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 Mark & Spensers, 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 & Spencers Money, you get more, and you pay less.

M&S Finance 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 Car 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; Car 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, M&S Finance Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

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 and 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 Marks and Spencer, through its M&S Finance website, offer a range of financial products which would not look out of place in many banks, including M&S Car 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.

California Zinfandel Rosé 2008 - Case of 12, at Mark & Spensers
Style: Medium dry Grape variety: Suitable for vegetarians Country of origin: USA Closure: Screw cap Bottle: 12 x 75cl. Alcohol by volume: 10.5% vol Alcohol units per bottle 7.9 Alcohol units per 125ml 1.3 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Blue Harbour Heritage Pure Cotton Denim Shirt, at M+S
Relaxed and stylish, this denim shirt is made from pure cotton so it feels soft and comfortable to wear

Larson Chair, at Marks & Spencer
H90 x W67 x D87cm Seat H43cm, arm H64cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Back cushions made from fixed foam Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a medium finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Reds & Whites - Case of 12, at Marks and Spencers
1 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... 1 Trentino Chardonnay 2008: A scrumptious, lip-smackingly fresh style of Chardonnay from the mountain slopes of northern Italy. Charged with mineral, apple and nutty aromas... 2 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... 2 El Tidon Sauvignon Blanc 2008: Packed full of fresh, spicy flavour, this Spanish Sauvignon Blanc offers outstanding value for money... 1 La Tentation de Richelieu 2005: A powerful Bordeaux red which offers a wonderful combination of traditional flavours with ripe fruit concentration... 1 Chianti Riserva 2004: With its subtle, engaging flavours of sour cherry, dark chocolate and baked herbs, this is classic Chianti made in a highly approachable style... 2 Turn the Table Shiraz 2007: A deliciously juicy, fresh style of South African Shiraz that sets a new quality standard for affordable Cape reds... 2 El Tidon Tempranillo Cabernet Sauvignon 2008: A fresh and deliciously fruity red blend from the sunny vineyards of Castilla La Mancha in central Spain... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

24 Mini Cheese & Tomato Frittatas, at Marks and Spencer
Contains 24 pieces Serves 6 Ready to eat 672g As featured on page 13 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

Silver Plated Tiny Floral Sparkle Earrings, at Marks & Spensers
Butterfly fastening Diamant detail Floral design For hygiene reasons, refunds will only be given in accordance with your legal rights

Gold Plated Faux Pearl Trio Earrings, at Marks & Spencer
3 piece set Stud fastening Faux pearl design For hygiene reasons, refunds will only be given in accordance with your legal rights

Divan Sets - M100+SE END STORE, at Marks & Spencer
Manufacturer: Marks & Spencer

Oval Droplet Chandelier, at Mark's & Spencer
Cylinder Droplet design Steel rim H80 x W82 x D28cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Pure Cotton Stripe Satin Shirt, at Marks and Spencer
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Autograph 4-Piece Copper Base Saucepan Set, at Marks and Spenser
4 piece set includes: 16cm, 18cm and 20cm saucepans and single steamer insert High performance copper bases for even heat distribution Stainless steel for maximum durability and shine Riveted handles with silicone inserts for comfort and safety Twin pouring lips for left and right-handed cooks Unique glass straining lids for ease and safety Oven safe to a maximum of 180C/350F/gas mark 4 Suitable for all cooker types except induction, Manufacturer: Marks & Spencer

Aldea Red 2008 - Case of 12, at Marks and Spenser
Country of origin: Spain Closure: Screw cap Suitable for vegetarians and vegans Bottle: 12 x 75cl Alcohol by volume: 12% Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites This product is not available for international delivery. Find out more

Moulded Travel Eye Mask, at Marks & Spencers
Eye mask Lightweight design Carry pouch with drawstring fastening Plain

Jacquard Bonded DD-G Bra, at Marks & Spencer
Smooth and versatile, this jacquard bra is ideal for everyday wear. It's underwired and shaped for an uplifted natural look

Per Una Notched Leather Belt, at Marks & Spencer
A patent finish makes this fashionable belt even more special. Add a stylish finishing touch from Per Una

Stainless Steel Pot Strainer, at Marks and Spencers
Crescent shaped drainer Handle Hanging hook This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

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

Ultimate Sudoku Puzzles, at Marks and Spencer
Are you a Sudoku fan? Then you'll love the Ultimate Sudoku Puzzles. It's filled with over 600 different puzzles, has a spiral bound design for easy use and includes a pen too

Wool Rich Flat Front Stripe Trousers, at Marks n Spencer
Smart and contemporary, these trousers are made from a special wool blend fabric for extra strength, comfort and durability

Black & Decker® PV1205BN Dustbuster® Pivot® Vac, at M+S
12V power for maximum cleaning performance and efficiency - ideal for the more demanding clean-up tasks Pivoting nose enables easy cleaning of areas difficult to reach with conventional hand vacs The pivoting nose has 10 settings for maximum flexibility to clean in hard to reach areas such as underneath cupboards, or on shelves overhead Cyclonic action spins dirt away from the filter maintaining optimum suction power Double action filtration means product performs better and lasts longer Filter cleaning wheel for easy and hands free cleaning of the filter The side empty door is an easy to empty system which means all the dirt goes straight in the bin - hands dont touch the dirt! Built-in extendable crevice tool enables deep cleaning of confined spaces/small areas Innovative design is unique and stylish Accessories are stored on board, always at hand for your cleaning jobs Ergonomic design for comfortable use 2 speed switch for increased power control This product is not available for international delivery. Find out more

Back To School Water Bottle, at Marks & Spensers
Plastic dust cap Screw top for easy refill Aluminium bottle

Cashmilon™ Snake Print Tasselled Scarf, at Marks & Spencer
Keep warm, cosy and stylish in this fashionable snake print tasselled scarf made from supersoft cashmilon™

Fabric Dress Birthday Card, at Marks & Spencer
Cover text: Have a Wonderful Birthday Inside message: With lots of love Approx. size: 150 x 150mm

2 Floral Embroidered Bras, at Marks & Spencers
Soft and comfortable, this pack of 2 floral embroidered bras is great value. They're designed to give gentle support and a flattering fit

Pure Cotton Dobby Stripe Nightshirt, at Marks and Spenser
Pretty and feminine, this dobby stripe nightshirt is made from soft breathable cotton for a comfortable night's sleep

Garmin® eTrex Legend® HCx Handheld GPS, at Marks & Spensers
Free 2 year guarantee Deep foliage, nor canyons faze the rugged Garmin eTrex Legend. Its high-sensitivity receiver holds a GPS signal in the toughest environments. This handheld navigator has a black and white screen, microSD™ card slot and automatic routing for wherever adventure takes you

Younger Boys' Thomas & Friends© Sunglasses, at Marks & Spencers
Fashionable and fab, these Thomas & Friends sunglasses give 100% UV protection for safer style in the sun

Stainless Steel Food Timer, at Marks & Spensers
Twist setting timer, Manufacturer: Marks & Spencer

Older Girls' Heart Print Tankini, at Marks and Spencer
Fun and fabulous, this comfortable tankini is sure to make a splash!

15 Denier Ladder Resist Sheer Stockings, at Marks&Spencer
These stockings are specially designed with stretch in every stitch to stop ladders from forming. They're made using a super effective new fabric technology exclusive to M&S

Besides Marks and Spencer Car Insurance, M&S Finance Credit Cards and other financial products, M&S Finance Buildings & Contents 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 Finance 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 and Spencer purchases are also protected while you take them home.

Also, on both M&S Finance Premier Buildings & Contents Insurance and Standard Buildings & Contents 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.