There are lots of ways to save money using M&S Finance. Not least of these is Marks & Spencers 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's & 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 Car Insurance from M&S Money, you get more, and you pay less.

Mark's & Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Car Insurance, but Marks & Spencers do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M&S Finance website. With a simple, no-hassle service, you can compare features between a number of Marks & Spencer Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Finance loans, credit cards or Property Insurance - besides a number of other insurance products, M&S Finance can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Finance insurance products (Property Insurance, Car Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Marks and Spencer insurance products in document format too.

M&S Finance offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Finance Car Insurance is not like that at all, and when you compare M&S Car Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with M & S 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car 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 Car 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.

Formal Square Buckle Belt, at Marks & Spencer
Add a smart finishing touch with this leather square buckle belt

Autograph Pure Marble Soap Dish, at Marks n Spencer
Textured finish Rectangle Dipped centre H2 x W10 x 13cm, Manufacturer: Marks & Spencer

Cotton Rich Bootleg Jeans, at Mark's & Spencer
Fashionable and comfortable, these bootleg jeans are outstanding value!

Autograph Pure Cotton Multi Stripe Shirt, at Marks and Spencers
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

Older Boys' Cymru Rugby Swimming Shorts, at Marks and Spencers
Sports fans will love these cosy Cymru swimming shorts featuring the country motif. A practical, easycare style

50/50 Plain Dye Pillowcase, at M+S
Manufacturer: Marks & Spencer

Pure Cotton Embroidered Puff Sleeve Top, at Mark & Spencers
An embroidered design adds a pretty touch to this soft cotton short sleeve top

Formula Instant Fix Midnight Beauty Cream, at Marks & Spenser
Visibly brighter complexion Skin is supple, refreshed and more radiant Skin is recuperated, energised and invigorated Suitable for all skin types Hypoallergenic In 4 weeks, 87% of women who tested the cream reported their skin felt refreshed, revitalised and invigorated A combination of lavender active, to release endorphins, detoxifying guarana, nourishing rosehip and liquorice, helps to even skin tone 30ml

Limited Collection Pure Silk Pleat Dress, at Mark & Spensers
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Stormwear™ Long Sleeve Hooded Anorak, at Marks & Spencer
The classic anorak has been given a contemporary twist with a button cuff detail. Designed in an easycare water resistant fabric with a hood, this practical and stylish jacket will keep you dry on rainy days

Fairtrade Pure Organic Cotton Casual Cargo Trousers With Belt, at Marks & Spencers
Look below to see a video clip about Fairtrade Fairtrade certification shows that suppliers have been paid a fair price for their products and their work. Our organic cotton is grown without harmful chemicals, using traditional farming methods

Gold Finish Wood Photo Frame 13 x 18cm (5 x 7"), at Marks and Spenser
Rectangle shape Pine wood border Gold finish Aperture: 13 x 18cm (5 x 7") Dimensions: H19.1 x W24.2 x D2.7cm, Manufacturer: Marks & Spencer

Fabric Floral Birthday Wishes, at Marks & Spencers
Cover Text: Birthday Wishes Inside Message: Blank for your own message Approx size: 150 x 150mm

Grace Dinner Plate, at Marks and Spencers
Diam: 27.5 cm Rim detail Leaf print Fine China, Manufacturer: Marks & Spencer

5 Pairs of Younger Girls' Sparkle Stripe Socks, at Marks & Spencers
Stock up on stylish essentials with this pack of 5 sparkle detail socks

Autograph Babylon Collection Shade, at M+S
Tapered design 20 x 50 x 50cm, Manufacturer: Marks & Spencer

Older Girls' Stripe Heart Bra & Short Set, at Marks & Spensers
A pretty matching set in cotton rich fabric. The non-wired bra is designed for a comfortable fit. Non-wired designs are the best choice for first bras

Pacific Footstool, at Marks and Spencers
H44 x W74 x D58cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that gives long-lasting performance and helps to maintain the cushions look and shape. Provides improved resilience without compromising on softness. Easy-care and springs back to its original shape after re-fluffing Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Cushion covers are removable on this range Frame made from solid wood wrapped in pandan. 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 Pine feet with a light 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

Fraser 2-Seater Sofa, at Mark & Spencers
H99cm x W188cm x D102cm Seat: H48cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions 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

DeLonghi PAC A95 Air-to-Air Portable Air Conditioner, at Marks and Spencer
Maximum cooling capacity: 9,500 Btu/h Energy efficiency class A Recommended for rooms up to 95m3 Fan function Dehumidifying function - Dehumidifies while conditioning, removing up to 40 l/d of excess moisture Wide LCD control panel display Exclusive condensate recirculation system 2 fan speeds + Quiet to ensure the maximum quietness Autofan function: the unit automatically chooses the most suitable fan speed in th actual room 24hr electronic timer SLEEP and SMART functions for use during the night and to let the unit automatically choose the best operation mode 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

Blue Harbour Cotton Blend Lightweight Check Chino Shorts, at Marks & Spensers
Think smart on those warmer days and nights with the design of these check print shorts. Pair with sandals and a T-shirt or team with a short sleeve shirt and boat shoes for a dressier casual look

Piedmont Chardonnay 2008 - Case of 12, at Marks and Spenser
Style: Dry Grape variety: Chardonnay & Cortese Country of origin: Italy Closure: Screw cap Suitable for vegetarians Bottle: 12 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

Hand Made Presents Birthday Card, at Marks & Spencers
Cover text: Happy Birthday... To You 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

Autograph Leather Lattice Mules, at M+S
Open toe Lattice design Slip on High heel Heel height: 9cm Made with Insolia technology, an exclusive innovation that makes high heels more comfortable to wear and better for your body's alignment and balance. They work by taking the weight off your toes, so there's less pressure and more stability. Your legs, back and feet stay more comfy all day

Floral Boot and Handbag Multipack of Cards, at Mark's & Spencer
Cover text: Design 1: with love, Design 2: blank, Design 3: just to say... Inside message: All designs: blank for your own message Pack contains: 8 cards, 3 designs Approx size: Design 1 & 2: 95 x 80mm, Design 3: 200 x 80mm

Flat Front Straight Leg Plain Trousers, at Marks and Spencer
No more trips to the drycleaners! These smart, fashionable trousers can be machine washed and tumble dried

Autograph Weekend 3/4 Sleeve Lace Print Top, at Mark & Spensers
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season.

SanDisk Memory Stick PRO Duo™ 1GB, at Marks & Spencers
Write/erase over 100,000 times For use in a variety of digital products including mobile phones, digital cameras, digital camcorders, car navigation systems, and hand held PCs Real time recording of high resolution video High-speed data transfer 1GB storage Larger storage capacity than standard Memory Stick cards

Peppa's Space Trip & Teddy's Day Out Book, at Marks & Spenser
Join Peppa and friends as they take a trip all the way into outer space. This colourful and fun story book is sure to grab your kids' imagination

Orchids on Kraft Large Gift Bag, at M & S
1 gift bag Approx size: H270 x W360 x D100 mm

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 Finance. Offering everything from savings accounts and credit cards, to Property Insurance and Car Insurance, there's a lot more going on at Marks & Spenser than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Finance. 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 Finance, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Finance 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."