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

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from M & S, 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 Money Direct, you get more, and you pay less.

M&S Finance 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 Finance 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 and Spenser 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 Finance UK and European Breakdown Cover, since it covers you as a passenger too.

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 & Spencers 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's & 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 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.

Ingredients Coconut Body Butter, at Marks & Spensers
Body butter Coconut scent 200ml

Fresh Rose Scented Spheres, at Marks & Spenser
Assorted decorative fragranced spheres Pot pourri Bag size: 27cm approx height Weight: 250gms approx, Manufacturer: Marks & Spencer

Antique Brass & Glass Console Table, at Marks and Spencers
H81 x W111 x D45cm Made of antique-effect solid brass tubing Tops made from toughened glass Legs made from solid brass tubing Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Silver Plated Abalone Tri-Strand Necklace, at Marks and Spencer
Tri-strand design Abalone nugget Assorted multifaceted beads Length: 41cm This product is not available for international delivery. Find out more

Pure Cotton Woven Check Design Vest Top, at Marks and Spencer
It's the beautifully detailed embroidery that makes this sleeveless woven vest top irresistibly stylish

Real Cool Cotton™ Performance T-Shirt, at Marks and Spenser
This sporty t-shirt is made from RealCool Cotton™. The innovative fabric incorporates microfibres which rapidly move moisture away from the body keeping you dry and comfortable

Big & Tall Twin Pleat Luxury Wool Trousers, at Mark & Spensers
Smart and stylish, these twin pleat trousers are made from fine quality wool with cashmere for exceptional softness. A practical, hardwearing and fashionable choice

Stainless Steel Skimmer, at Marks & Spencer
Hanging loop Stainless steel design Slotted, Manufacturer: Marks & Spencer

Thermal Long Sleeve Ribbed Vest with Silk, at Mark & Spencers
Indulge in soft, warm comfort with this thermal easy to wear knitted vest. Perfect for adding a snug extra layer to your outfits during the winter months

Blue Harbour Funnel Neck Fleece Jacket, at Marks & Spencers
Relaxed and cosy, this long sleeve fleece jacket makes a warm and comfortable extra layer

Red Wine Gift Set, at Mark & Spencers
Chteau Darzac Bordeaux Suprieur Waiters friend Wine stopper Presented in a wooden gift box with the 2 wine accessories Price includes delivery Looking to place a corporate bulk order? Please call 0845 6020602 This product is not available for international delivery. Find out more

Pink Floral Page-A-Day Diary, at Mark & Spencers
Approx size: 215 x 150 x 35mm

Domaine Guinand St Christol Côteaux du Languedoc 2005 - Case of 6, at Marks and Spenser
Style: Full Bodied Grape variety: Syrah, Carignan Country of origin: France Closure: Natural cork Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Easycare Poplin Short Sleeve Shirt, at Marks & Spenser
This comfortable shirt is so easy to care for; it can be washed and worn regularly while keeping a pristine appearance

Per Una Pure Linen Knee Length Skirt, at Marks & Spencers
A pretty knee length skirt in pure cool linen featuring a ziggy flow print

M400 Mattress - Soft, at Marks and Spencer
Single (3ft): W90 x L190cm Double (4ft 6in): W135 x L190cm King Size (5ft): W150 x L200cm Super King Size (6ft): W180 x L200cm Mattress depth: 24cm Filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs Spring Count: 1054 Anti-allergy protected for the life of the mattress Does not require turning Manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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

Playmobil Horse Washing Station Toy, at M&S
Suitable for ages 4+ Ground space and accessories Functional horsewash station This product conforms to the EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Bright Prints Range Slim Notebook & Pencil, at Marks & Spencer
Contains: 1 notebook and 1 pencil Check design Approx size: 215 x 87mm

Collezione Single Breasted Hopsack Jacket, at Marks & Spencer
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

Lightweight Slash End Stripe Print Scarf, at Marks and Spenser
Add a fashionable finishing touch to your look with this elegant slash end stripe print scarf. The perfect accessory to this season's styles

Mareante Hill Organic Chardonnay 2007 - Case of 12, at M+S
Style: Fruity and dry Grape variety: Chardonnay Country of origin: Chile Closure: Natural cork Suitable for vegetarians Bottle: 12 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

Cotton Rich Slash Neck Jumper, at Marks&Spencer
Casual and modern, this slash neck jumper is made from comfortable cotton rich fabric. A fabulous fashionable look

Ultimate Stormwear™ Pure New Wool Single Breasted 2 Button Jacket, at Marks and Spencers
This high performance suit is made to work as hard as you do. It's extra durable and added stretch keeps it in great shape while giving you enhanced comfort and ease of movement

Pure Cotton Lightning McQueen T-Shirt, at Marks & Spensers
A must for Disney's Cars fans, this crew neck t-shirt in soft cotton features a fun motif of the poplular character Lightning McQueen. Practical, easycare fashion

Die Cut 75th Birthday Card, at Marks and Spencers
Cover text: Congratulations you're 75 Inside Message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 126mm

Girls' Limited Belted Combat Trousers, at Marks and Spencers
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

Per Una Pure Silk Cross Front Blouse, at M+S
An elegant 3/4 length sleeve blouse in pure silk. Cross over frill neckline gives it the Per Una touch

Banoffee Pie, at Marks & Spensers
Serves 14 Ready to eat Not suitable for nut allergy sufferers Suitable for vegetarians 1.2kg total weight As featured on page 48 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Toshiba Satellite L300-1FS Laptop, at M&S
Processor: Intel Pentium dual-core processor T3400, 2.16 GHz clock speed, 667 MHz front side bus and 1 MB 2nd level cache Memory: 2,048 MB standard, 4,096 MB maximum expandability, DDR2 RAM (800 MHz) Hard Drive: 160 GB, S.M.A.R.T. , 5,400 rpm Display: 15.4'' Toshiba TruBrite WXGA TFT High Brightness display Operating System: Genuine Windows Vista Home Premium 32-bit Edition (pre-installed, Toshiba-HDD recovery) Graphics Card: Mobile Intel GMA 4500M, up to 1,340 MB total available graphics memory with 3 GB system memory DVD Super Multi Drive: CD-ROM, CD-R, CD-RW, DVD-ROM, DVD-R, DVD-R(DL), DVD-RW, DVD+R, DVD+R(DL), DVD+RW, DVD-RAM Expansion: 2 x memory slots (1 to configure), 1 x ExpressCard slot Interfaces: 1 x DC-in, 1 x external monitor, 1 x RJ-11, 1 x RJ-45, 1 x external microphone, 1 x headphone (stereo), 3 (Left 2, Right 1) x USB 2.0, 1 x integrated VGA Web Camera with built-in microphone Connectivity: Wi-Fi (802.11b/g) Wireless LAN, Fast Ethernet LAN 10BASE-T/100BASE-TX international V.90 modem (V.92 ready) 56 Kbps data and 14.4 Kbps fax Bundled software: Toshiba Disc Creator, Toshiba User's Manual, Supervisor Password Utility, Toshiba Assist, Chicony Camera Assistant Software, Toshiba DVD Player, Ulead DVD MovieFactory for TOSHIBA, Toshiba Face Recognition, McAfee Internet Security Suite - Toshiba Edition (includes free Internet updates for 30 days), Toshiba Recovery Disc Creator, Microsoft Works, Microsoft Office Home and Student 2007 (free 60-day trial) Toshiba Value Added Package (Toshiba Power Saver, Toshiba Zooming Utility, Toshiba PC Diagnostic Tool, Toshiba Flash Cards, Toshiba Components Common Driver, Toshiba Accessibility, Toshiba Button Support), Google Software (Google Toolbar for Internet Explorer, Google Desktop, Picasa), Connectivity Doctor, ConfigFree™ , Toshiba utilities and drivers Toshiba EasyMedia : Google Software (Google Toolbar for Internet Explorer, Google Desktop, Picasa), Toshiba TEMPRO Performance Tuning Service, McAfee Internet Security Suite - Toshiba Edition, Toshiba Face Recognition, Smart Display Support, Toshiba Flash Cards, Built-in camera & microphone, Diversity Antenna, Toshiba ConfigFree™, Internal HD 720p support Dimensions: W362 x D267 x H33.0 (front) / 37.7 (rear) mm Weight: starting at 2.49 kg Battery: lithium-ion, up to 2h30min (Mobile Mark™ 2007) 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

The Floral Collection Rose Talcum Powder, at Marks and Spencer
Rose fragrance 200g

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