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

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

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

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 Marks and Spencer 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.

Per Una Pure Cotton 4 Button Corduroy Jacket with Scarf, at Marks and Spenser
A fashionable single breasted corduroy jacket in pure soft cotton. Block stripe jersey scarf makes it extra stylish

ABC Sticker Book, at Marks and Spencer
This sticker book will keep them busy as they look for an incredible 150 stickers inside!

Lego City Police Car Toy, at M+S
Suitable for ages 5+ Consists of one police car and a minifigure 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

Per Una Short Sleeve Pintuck Bib Top, at Mark & Spencers
A gorgeous pintuck top in soft, comfortable modal, the ruffle bib feature gives it the Per Una touch

Plain Moulded Underwired Bra, at Marks & Spenser
Smooth and versatile, this moulded bra is ideal for everyday wear. It's underwired and shaped for an uplifted natural look

Autograph Pure Cotton Floral Print Shirt, at Marks & Spencers
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a stunning floral print

Pure Silk Abstract Print Tie, at Marks and Spencers
Add a luxurious finishing touch with this contemporary abstract print tie in pure silk

Silver Plated Catseye Teardrop Necklace, at Marks & Spencer
Catseye pendant Adjustable length Clasp fastening

Autograph Pure New Wool 2 Button Navy Twill Jacket by Timothy Everest, at Marks & Spensers
Lined with Timothy Everest's signature luxurious lining, this distinguished jacket offers the best in contemporary design

Autograph Pure Cotton Floral Dress with Tights, at Marks and Spencer
Practical and pretty, this cute dress and tights are made from soft cotton fabric to keep her feeling comfy and happy. With luxury in every detail, this is part of our exclusive Autograph collection

Per Una Bow Pump Shoes, at Mark & Spencers
Round toe Bow feature Stitch detail Slip on Low heel Comes in sizes 3-8, including half sizes

Per Una Styled Overlaid Lace Padded Bra, at Marks & Spencer
Elegant and feminine, this stylish bra features stretch lace fabric and a scallop trim. The padded balcony style gives maximum uplift and a fuller shape. Pretty everyday fashion

Maternity 3/4 Sleeve Ruched Parka, at Marks & Spencer
Relaxed and casual, this metallic finish parka is designed to flatter you and your bump. The ruched style and clever cut give a neat, comfortable fit with room for growth. A practical, versatile choice

Per Una Lash Extension Mascara, at Marks & Spencer
Lash lengthening mascara Hypo-allergenic

Personalised Calendar, at Marks&Spencer
Dimensions: 225 x 390mm

Autograph Twisted Glass Table Lamp, at M&S
Rectangular fabric shade Twisted glass stem 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

Stitch Detail Contrast Stripe Swim Shorts, at Marks & Spenser
Casual and comfortable, these contrast side stripe swim shorts are outstanding value

Footglove™ Leather Widefit Wedge Pumps, at Marks & Spencers
Round toe Stitch detail Slip-on Wedge low heel Wide fit Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Girls' Limited Stripe Dress, at Marks & 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

Low Rise Animal Print Shorts, at Marks & Spencer
Low rise shorts are perfect for wearing with hipster styles and these stylish animal print shorts are shapely and modern. Added stretch gives a comfortable, flattering fit

Medium Lines Flared Vase, at Marks and Spencer
Squiggle detail Flared Handmade W15.2 x D15.2 x H43cm, Manufacturer: Marks & Spencer

5 Pairs of Cotton Rich Contrast Heel & Toe Socks, at Marks and Spencers
Hardwearing and comfortable, these cotton rich socks are an ideal choice for school

Hopsack Cushion, at Marks&Spencer
Comfortable and practical, this cushion has a hopsack cover and gives a stylish look

Stainless Steel Honey Spoon, at Marks and Spencer
Stainless steel Loop in the handle L14.5cm x W3.5cm, Manufacturer: Marks & Spencer

Funnel Neck Half Zip Fleece Jumper, at Marks and Spenser
Fashionable and practical, this comfortable fleece features a half zip fastening for a stylish modern look

Animal Print Hipster Bikini Bottoms, at Marks & Spenser
Stylish and elegant, this fashionable bikini bottoms features a striking animal print. A fabulous fashionable look

Blue Harbour Long Sleeve V-Neck Jumper, at Marks&Spencer
Soft and comfortable, this smart v-neck jumper is outstanding value and made from supersoft Cashmilon™

T397706, at Marks and Spencers
Manufacturer: Marks & Spencer

Fairtrade Maara Shiraz 2008 - Case of 12, at Marks and Spencers
Style: Medium bodied Grape variety: Shiraz Country of origin: South Africa Closure: Screw cap Suitable for vegetarians Bottle: 12 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

Ingredients Lemon Sugar Body Scrub, at Marks and Spencer
Lemon fragrance Approx 200ml

When you're shopping at Marks & Spencer 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 Car Insurance, there's a lot more going on at Marks and Spencers 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."