There are lots of ways to save money using Marks & Spencers Money. Not least of these is Marks and Spencers Standard Motor Insurance. With Marks & Spencers 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 & Spencers Money, 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 Finance, you get more, and you pay less.

Shopping for financial products at Marks & Spencers Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spencers online store. Here are just some of the financial products which can be purchased via the Marks & Spencers Money website:

• M&S Insurance: M&S Motor Insurance, M&S Home Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks and Spencers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting Marks & Spencers Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the Marks & Spencers Money website.

Marks & Spencers Money 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 Marks & Spencers Money 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, Sainsbury's, or Tescos:

• 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 Marks & Spencers Money UK and European Breakdown Cover, since it covers you as a passenger too.

M&S Pantha 2-Slice Toaster, at Marks & Spensers
800W 6 browning levels Defrost and reheat settings Cancel setting High rise handle so removing your toast safe and easy Removable crumb tray for simple cleaning Anti-slip base 2 year guarantee

Sonoma Coffee & Side Table Set, at Marks & Spencers
2 piece set Coffee Table: H45 x L135 x W50cm Side table: H60 x W44 x D45cm Toughened glass lower shelf Low sheen protective lacquer finish Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Side and back made from White Oak veneer Top panel is veneered with solid Oak edging for strength All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered. Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Citronella Tealights - Bag of 50, at Mark's & Spencer
Contains: 50 t-lights Up to 5 hours burning time for each, Manufacturer: Marks & Spencer

Pure Cotton Block Stripe Hooded Top, at MarksandSpencer
Relaxed and casual, this comfortable hoodie is made from pure cotton and features stripe design. A great value easycare style

Fern Embroidered Bedset, at M&S
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 Super king size includes super king size duvet cover (6ft) and 2 pillowcases, Manufacturer: Marks & Spencer

Colours Book, at Marks & Spencers
Little hands will love this bright chunky colours book

Dualit Hand Mixer - Cream, at Marks and Spencer
5 speed settings 300 Watt heavy duty professional motor Unique retractable power cord storage Soft Touch mark-resistant finish, with Soft Touch easy grip handle Beater ejector unit Includes 2 multi-purpose oversize flat beaters, 2 dough hooks & 1 balloon whisk Integral plug storage Dimensions: H30 x W18 x D6.5cm 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

Portfolio Pure Silk Contrast Border Lightweight Scarf, at Marks and Spencer
Add a luxurious finishing touch to your look with this elegant pure silk contrast border scarf. The perfect accessory to this season's styles

Motion Mattress, at Marks and Spencer
Sold as 2 single mattresses Designed to fit the Autograph Monroe Reclining Bedstead Double (4ft 6): King size (5ft): Super King Size (6ft): TV sold separately Bedstead sold separately This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

2 Younger Girls' Pure Cotton Skinny Pyjamas, at Mark's & Spencer
Cute and comfy, these pure cotton pyjamas are outstanding value

Country Bunch Goodbye Card, at Mark & Spencers
Cover text: Goodbye Inside message: Blank for your own message Approx size: 150 x 150mm

Xenon Collection Wheeled Holdall, at Marks&Spencer
Free 5 year guarantee This smart and convenient holdall is perfect for short trips away. It comes with rollerglide wheels to make it easier to transport

Crackle Ceramic Table Lamp, at Marks & Spenser
Cracked effect Fabric shade Diam 23.5 x H33cm Bulb: GLS 822 60W & energy saving equivalent This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Fluted Trim Waistcoat, at Marks and Spencer
A stylish knitted waistcoat featuring fluted edges and a rose button fastening

Pure Cotton Floral Print Hooded Top, at Marks & Spencer
The cute floral print makes this hooded top extra special. It's made from soft cotton and feels comfy to wear

Ceriso Cupcake Bikini Knickers, at Marks & Spencers
Fashionable and flirty, these modern bikinis feature contrast trim. The low rise, high leg bikini style gives a fabulous body-conscious fit. Designed for women who want the latest look

Collezione Pure Cotton Long Sleeve Stripe Shirt, at Marks & Spencer
Italian style is renowned for its attention to detail. Each collezione piece 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 shirt to give you a feeling of luxury like no other

F300 Memory Foam Mattress, at M+S
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: 25cm Soft knitted cover adds extra comfort and works with the memory foam for optimum support Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support 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

Malabar Extending Dining Table & 6 Chairs Set, at Marks & Spencer
Table: H76 x W180 x D100cm (Extends to L230cm) Seats 6 - 8 people 6 slat-back chairs with rush seats Chairs: H102 x W55 x D47cm Seat: H46cm Made from solid mango wood Treated with a protective low-sheen lacquer that provides added durability Chairs made from solid wood for strength Legs made from solid wood All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered. Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Baroque Opaque Tights, at Marks and Spencers
Treat your legs to a touch of style. These baroque tights have a durable reinforced design to keep them looking good, wear after wear.

Autograph Wing Collar Shirt & Bow Tie, at Mark & Spencers
Stylish and sophisticated, this wing collar shirt looks elegant worn with a bow tie. Ideal for proms, balls and special occasions

3 Easycare Long Sleeve Shirts, at Marks & Spencer
This 3 pack of easycare long sleeve shirts is outstanding value! A school essential

Diamanté Thong Sandals, at Marks and Spencers
Thong style Open toe Diamant detail Flat sole

Double Buckle Shoulder Bag, at Marks&Spencer
Stylish and practical, this handbag is made from luxurious soft suede and features double buckle. A useful and fashionable accessory

3 Pairs of 15 Denier Support Knee Highs, at Mark's & Spencer
These medium support knee highs are clinically proven to improve circulation and reduce ankle swelling. They'll keep your legs feeling healthier and energised. These tights have a factor 8 support level. Support tights have been clinically proven to keep your legs feeling energised, younger and healthier. Circulation is improved, ankle swelling is reduced and legs feel less tired so they're ideal for travelling

Pure Cotton Long Sleeve Hooded Jacket, at Marks & Spenser
Comfy and cosy, this hooded jacket feels soft and warm and is great value. A practical, easycare style

Pastel Zoo Animals Multipack of Mini Thank You Cards, at Marks and Spencers
Cover text: Design 1: thank you, Design 2: thanks, Design 3: thank you, Design 4: thanks! Inside message: Blank for your own message Pack contains: 8 cards, 4 designs Approx size: 95 x 80mm

°Climate Control Medium Support Pillow, at MarksandSpencer
Keeps you in a comfort zone all night long Absorbs body heat, releasing when you need it Made using outlast technology, originally developed for NASA, Manufacturer: Marks & Spencer

Firefinch Sauvignon Blanc 2008 - Case of 12, at Marks and Spencer
Style: Dry, crisp and fruity Grape variety: Sauvignon Blanc Country of origin: South Africa Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 Alcohol units per 125ml: 1.6 Contains sulphites This product is not available for international delivery. Find out more

Per Una Essentials Modal Blend Spot Print DD-G Bra, at MarksandSpencer
Elegant and feminine this stylish bra is made from a soft comfortable modal rich fabric. Soft padding and underwiring give support and an enhanced natural shape. Pretty everyday fashion

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. Marks & Spencers Money 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 Marks & Spencers Money 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 Marks & Spencers Money Home Insurance than you will anywhere else, and you may even pay less with M&S.