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

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks and Spencer, 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 and Spenser Motor Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services 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 Financial Services 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 & Spenser purchases are also protected while you take them home.

Also, on both M&S Financial Services 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 Financial Services 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 Financial Services 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 Marks & 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:

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

Short Sleeve Pointelle Knitted Jumper Dress, at Mark & Spensers
Fashionable and flattering, this knitted jumper dress features pointelle design. A glamorous modern look

Mechanical Bathroom Scales, at Marks & Spencers
Mechanical Non-slip design H5.5 x W30.1 x D29.4cm Max weight: 19st, Manufacturer: Marks & Spencer

Handcrafted Laser Cut Fairy Cakes Mother's Day Card, at Marks and Spencer
Cover text: For my Gorgeous Mum Inside message: On Mother's Day Approx size: 178 x 126mm

Seville Antique Brass Double Towel Rail, at Marks & Spenser
Double rail Wall mounted H13.7 x W51.58 x D18.17cm, Manufacturer: Marks & Spencer

Perfect Pure Cotton Lightweight Stripe Jersey Scarf, at Marks & Spencer
This sophisticated lightweight jersey scarf is the perfect accessory to this season's fashions. The stripe design adds a stylish finishing touch

Albany Cereal Bowl, at Marks and Spenser
Versatile fine dining range Suitable for everyday use Diam 18cm Makes an ideal gift, Manufacturer: Marks & Spencer

Perfect Collezione Single Breasted 2 Button Jacket, at Marks & Spensers
This beautifully soft jacket is both durable and versatile. Wear it to the office with a shirt and tie, or just over a jumper with jeans at the weekend

Single Sprung-Edge Divan with 2 Large Drawers, at Marks and Spencer
Single: W90 x L190cm Divan height: H41cm Sprung-edge divan - can be used with any mattress 2 x large drawers Drawer size: H14 x W78 x D52cm Choose either left or right-hand drawers Feet are castors Solid wooden frame All divans are manufactured in the UK All our mattresses and divans are anti-allergy, which means the provide effective protection against dust mite allergies, so you'll have a trouble free sleep 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 , Manufacturer: Marks & Spencer

Bereche Brut Reserve Champagne - Case of 6, at Marks & Spencers
Style: Grape variety: Chardonnay, Pinot Noir and Pinot Meunier Country of origin: France Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 12% vol. 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

RealCool Cotton™ Active Performance Cotton Rich Joggers, at Marks & Spensers
Perfect for active wear, these RealCool Cotton™ Performance joggers are made from high-performance breathable stretch fabric. They're designed in the latest style for a great fit and essential ease of movement

Classic Non-Wired Jacquard Bra, at Marks & Spencers
Non-wired to provide you with a more natural silhouette. This great bra offers superior support thanks to adjustable straps and added stretch, while the easycare design guarantees convenient comfort

2 Plain Non-Padded T-Shirt Bras, at Marks & Spenser
Soft and comfortable, these non-padded t-shirt bras are outstanding value

Autograph Stud Detail Umbrella, at Marks and Spencer
Brighten up rainy days with this stylish lightweight umbrella

Autograph Pure Silk Christening Gown, at Marks & Spencer
Beautifully embellished with a pleated bodice, this special dress is so pretty. The soft silk will keep her feeling comfy and happy. With luxury in every detail, this is part of our exclusive Autograph collection

Linen Blend Broad Brim Summer Hat, at Marks and Spencer
Express your stylish side with this wide brim hat

Per Una Assorted Charms Stretch Bracelet, at Marks & Spencer
Stretch style Mix bead design Assorted charms

Autograph Long Sleeve Satin Stripe Shirt, at Mark's & Spencer
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a contemporary satin stripe design

Pure Cotton Pleated Skirt, at M&S
Elegant and feminine, this skirt is a stylish, versatile choice. A modern look that works dressed up or down

Sony CMT-LX401 Micro Hi-Fi, at Marks and Spencer
AM/FM/DAB radio 2 x 5w (RMS) power output CD+ -R/CD+ -RW playback Digital input 4 graphic equaliser presets Enables you to operate your equipment from a remote handset Hi-Fi unit dimensions: D20.5 x H22.1 x W20cm Weight: 8.6kg This product is not available for international delivery. Find out more 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

Compact Plain Umbrella, at Marks & Spencer
Brighten up rainy days with this stylish lightweight umbrella

Per Una 3/4 Sleeve Fluffy Cardigan, at Marks & Spencer
A fashionable 3/4 sleeve fluffy cardigan in textured fabric featuring a mixed style button fastening

Stainless Steel Non-Stick Wok with Lid, at MarksandSpencer
Diam 30cm Double handles Glass lid Dishwasher safe, Manufacturer: Marks & Spencer

5 Pairs of Long Butterfly Socks, at Mark's & Spencer
With added stretch ensuring they stay up all day long, these cotton rich knee high socks are a perfect option for the coming school year

Petite Sleeveless Ponte Top, at Mark's & Spencer
Smart and stylish, this sleeveless ponte top features a deep v-neck. Specially designed and perfectly proportioned for the petite frame

Fox Gordon Brothers and Sisters Shiraz 2005 - Case of 6, at Mark's & Spencer
Style: Dry, full bodied Grape Variety: Shiraz (Syrah) Country: Australia Closure: Screw cap Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

All Whites - Case of 12, at Marks and Spencers
2 Mcon Millly-Lamartine Blanc 2007: It's so difficult to find good value white Burgundy these days, which is exactly why this wine is a real gem. With aromas of roasted peach and grilled nuts... 2 Trentino Chardonnay 2008: A scrumptious, lip-smackingly fresh style of Chardonnay from the mountain slopes of northern Italy... 4 Turn the Table Sauvignon Blanc 2008, Durbanville: A lively and invigorating Sauvignon Blanc with crisp acidity and a lovely touch of spice on the finish. Classic flavours of cut grass and freshly podded peas are complimented by a note of tangy lemon... 4 El Tidon Sauvignon Blanc 2008: Packed full of fresh, spicy flavour, this Spanish Sauvignon Blanc offers outstanding value for money... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Wide Fit Leather Apron Loafers, at Marks and Spencer
Round toe Contrast apron stitch Twin gusset Slip-on Wide fit

Pure Cotton Ruffle Pintuck Top, at Marks & Spencer
This short sleeved top will make a useful addition to your wardrobe. It features smart pintuck details for a stylish casual look

Ultimate Stormwear™ Pure New Wool Flat Front Trousers, at Marks & Spenser
A sharp cut, stretch wool fabric and water repellent Stormwear™ finish makes them ideal for wearing in the office or on the move

Pocket Swiss Ball, at Marks & Spencer
This pocket size Swiss Ball book is jam packed with fun tips to help you improve how your body looks, feels and works, giving both your mind and body a good workout

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 n Spencer are so useful. M&S Financial Services financial products are, of course, designed to make Marks & Spensers 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, Property Insurance policies. Usually, UK Property 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 Financial Services Property 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 Financial Services Property Insurance than you will anywhere else, and you may even pay less with M&S.