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

M&S Finance 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 Finance 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 & Spensers 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, Sainsbury's, 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 Finance UK and European Breakdown Cover, since it covers you as a passenger too.

When you're shopping at Marks & Spencer online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M&S Finance. Offering everything from savings accounts and credit cards, to Home Insurance and Car Insurance, there's a lot more going on at M & S than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Finance. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M&S Finance, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Finance website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."

Handcrafted Shoes Mother's Day Card, at Mark & Spensers
Cover text: When I grow up I want to be just like you Inside message: With love on Mother's Day Approx size: Unfolded: 178 x 126mm

24 Vegetarian Filo Selection, at Marks and Spenser
Contains 24 pieces Serves 6 Ready to cook Suitable for freezing Suitable for vegetarians 490g As featured on page 14 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Glitter Small Gift Bag, at Marks and Spencer
Contains: 1 gift bag Approx size: H160 x W160 x D90mm

Large Print Crossword Book, at Marks & Spenser
There are 160 straight forward crosswords in this brand new book. Whether you have only a few moments, or hours to devote to your favourite puzzles, these crosswords will challenge and entertain you

Sony Bravia 20'' KDL-20B4050 Portable HD Ready LCD TV, at Marks and Spencer
HD Ready: Enjoy clearer, sharper and more vibrant images with this 'High Definition' ready TV. Perfect for the display of High Definition signals, i.e PlayStation3, Blu-ray Disc™ etc. Display: 20 inch LCD, Display Resolution: 1366 x 768 pixels Contrast: On screen contrast; 700:1. Dynamic contrast; 5000:1 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: W51.6 x H37.3 x D12.4cm (with table stand) Weight: 7.5kg (including stand) Surround Sound Effect: BBE ViVA high quality sound and built-in Virtual Dolby creating the effect of full surround sound from only 2 front speakers Connectors: 2 x scart sockets, 1 x HDMI™ port, PC input + audio in, 4 pin (Y/C) In (S Video) BRAVIA Engine Picture Enhancement: It uses the advanced BRAVIA engine to create stunning images with enhanced clarity, depth and definition Audio Description Compatible: Audio Description compatible allowing for blind or partially sighted people to follow television programmes (where available) BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button 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 Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band Aerial. Suitable portable TV Aerials can be used to receive freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using a indoor aerial Use wall mount

Adored Pure Cotton Stripe Minishirt, at M+S
Stylish and elegant, this flattering stripe minishirt is part of our feminine Adored collection. It's made from soft pure cotton for the ultimate in comfort

Pure Cotton Short Sleeve Spencer Motif Minishirt, at M & S
Fun and fashionable, this spencer motif minishirt is made from soft breathable cotton for a comfortable night's sleep

7 Denier Ladder Resist Ultra Sheer Tights, at Marks&Spencer
Our new innovation in fabric technology incorporates stretch into every single stitch to create an even, lightweight design and comfortable fit that's ladder resistant and simply a dream to wear

Charles Freminet Brut Champagne NV - Case of 6, at Marks & Spencer
Style: Dry Grape variety: Pinot Noir, Pinot Meunier & Chardonnay Country of origin: France Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 12% Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Long Sleeve Tab Pocket Stripe Cardigan, at Marks and Spenser
This casual v-neck cardigan makes the perfect light extra layer. It features front tab pockets for an extra stylish touch

Portfolio Pure Linen Sleeveless Shift Dress, at Marks & Spenser
This fresh fashionable dress in cool pure linen is beautifully styled and detailed with contrast trim and waistline

2 Younger Boys' Pure Cotton Pull On Hats, at Marks and Spencer
Add a stylish finish with these pull on cotton hats

Medium Dylan the Dog, at Marks & Spencers
Suitable from 12 months This product conforms to the EN71 and the Toy Safety Directive H30cm, Manufacturer: Marks & Spencer

1001 Little Fashion Miracles by Caroline Jones, at M+S
Everything you need to know on styling, accessorizing and shopping. It will help you look your best in all types of circumstances. It also illustrates how to choose fabrics and cuts that flatter your figure, how to get the perfect balance between under dressing and overdressing, and how to create a striking silhouette that looks elegant but not contrived

Per Una Essentials Clover Embroidered Padded Plunge Bra, at Marks & Spencers
Feminine and delicate, this stylish bra is beautifully embellished clover embroidery. It's underwired for extra support and the plunge style gives an enhanced shape. Pretty everyday fashion

Secret Support™ Slip on Boots, at Marks and Spencer
Round toe Faux fur lining and trim Slip on Flat sole

Ceriso Lace Trim Animal Print Shorts, at Marks and Spenser
Gorgeously feminine, these modern shorts feature an animal print and lace trim. The low rise, low leg style gives a flattering, shapely fit. Designed for women who want the latest look

Classic Collection Floral Print Sleeveless Dress, at Marks & Spensers
Pretty and feminine this lovely dress is made from soft floral print fabric. A fashionable style with a comfortable, flattering fit

Gold Finish Wood Photo Frame 20 x 25cm (8 x 10"), at Mark & Spensers
Rectangular frame Pine wood border Gold finish Aperture: 20 x 25cm (8x10") Dimension: H30.5 x W38.1 x D2.7cm, Manufacturer: Marks & Spencer

Ruby Side Plate - Black, at Marks and Spencers
Plain centre Stripe edge Diam 21.5cm, Manufacturer: Marks & Spencer

Linen Blend 3/4 Sleeve Floral Print Blouse, at Marks and Spenser
Pretty and feminine, this 3/4 sleeve blouse is made from crisp blend of cotton and linen and features floral print design

Zip & Button Cropped Trousers, at Marks and Spenser
A stylish summer staple at home or on holiday. Just add a t-shirt and flip flops

3 Piece Cotton Rich Animal Print Outfit, at Marks & Spencer
Fun and practical, this cute 3-piece outfit features animal print lining. It's made from soft cotton rich fabric to keep him comfy

Cotton Rich Side Stripe Tracksuit Joggers, at M+S
Relaxed and comfortable, these easycare side stripe tracksuit joggers are made from cotton rich stretch fabric for ease of movement and great shape retention.

Machine Washable Diagonal Multi Stripe Tie, at Marks and Spencer
No more trips to the drycleaners! This striped tie is machine washable

Short Sleeve 3 Button Jacket, at M+S
Chic and stylish, this short sleeve jacket makes a great choice for work or smart occasions. It's machine washable for added convenience

Autograph Loretto 2 Left-Hand Chaise & Coffee Table/Footstool Set, at Marks & Spenser
3 piece set - 2 chaise longue and 1 combination Coffee Table/Footstoolfootstool Coffee Table/Footstool has a removeable top cushion. Can be used as a footstool or a coffee table All-weather synthetic rattan Silver-effect rattan Quick drying foam seat pad in 100% polyester Chaise dimensions: H62 x W200 x D97.5cm, seat H30.5cm Coffee Table/Footstool dimensions: H30.5 x W80.5 x L80.5cm Suitable for indoor or outdoor use *Save 30% when you buy this set. Individually 2047. Save 648. Cannot be used in conjunction with any other offer This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Essentials Mock Layer Vest Top, at Marks and Spencer
This sleeveless vest top will make a useful addition to your wardrobe. It features smart mock layer design for a stylish casual look

Sleeveless Linear Dress, at Marks & Spenser
Chic and stylish, this sleeveless linear dress makes a great choice for work or smart occasions. It's machine washable for added convenience

Miele Cat & Dog TT5000 Cylinder Vacuum Cleaner, at Mark's & Spencer
2200 watts 4.5 litre dust bag capacity 10 metre operating radius Smooth running 360 swivel castors. Castors mounted on steel axles to ensure excellent maneouvrability 6 variable power settings - 300-2200W Turbobrush STB 205-3 - Perfect for picking up pet hair from carpets Supplied with a Active Air Clean filter, combines the super Air clean filter with an active charcoal cassette to absorb odours. Ideal for pets owners HEPA 12 certification for complete vacuum cleaner - According to the European Standard EN 1822. Discharged Air is cleaner than the ambient room air (when used with HEPA filter) Bumper strip to protect vacuum cleaner and your furniture Mini Turbobrush STB 101 - Ideal for vacuuming stairs and removing pet hair from upholstery Vacuum motor features thermal safety cut-out and electronic gentle motor start-up Dust bag change indicator - Signals when the dustbag needs to be replaced Comes with 2 HyClean dustbags - The new HyClean dustbag sets new standards in filtration, dust-absorption, hygiene and safety Six Step Rotary Dial - To adjust the suction power for different floorings Silence setting - Ideal combination of low noise level and cleaning performance Recommended for Loop Pile carpet, Deep Cut Pile carpet and furniture Dimensions: L45cm Weight: 7.7kg 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 , 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 & Spencers are so useful. M&S Finance financial products are, of course, designed to make M & S 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 Finance 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 Finance Home Insurance than you will anywhere else, and you may even pay less with M&S.