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

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Mark & 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 and Spencer are so useful. Marks & Spencer Money financial products are, of course, designed to make Marks and Spencers 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, Buildings & Contents Insurance policies. Usually, UK Buildings & Contents 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 Marks & Spencer Money Buildings & Contents 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 Marks & Spencer Money Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Marks & Spencer 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 Buildings & Contents 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 Buildings & Contents 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, Marks & Spencer Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Green Seersucker Stripe Bedset, at Mark's & Spencer
Assorted stripe design Single set includes single duvet cover (3ft) and 1 pillowcase Double set includes double duvet cover (4ft 6in) and 2 pillowcases King size includes king size duvet cover (5ft) and 2 pillowcases, Manufacturer: Marks & Spencer

Dualit Dome Kettle - Cream, at Marks & Spenser
3000 watt rapid boil concealed element 1.7 litre capacity Water level viewing window High quality 18:8 grade stainless steel body Laser cut stainless steel water filter Boil dry safety feature Heatproof handle, knob and finger-guard Ergonomic handle for easy pouring Non-drip spout Cordless operation with axis rotary base and cord tidy Dimensions: H25cm 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

Ultimate Non Iron Pure Cotton Royal Oxford Shirt, at M+S
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Long Sleeve Ribbed Trim Satin Button Cardigan, at Marks & Spenser
Casual and modern, this cardigan features satin buttons. A versatile, easywear style

M&S Corded Phone, at Marks & Spencers
13 number memory Wall mountable Last number redial Adjustable ringer volume Mute facility Recall facility Large buttons 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

Venetian Floral Mirror, at Mark's & Spencer
Venetian design Rectangular shape Frosted floral detail H85 x W51cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Silver Plated Trinket Y Design Necklace & Earring Set, at Marks and Spencer
2 part set Y design necklace Butterfly fastening stud earrings

Per Una Pure Linen Patchwork Jacket, at Marks and Spencers
An elegant single breasted jacket in pure cool linen. The stitch detail patch effect gives it the Per Una touch

Collezione Wool Rich Single Breasted 2 Button Navy Stripe Jacket, at Marks & Spenser
Italian tailoring is renowned for its sophisticated style. Each collezione suit 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 this garment to give you a feeling of luxury like no other

Silver Perfume Bottle Birthday Card, at Marks and Spenser
Cover Text: Gorgeous Girl Inside Message: Blank for your own message Approx size: 174 x 126mm

Cotton Blend Stripe Pyjama Bottoms, at M+S
Pretty and feminine, these comfortable pyjama bottoms feature stripe design

Girls' Limited Cable Knit Sleeveless Waistcoat, at Marks & Spenser
Part of Girls Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Flat Front Crease Resistant Stripe Trousers, at Marks & Spenser
Stay smarter for longer with these innovative crease resistant trousers

3 Autograph Cotton Rich Stripe Trunks, at Marks and Spencers
Comfortable, practical and fashionable, this 3 pack of trunks is made with soft breathable cotton

Cotton Rich Stitch Detail Bootleg Jeans, at Marks and Spencers
Flattering and fabulous, bootcuts make legs look longer and are kind to curves. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Autograph Noire Eau De Toilette, at M&S
Eau De Toilette for women 100ml This product is not available for international delivery. Find out more

Etched Floral Mug, at Mark's & Spencer
Ideal for everyday use, durable Etched floral design Wide base, Manufacturer: Marks & Spencer

Floral Print Shorts, at Marks&Spencer
These pretty floral print shorts are shapely and modern. Added stretch gives a comfortable, figure-flattering fit

Salsa Floating Necklace & Earrings Set, at Marks and Spenser
2 part set Hook fastening drop earrings Multi strand mixed bead necklace with adjustable length and clasp fastening

Supima® Pure Cotton Non-Iron Housewife Pillowcase, at Marks and Spencers
Internationally recognised as the world's finest cotton High performance non iron finish offering the ultimate in easy care Supima is renowned for its superior strength, enhanced durability and sumptuous feel, Manufacturer: Marks & Spencer

Philips HQ7380 Electric Shaver, at Marks and Spencers
Precision cutting system: Ultra-thin heads with slots to shave long hairs and holes to shave the shortest stubble Reflex action system: Automatically adjusts to every curve of your face and neck Comfort shaving heads: The skin friendly profile enables smooth skin contact for a comfortable shave Super lift and cut technology: The dual blade system lifts hairs to cut comfortably below skin level Spring-released pop-up trimmer: Full width, pop-up trimmer is perfect for grooming sideburns and moustache Can be easily rinsed under the tap Corrosion-free heads Hair-collecting chamber Replacable head

Halterneck Floral Print Tankini, at Marks & Spensers
Great for splashing around in, this comfortable tankini features a floral print design

Autograph DD-G 2-Tone Embroidered Bra, at Marks and Spencers
Luxurious and elegant this bra features two tone embroidery. Stretch fabric and underwiring give a great fit and flattering uplifted shape. Beautiful exclusive lingerie

Glass and Brass Table Lamp, at M & S
Classic shade shape Diagnol stripes Contrast trim Brass stem Glass gem detail Round base H 50 x Diam 23cm Bulb: 60W BC GLS This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Bright Prints Lunch Bag, at Marks & Spenser
This bright green and blue bag is a great way to keep your sandwiches cool and fresh until lunchtime. The top of the bag rolls down and is secured with hook and loop fabric, and the bag is insulated to keep food cool

Per Una 3/4 Sleeve Drawstring Tunic, at M & S
A stylish longline tunic featuring floral and sequin design, finished with a drawstring waist

Official England FA Woven Lined Jogging Bottoms, at Marks & Spencers
A must for footie fans! These official FA England joggers feature a tie waist and the three lions crest. A modern easycare style in soft comfortable cotton

Celebrate Gift Card, at Marks and Spencer
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Leather Fan Purse, at Marks n Spencer
Flash your cash in style! Fashionable and functional, this leather fan purse features a stylish flat zip pull

Autograph Linen Blend Shirt & Cargo Shorts Outfit, at Mark & Spensers
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

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks n Spencer once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Mark & Spencers, through its Marks & Spencer Money website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Buildings & Contents Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.