There are lots of ways to save money using M&S Money. Not least of these is Marks & Spensers Standard Motor Insurance. With M&S 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 M&S 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 M&S Financial Services, you get more, and you pay less.

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

Also, on both M&S Money Premier Property Insurance and Standard Property 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.

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

Blue Harbour Pure Cotton Short Sleeve Oxford Shirt, at Marks & Spenser
Relaxed and stylish, this short sleeve shirt is made from pure cotton, so it feels soft and comfortable to wear

Autograph Pure Silk Great Wall Tie, at Mark & Spensers
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Autograph Scratchy Spot Low Rise Shorts, at Marks & Spenser
Sophisticated and feminine, these flattering shorts feature a scratchy spot design. The modern low rise styling gives a flattering shapely fit. Beautiful exclusive lingerie

Mechanical Motorbike Birthday Card, at Marks and Spencer
Cover Text: Happy birthday Inside Message: Have a great day! Approx size: 135 x 135mm

Mix Bead Long Necklace, at Marks and Spenser
Clasp fastening Adjustable length Mix bead design Necklace length 92cm, extendable by 8cm

Per Una Dip Dye Knitted Top with Chiffon Scarf, at Marks and Spenser
An elegant v-neck top featuring dip dye design. Floral print chiffon scarf gives it the Per Una touch

Limited Collection Floral Brazilian Knickers, at MarksandSpencer
Fabulous and fun, these comfortable Brazilians are part of our Limited Collection lingerie. They're made from a soft stretchy fabric, and the scooped front and back give a shapely modern fit. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Pop Up Vintage Car Birthday Card, at Marks and Spencer
Cover Text: Birthday Inside Message: To, From Approx size: 90 x 230mm

Autograph Cotton Rich Jeans, at Mark's & Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Cute Kitten Birthday Card, at Marks and Spencer
Cover text: Have a lovely Birthday Inside message: blank for your own message Approx size: 174 x 126mm

Portfolio Textured Bootleg Trousers with Linen, at Mark & Spencers
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Quartz Faux Metallic Wall Clock, at Marks and Spencers
Round face Standard numerals Faux metallic finish H28 x D28 x W2.2cm Weight: 0.5kg, Manufacturer: Marks & Spencer

M&S Kira 4 Man Tent, at Marks&Spencer
This 4 berth tent is ideal for those looking for a simple design consisting of one bedroom as well as a communal living area. The Kira has a front and side opening as for extra protection from the weather if needed. Superbly made with taped seams to keep the weather on the outside. It has highly flexible fibreglass poles for strength and easy erection. The Kira 4 berth tent could be just what you have been searching for, The Kira is a great tent for touring Europe with

Nature du Rhône 2007, Côtes du Rhône - Case of 12, at Marks and Spencer
Style: Dry, medium bodied Country of origin: France Grape variety: Grenache, Syrah, Carignan, Cinsault Closure: Natural cork Suitable for vegetarians and vegans 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

Crook Handle Umbrella, at Marks & Spencer
Lightweight and easy to carry, this umbrella provides you with effective protection from those sudden downpours

Fabric Comfort Belt, at M+S
Add a smart finishing touch with this fabric belt

Per Una Maxi Length Panelled Denim Skirt with Belt, at Marks n Spencer
An elegant full length denim skirt in stretch cotton featuring a panel design

Les Domaines Brocard Organic Chablis 2006 - Case of 6, at Marks and Spencer
Style: Dry and crisp Grape variety: Chardonnay Country of origin: France Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Pure Cotton Waffle Throw, at Mark & Spencers
Waffle design Tasselled Small: 100cm x 150 Large: 200cm x 180cm, Manufacturer: Marks & Spencer

Pure Cotton 3/4 Sleeve Floral Print Top, at M & S
Smart and stylish, this boat neck top is made from cool comfortable cotton and features a floral print

Freshfeet Zig-Zag Tramline Full Cut Slippers, at Marks & Spencer
Practical, comfortable and stylish, these innovative slippers are made with Freshtech™ technology. They keep feet fresh by combating the bacteria that cause odours. The technology is built into the slippers so they perform effectively wash after wash

Autograph Copper Base Frying Pan, at Marks and Spenser
Stainless steel for maximum durability and shine High performance copper base for even heat distribution Triple layer non-stick coating Riveted handles with silicone inserts for comfort and safety Diam: 24cm Suitable for all cooker types except induction, Manufacturer: Marks & Spencer

Pure Cotton Satin Rose Cream Pillowcase, at Marks & Spencer
300 thread count 3D rose design Think climate! This can be washed effectively at 30C, find out more , Manufacturer: Marks & Spencer

5 Cotton Rich Scallop Trim Bikini Knickers, at Marks and Spenser
A great value pack, ideal for everyday wear. This pack may contain a mixture of designs and colours. See Click for zoom and other views

Pure Cotton Bright Stripe T-Shirt & Shorts, at Marks and Spencers
Contemporary and fashionable, these pure shortie pyjamas make the perfect choice for relaxing in style and comfort

Pure Cotton Stripe Button Vest, at Marks and Spenser
A stripe design adds a fashionable touch to this soft cotton top

Fenton Large 2-Seater Everyday Sofa Bed, at Marks & Spencers
H90 x W218 x D103cm (opens to L235cm) Seat: H51cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish Mattress: L178 x W132 x D5cm Sprung mattress rests on a slatted wooden base Mattress recommended for everday use Sofa bed will support a maximum combined weight of 160kg All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Scroll Lattice Wallpaper, at Marks & Spencers
Printed wallpaper Straight pattern repeat 26.5cm - The pattern runs horizontally and matches at the seam of each adjoining roll across the wall. Every roll will be the same at the ceiling Roll dimensions: W52cm x L10m Suitable for living rooms, bedrooms, dining rooms and hallways Not suitable for bathrooms or kitchens Printed wallpaper is not washable - sponge cleaning only Made in the UK and sourced from sustainable, renewable forests How many rolls do you need?Click here for our wallpaper calculator Complete your room with made to order curtains. Click here to view our range For a detailed view of the colour and pattern, please click on the image and use the zoom function. Please note that your monitor settings may affect how colours are displayed, Manufacturer: Marks & Spencer

Per Una Pleated Handbag with Charm, at Marks and Spencer
A heart shaped charm makes this fashionable bag even more special. Give your look the Per Una twist!

Men's Classic Fragrance Collection, at M & S
Contains: Woodspice aftershave 30ml Woodspice shower gel 30ml Harvard aftershave 30ml Harvard ahower gel 30ml

M&S Money offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor Insurance policies are much the same is usually a bad idea. At worst it can be a very expensive mistake - this is when you find out that your Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Money Motor Insurance is not like that at all, and when you compare M&S Motor Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with M & S 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsburys, or Tesco:

• Personal UK and European Breakdown Cover automatically included
• Comprehensive cover for trips abroad in the European Union – up to 90 days per trip
• Courtesy car during approved repairs automatically included
• Cover for Motor Legal Protection automatically included

So, it is clear that, besides being good value, M&S Motor Insurance also provides much more extensive cover than some of the top competitors. Additionally, you don't even need to be behind the wheel to benefit from M&S Money UK and European Breakdown Cover, since it covers you as a passenger too.