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

Nonetheless, many features are standard to both the Premier and the Standard Car 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 Car Insurance from M&S Financial Services, you get more, and you pay less.

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

Also, on both M+S 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.

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

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately M+S Money Car Insurance is not like that at all, and when you compare M&S Car Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Mark's & Spencer 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car 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 Car 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.

Ceramic Pot Pourri Bowl, at Marks & Spencer
Grooved design inside Circular shape Ceramic bowl Weight: 0.650kg, Manufacturer: Marks & Spencer

Pure Cotton Drawstring Joggers, at Mark's & Spencer
Comfy and practical, these pure cotton drawstring joggers are ideal for active workouts or stylish relaxation

Silver Finish Wood Photo Frame 13 x 18cm (5 x 7"), at Marks and Spencer
Rectangle shape Pine wood border Silver finish Aperture: 13 x 18cm (5 x 7") Dimensions: H24.2 x W29.3 x D2.7cm, Manufacturer: Marks & Spencer

Autograph Occasions Draped Grecian Style Wedding Dress, at Marks & Spencers
Feminine and elegant, this full length wedding dress is beautifully designed and detailed with a draped and pleated front and deep V at the back. An exclusive, luxurious look from Autograph for your wedding day

Village Scene Multipack of Easter Card, at Marks & Spencer
Cover text: design 1: Easter Hope, design 2: Peace at Easter-time Inside message: Both designs: wishing you happiness at Easter 6 cards, 2 designs Approx size: 145 x 70mm

Pure Cotton Long Sleeve 'Little Builder Buddies' T-Shirt, at Mark & Spencers
Fun and comfy, this practical pure cotton long sleeve 'little builder buddies' t-shirt features a motif desgn. The shoulder poppers make it easier to dress him

Pure Cotton Straight Leg Jeans with Belt, at MarksandSpencer
These straight leg jeans in pure cotton are great value. A practical, easycare style

Detroit Extending Dining Table, at Marks and Spencer
H75 x W90 x L160cm (extends to L205cm) Comes with extension leaf to seat 8 Extension leaf is stored beneath the table top Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs 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 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

M&S Alarm Clock Radio, at Marks and Spencer
Dual alarm function FM radio Line-in for MP3 and CD players Plays mood enhancing sounds - daybreak, the ocean, running water fields 4 different ways to wake up - to music from your iPod, radio, alarm tone or mood enhancing sounds 6W x 2 output power Compatible with iPod classic, nano gen. 2, 3 & 4, touch gen. 1 & 2 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

Holiday Puzzle Book, at Mark's & Spencer
Whether you are relaxing on the beach, or travelling to your tropical getaway, this brand new collection of puzzles will put your solving skills to the test. Inside you will find crosswords, wordsearches, sudoku, word and number puzzles, plus many other both new and familiar puzzles to challenge and entertain you

Per Una Floral Print Low Rise Shorts, at Marks & Spenser
Fresh and feminine, these stylish shorts feature a floral print and multiple bow detail. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion

Post Surgery Total Support Non-Wired Bra, at Marks&Spencer
When we were challenged to produce a range of beautiful, post surgery garments, we wanted to get it right - so we asked women affected by breast cancer what they wanted. The result is a range of gorgeous, feminine lingerie designed to feel incredibly comfortable and the perfect fit for you. Every element has been considered for maximum comfort against delicate scar tissue. This lingerie has been extensively tested so you can be confident that every part stays in place

Portfolio V-Neck Front Pleat Dress, at M&S
Fashionable and modern, this knee length dress features a v-neck and front pleat detail. A flattering, stylish look

Autograph Positano Dining Table, at Marks and Spenser
All-weather synthetic rattan Aluminium frame Glass top H76.5 x Diam 130cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

A Touch of Class, at Marks and Spencer
Veuve Hennerick Champagne (75cl, 12% alc vol) Belgian chocolates (155g) Presented in blue satin lined box with a pull-out tray for chocolates Price includes delivery Licensing Act 2003: it is an offence for any person under 18 years to buy or attempt to buy alcoholic liquor Looking to place a corporate bulk order? Please call 0845 6020602 This product is not available for international delivery. Find out more

Silver Plated Slinky Knot Tassel Earrings, at Marks and Spencer
Hook fastening Tassel design Knot detail For hygiene reasons, refunds will only be given in accordance with your legal rig

Halterneck Swimsuit, at MarksandSpencer
Feminine and glamorous, this swimsuit is designed to fit and flatter. The halterneck makes it even more stylish

Panasonic 26" TX-L26X10 HD Ready LCD TV, at Marks and Spencer
HD Ready: Displays images in HD resolution, defined for HDTV use, when connected to an HD compatible device Display: 26 inch plasma display, 1,049,088 (1,366 x 768) pixels Contrast (Dynamic): 30,000:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: W66.4 x H43.4 x D11.9cm (without stand) W66.4 x H47.4 x D21.7cm (with stand) Weight: 10.5kg (with stand) V-Audio: Unique sound technology that delivers crystal-clear sound with superior bass performance Connectors: 3 HDMI, 2 Scart, PC Input, S-Video Input, Headphone Jack, Composite Video Input VIERA Superior Picture Quality: The VIERA system provides richly expressed images with enhanced contrast SD Card Slot: View your treasured photos on the big screen by simply removing your camera's memory card and sliding it into the SD card slot 24p Playback: High speed playback of images to recreate the full cinematic experience VIERA Link: Enables you to control all your AV systems with only one remote Use wall mountT042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Freshfeet Plain Velour Slippers, at Marks & Spencer
With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology is permanently built in to the slipper and still performs after many washes Freshtech™ technology combats the bacteria that causes bad smells and odours Antibacterial for fresh feet comfort Slip on Round Toe Flat sole

Sprung-Edge 4 Drawer Divan & Autograph M500 Mattress - Medium, at Marks & Spenser
No turn mattress Mattress and divan are anti-allergy Mattress: spring count 1225, depth 27.5cm Divan height: 41.5cm Divan drawer size: 4 x large H15 x W78.4 x D53cm Single 3ft: W90 x L190cm (has 2 large right- or left-hand drawers) Double 4ft6: W135 x L190cm King size 5ft: W150 x L200cm Super king size 6ft: W180 x L200cm This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer, Manufacturer: Marks & Spencer

Silver-Plated Photo Frame with Double Mount 13 x 18cm (5 x 7''), at Marks and Spencers
Rectangular shape Double mount Removeable mount card Aperture: 13 x 18cm (5 x 7''), Manufacturer: Marks & Spencer

2 Per Una Essentials Clover Embroidered Thongs, at Marks and Spencer
Feminine and delicate, this pack of 2 stylish thongs feature a delicate front panel in soft stretch lace. The high leg style gives a close, figure-flattering fit. Pretty everyday fashion

Palataia Pinot Grigio 2008 - Case of 12, at Marks & Spencers
Style: Dry Grape variety: Pinot Grigio Country of origin: Germany Closure: Screw cap Bottle: 12 x 75cl. Alcohol volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Autograph Leather Side Lace Bumptoe Shoes, at Marks & Spencer
Tramline design Side lace Stitch detail Square bumptoe Small block heel

First Readers Jack and the Beanstalk, at Marks and Spencer
This popular story is part of the First Readers range. Jack thinks he's clever to sell their old cow for five magic beans. But Jack's in trouble as his mother thinks the beans are worthless and throws them away. Find out what happens next!

Linen Blend Origami Design Skirt, at Marks and Spencers
The pretty stitch detail and flattering fit on this cool skirt with linen adds an extra feminine touch to a summer classic

3/4 Sleeve Blossom Print Blouse, at Marks and Spencer
Feminine and elegant, this sophisticated blouse is beautifully designed and cut for a flattering shape and features a striking blossom print

Blue Harbour Linen Blend Check Shirt, at Mark's & Spencer
Relaxed and stylish, this check shirt is made from a blend of linen and cotton so it feels cool and comfortable to wear

5 Pairs of Ankle Length Sport Socks with Cool&Fresh, at Marks and Spencer
These sports socks feature a cushioning sole for shock absorption and comfort. Knitted arch support keeps them in place during exercise

Chrome Wall Clock with Temperature Gauge, at Marks and Spencers
Circular design Wall mountable Numeric characters Temperature gauge Diam 52cm, Manufacturer: Marks & Spencer

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 and Spenser are so useful. M+S 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, Home Insurance policies. Usually, UK Home 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 Home 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 Home Insurance than you will anywhere else, and you may even pay less with M&S.