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

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

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

Also, on both M+S Money 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.

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

Pure Cotton Gathered Front Stripe Shirt, at Marks n Spencer
Smart and stylish, this stripe shirt is made from cool comfortable cotton and features gathered front detail

Large Tear Drop Glass Vase, at Mark's & Spencer
Narrow neck Teardrop design Mirrored effect Narrow base Hand made, Manufacturer: Marks & Spencer

Autograph 3/4 Length Shorts with Linen, at Marks & Spencers
Fashionable and contemporary, these 3/4 length shorts are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Pure Cotton Transformers T-Shirt, at Marks and Spencers
Fans of Transformers will love this short sleeve t-shirt featuring Optimus Prime. A practical, easycare style

Pure Cotton Ripped Kickflare Jeans, at Marks and Spencers
Ripped design gives a modern twist to these fashionable jeans

Angle 16-Piece Cutlery Set, at Marks & Spencers
16-piece set 18/10 stainless steel - the highest grade of stainless steel Criminal Justice Act 1988 (as amended): please note we are not permitted to sell a knife or blade to any person under the age of 18 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Embroidered Bouquet Wedding Card, at M&S
Cover text: Wedding Day Inside message: With love Approx size: Unfolded: 178 x 126mm

3/4 Sleeve Ruched Square Neck Jumper, at Marks and Spenser
Casual and modern, this 3/4 sleeve jumper features a ruched square neckline. Wonderfully warm and cosy

Banoffee Pie, at Marks & Spencer
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

Classic Collection Floral Embroidered Nightdress, at Marks and Spencer
Fresh and feminine, this nightdress is comfortable to sleep in and features a pretty embroidered floral design

Body Tape, at Marks and Spencers
Body tape is ideal for securing very low cut garments, attaching bra straps to cloths and holding your clothes in place just where you want them

Pure Cotton Jersey Woven Pyjamas, at Marks and Spencer
Pretty and feminine, these jersey woven pyjamas are made from soft breathable cotton for a comfortable night's sleep

Canon PowerShot SX200 Digital Camera, at Marks and Spencer
Pixels: 12.1 megapixels Zoom: 12x optical zoom, 4x digital zoom Screen: 3.0'' LCD display ISO: AUTO, 80, 100, 200, 400, 800, 1600 Dimensions: W103.0 x H60.5 x D37.6 mm Weight: 220g Motion Detection Technology: Eliminate blur by compensating for subject motion and camera-shake PictBridge Enabled: Enables you to print images using a USB cable to connect the PowerShot A470 to a printer without a PCFace Detection Technology: Ensures superb people shots by automatically setting optimum focus, exposure, flash and white balance Red-Eye Correction: Easily removes red-eye in-camera Processor: DIGIC 4 processor drives exceptional processing speeds, responsive operation, superb image quality and colour reproduction. Advanced Noise Reduction ensures richly detailed, clean images, even at high ISO speeds Shooting Modes & Special Scenes: 14 shooting modes include Special Scenes like Sunset, Portrait and Kids & Pets, which make it easy to get great results in common shooting situations. My Colors in-camera photo effects such as Black & White can be applied during shooting HD movies and HDMI output: Supplement great still shots with HD movies (720p, 30fps) and share them on any HDTV via a built-in HDMI connection System requirements: Windows XP SP2-3 / Vista (including SP1), Mac OS X v10.4 - 10.5 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

His and Hers Calendar, at Marks and Spencer
Approx. size: 225 x 390 mm

Sprung Edge Non-Storage Divan & Autograph M500 Zip & Link Mattress, at M & S
No turn mattress: medium / firm tension Mattress and divan are anti-allergy Mattress: spring count 1225, depth 27.5cm Divan height: 41.5cm Single 3ft: W90 x L190cm Double 4ft6: W135 x L190cm King size 5ft: W150 x L200cm Super king size 6ft: W180 x L200cm This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer, Manufacturer: Marks & Spencer

Halterneck Bikini Top, at Marks and Spenser
Modern and stylish, this flattering bikini is designed in the latest shape. Make a splash!

2 Angel Contrast Strap First Bras, at Marks & Spencers
These great value bras are ideal for everyday wear. They're made with stretchy fabric for a supportive and comfortable fit. The unique soft underwiring is perfect for girls who have been wearing our non wired bras for 2 years

Collezione Luxury Pure Wool Fine Stripe Trousers, at Marks and 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 these trousers to give you a feeling of luxury like no other

Nokia 2630 - Orange Pay as you talk Mobile Phone, at M+S
A maximum of 2 phones per customer may be purchased Talk Time: Up to 6 hours Stand-by Time: Up to 320 hours Screen: 128 x 160, TFT with up to 65,536 colors Ringtones: Pre-installed MP3 and 24-voice polyphonic MIDI ringtones Camera: 4x zoom Battery: Nokia battery BL-4B, 700mAH Dimensions: L10.4 x W4.5 x D0.9cm Weight: 66g (with battery) Memory 11 MB user available memory Radio: FM radio with One Touch shortcut access key Video: Video recorder with dedicated button Applications and games: Native email, converter, calculator, world clock, download, Nokia FM radio Email Access your work and private email on the move Messaging: SMS and MMS Included in the box: Nokia Travel Charger AC-3, Nokia stereo headset HS-47 and Nokia 230 handset

Sweet Bergamot Refresher & Burner Oil, at Mark's & Spencer
Sweet bergamot scent 15ml, Manufacturer: Marks & Spencer

Blue Harbour Large Grid Short Sleeve Shirt, at Marks & Spencer
Stylishly smart casual, this comfortable shirt looks great dressed up or down

Soft Vanilla Referesher Oil, at Marks & Spencer
Vanilla scented 15ml, Manufacturer: Marks & Spencer

2 Older Girls' Cotton Rich Assorted Tights, at Marks and Spenser
Cute and comfy, these soft cotton rich tights feature a reinforced toe.

Per Una Assorted Button Longline Cardigan, at Marks & Spencer
A fashionable long sleeve cardigan in a soft cotton blend featuring front pockets and assorted button detail

3 Pairs of Cotton Rich Block Stripe Socks, at Marks & Spencers
These classic cotton rich socks are soft, breathable and comfortable. Added stretch gives a great fit

Glass Ball Collection - Table Lamp, at MarksandSpencer
Square base Glass ball stem Suedette shade H60 x Diam 30cm Bulb: 100W BC GLS 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

Pearl Delight Bracelet, at Marks & Spencers
Beaded design Charm detail Stretch bracelet

Pure Cotton 3/4 Sleeve Check Top, at Marks and Spencers
Smart and stylish, this 3/4 sleeve top is made from cool comfortable cotton and features a check design

Leather Tassel Purse, at Marks & Spencers
Glam up your look with this gorgeous purse. Just the right size for your make up and phone

Autograph Skinny Gingham Tie, at Marks & Spencer
Cut narrower for a contemporary look, this skinny tie adds a smart finishing touch. Ideal for sixth form wear

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 Mark & 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 Marks & Spencers, through its M+S Money 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.