Manufacturer: Marks & Spencer

Walkmates Leather Buckle Fastening Sandals, at Marks&Spencer
Open-toe Buckle fastening Contrast stitching Flat sole

Autograph Essentials Funnel Neck Coat, at Marks & Spenser
A stylish mid-length coat is perfect for a modern look you can wear every day. This machine washable version features a flattering, single breasted design and funnel neck

Blue Harbour Stormwear™ Pure Cotton Classic Jacket, at Marks & Spencer
A fashionable favourite, the classic jacket is given a modern update with contemporary styling

Autograph Pure Cotton Embroidered Dress with Belt, at Marks & Spensers
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Wool Rich Single Breasted 2 Button Jacket, at Mark & Spensers
Smart and contemporary, this suit is made from a special wool rich fabric for extra strength, comfort and durability

Portfolio Pure Silk 3/4 Sleeve Star Burst Blouse, 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

Floral Boot and Handbag Multipack of Cards, at Marks & Spenser
Cover text: Design 1: with love, Design 2: blank, Design 3: just to say... Inside message: All designs: blank for your own message Pack contains: 8 cards, 3 designs Approx size: Design 1 & 2: 95 x 80mm, Design 3: 200 x 80mm

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 Finance financial products are, of course, designed to make Marks&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 Insurance policies. Usually, UK Buildings 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 Finance Buildings 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 Finance Buildings Insurance than you will anywhere else, and you may even pay less with M&S.