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

Nonetheless, many features are standard to both the Premier and the Standard Motor 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 Motor Insurance from Marks & Spencer Money, 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&Spencer are so useful. M&S Money Direct financial products are, of course, designed to make MarksandSpencer 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 Direct 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 Direct Home Insurance than you will anywhere else, and you may even pay less with M&S.

When you're shopping at Marks & Spenser 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 Money Direct. Offering everything from savings accounts and credit cards, to Home Insurance and Motor Insurance, there's a lot more going on at Marks and Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Money Direct. 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 Money Direct, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Money Direct 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."

Soft Grip Skimmer, at Marks & Spensers
Grip handle Hole in handle for hanging storage, Manufacturer: Marks & Spencer

5 Pure Cotton Assorted Monster Bodysuits, at Marks & Spencer
Cute and practical, this pack of 5 bodysuits is great value. Popper fastenings and envelope necklines makes quick changes easy and the soft cotton fabric will keep him feeling comfy and happy

Emergency Vehicles Sticker Book, at M+S
Get ready to save the day with this Emergency Vehicles Sticker Book. Featuring 40 emergency vehicle themed stickers, this great set also includes a fact book, activity book and a colourful sceneboard

Autograph Skinny Plain Tie, at Marks & Spensers
Cut narrower for a contemporary look, this skinny tie adds a smart finishing touch. Ideal for sixth form wear

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

Castillo del Moro Airen Sauvingon Blanc 2008 - Case of 12, at M&S
Style: Dry Grape variety: 85% Airen and 15% Sauvignon Blanc Country of origin: Spain Closure: Screw cap Alcohol by volume: 11% vol. Alcohol units per bottle: 8.3 Alcohol units per 125ml: 1.4 You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Nintendo Wii™ Classic Controller, at Marks & Spensers
The Classic Controller is connected to the Wii Remote by a short cable. The Wii Remote provides the Controller with a wireless connection to the Wii console. The Classic Controller is primarily used for playing Virtual Console games available for download from the Wii Shop Channel. Some Wii Disc games also use the Classic Controller. Check the back of Wii game packaging to see which games are compatible 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

Soft Vanilla Infusion Sticks, at Marks&Spencer
Glass container Long lasting infusion sticks Vanilla scented, Manufacturer: Marks & Spencer

Sony NAS-SC500PKE Giga Juke Hi-Fi System, at Marks & Spencers
Multi-room package for wireless streaming New design refresh and superb sound quality speakers 160GB HDD (store up over 40,000 songs) Total 100w RMS (50w x2) with digital amplifier iPod Cradle Direct WALKMAN dock on top DAB/FM/AM tuner Auto title labelling (update through Internet) Quick and easy music file transfer (import from PC) USB MP3 Recording/ Playback/Charging Sense Me

Sony VAIO VGN-NS20E Laptop, at Marks & Spenser
Processor: Intel Pentium Processor T3400 with Enhanced Intel SpeedStep Technology Processor speed: 2.16 (GHz) RAM: DDR2 SDRAM (1x2GB, 1x1GB) Screen: (Diagonal Size) 15.4" X-black LCD, resolution 1280 x 800, aspect ratio - 16:10 Operating System: Genuine Windows Vista Home Premium Hard Drive: 250GB Serial ATA - 5400 rpm Graphics card: Mobile Intel Graphics Media Accelerator 4500M Memory stick slot: Memory Stick™ Std / Duo, Memory Stick™ PRO Std / Duo, high speed data transfer, SD card Digital camera: Built-in 'Motion Eye' Digital Camera, Frames per Second 30, Image Sensor 1.3 mega pixels, Motion Pictures max. Resolution 1280x1024 (SXGA) Optical Drive: Built-in DVD+-RW/+-R DL/RAM optical drive Interfaces: 4 Pin i.LINK™ (IEEE1394), 400 Mbps x1, DC in x1, Memory Stick™ Slot x 1, Microphone Jack (Stereo) x 1, RJ-11 Direct Port (Modem) x 1, RJ-45 Direct Port (Network) x 1, USB Port 2.0 x 4, VGA Connector for Monitor x 1, Express Card Slot x 1, SD Card Slot x 1 Connectivity: Built-in Modem V.92/V.90, Integrated Wireless LAN, Ethernet network 10BASE-T/100BASE-TX/1000BASE-T Battery: Lithium-Ion battery (VGP-BPS13B) - Battery Life 225 minutes, Actual battery life will vary depending on your specific hardware and software configurations. Benchmark: MobileMark 2007 Video & TV software: Me&My VAIO, VAIO Content Importer / Exporter, WinDVD 8 for VAIO, VAIO Movie Story Audio software: VAIO Music Box, Windows Media Player 11 Photo software: Picture Motion Browser, VAIO Movie Story CD-DVD burning software: Easy Media Creator 9, Click to Disc/Editor Office application software: Adobe Reader 8.1, Microsoft Office Ready 2007 (60 days Try & Buy) Security & other software: McAfee Internet Security Suite (with 60 days free virus update), VAIO Recovery Utility - HDD recovery (hidden partition), Google software package Accessories included: AC Adaptor, Battery, Power Cord Dimensions: D 270 x H (min - max) 31.4 - 38.0 x W 360mm Weight: Weight with Supplied Battery and Supplied Drive (kg) 2.9 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

2 Autograph Cotton Rich Cropped Leggings, at Marks & Spenser
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

Dinner Candle Holder, at Marks and Spencer
Fluted opening Two tone glass design Long stem Wide base Hand decorated H33 x Diam: 8.8cm Weight: 0.45kg, Manufacturer: Marks & Spencer

Collezione Luxury Wool Rich Trousers with Cashmere, at Marks n Spencer
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on these trousers to give you a feeling of luxury like no other

Taper Dinner Candle Holder, at Marks and Spencers
Tapered design Dimensions: H22cm, Manufacturer: Marks & Spencer

Gold Rope Photo Frame 13 x 18cms (5 x 7"), at Marks & Spencers
Gold rope design Aperture: 13 x 18cms (5 x 7"), Manufacturer: Marks & Spencer

Daisy Pearl Four-Tier Cake, at Marks&Spencer
150 portions Four tier set of four cakes: Small - diam 9.5cm, Medium - diam 15cm, Large - diam 20cm, Extra large - 25cm, Sponge cake: All-butter sponge filled with buttercream. Can be eaten up to 5 days after collection Chocolate cake: Rich chocolate cake filled with chocolate ganache. Can be eaten up to 5 days after collection Total height (including board): 35.5cm Total weight: 5.9kg Not suitable for nut allergy sufferers Suitable for vegetarians Comes in a box suitable for storing the cake before serving As featured on page 58 of the Food to Order brochure Order by 5pm to collect in 21 days Available for collection in the majority of our UK mainland stores

Animal Print Trim Bodyshaper Swimsuit, at Marks & Spencer
Modern and stylish, this stylish swimsuit shapes and smoothes your figure, giving you a flattering fit. Designed to fit and flatter

2 Older Girls' Plain Crop Tops, at Marks and Spencer
Cute and comfortable, these comfy crop tops make a great way of getting girls used to the idea of wearing bras

Heart Pointelle Thermal Leggings, at Mark's & Spencer
Keep warm and comfortable in these soft thermal leggings. Cosy without being bulky, they make the perfect extra layer for cold weather

Per Una Button Long Sleeve Cardigan, at M+S
A beautiful long sleeve blouse in pure soft cotton featuring an open neck design and button detail

Pure Cotton 3/4 Sleeve Square Neck Top, at Marks & Spencer
For casual elegance, you can't beat this stripe square neck top. A great value cotton essential

The Floral Collection Lavender Purse Gift Set, at Marks and Spenser
Pack of 3 Moisturising Hand and Body Lotion: 50ml Moisture Rich Foaming Bath Cream: 50ml Moisture Rich Shower Cream: 50ml Lavender fragrance Presented in a purse Moisturising Hand and Body Lotion Ingredients: Aqua, Glycerin, Paraffinum Liquidum, Cetearyl Alcohol, Petrolatum, Parfum, Lavandula Angustifolia (Lavender), Glyceryl Stearate, Polysorbate 60, PEG-100 Stearate, Isopropyl Palmitate, Dimethicone, Panthenol, Disodium EDTA, Imidazolidinyl Urea, Methylparaben, Acrylates/C10-30 Alkyl Acrylate Crosspolymer, Triethanolamine, Propylparaben, Xanthan Gum, Linalool, Butylphenyl Methylpropional, Coumarin, Hydroxyisohexyl 3-Cyclohexene Carboxaldehyde, Alpha-Isomethyl Ionone, Phenoxyethanol, Isobutylparaben, Ethylparaben, Butylparaben Moisture Rich Foaming Bath Cream Ingredients: Aqua, Sodium Laureth Sulfate, Sodium Chloride, Cocamidopropyl Betaine, Decyl Glucoside, Parfum, Lavandula Angustifolia (Lavender), Glycol Distearate, Sodium Sulfate, Glycerin, Laureth-4, Disodium EDTA, Styrene/Acrylates Copolymer, Linalool, Butylphenyl Methylpropional, Magnesium Nitrate, Citric Acid, Sodium Lauryl Sulfate, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, Phenoxyethanol, Methylparaben, Butylparaben, Ethylparaben, Isobutylparaben, Propylparaben Moisture Rich Shower Cream Ingredients: Aqua, Sodium Laureth Sulfate, Sodium Chloride, Cocamide DEA, Lavandula Angustifolia (Lavender), Decyl Glucoside, Lauryl Betaine, Parfum, Styrene/Acrylates Copolymer, Disodium EDTA, Polyquaternium-39, Glycerin, Linalool, Citric Acid, Magnesium Nitrate, Sodium Lauryl Sulfate, Methylparaben, Methylchloroisothiazolinone, Propylparaben, Magnesium Chloride, Methylisothiazolinone, Phenoxyethanol, Butylparaben, Ethylparaben, Isobutylparaben

Floral Lace Footsies, at Marks&Spencer
These soft floral lace footsies are designed to hide inside your shoes for extra comfort

Coloured Numbers Square Face Watch, at Marks and Spencers
Square face Coloured numerals Analogue Plain strap

Ultimate Non Iron Long Sleeve Stripe Shirt, at Marks&Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Footglove™ Wide Fit Stitch Shoes, at Marks and Spencers
Round toe Stitch detail Buckle fastening Heel height 48mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Navarra Side Table, at Marks & Spencers
H52 x W48 x D48cm Made from solid oak and oak veneer Finished with a low-sheen lacquer that provides added durability Legs made from solid wood 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

Cream Floral and Polka Dot Place Cards - Pack of Ten, at Marks & Spenser
10 cards, 1 design Flat: 90 x 90 mm Folded: 45 x 90 mm

Ceriso Floral Print Padded DD-G Bra with Silk, at Mark & Spensers
Gorgeously feminine, this modern bra features a rose print and is finished with a lace trim. It's underwired and structured to give fuller busts great support and a fabulous uplifted shape. Designed for women who want the latest look

5 Lace Thongs, at Marks and Spencers
These comfy thongs merge a lace 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

M&S Money Direct 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 Direct 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 Mark's & Spencer 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's:

• 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 Direct UK and European Breakdown Cover, since it covers you as a passenger too.