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 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 Motor Insurance from M&S Money, you get more, and you pay less.

Besides M+S Motor Insurance, M&S Finance Credit Cards and other financial products, M&S Finance Buildings 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 Finance 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 and Spencer purchases are also protected while you take them home.

Also, on both M&S Finance Premier Buildings Insurance and Standard Buildings 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 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 & Spencer 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 Tesco's:

• 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.

Formula Age Repair Firming Night Cream + Ceramide, at Marks & Spensers
Contains ceramide and apple Reduces appearance of age spots Strenthens and smoothes the skin structure 50ml

DD-G Contrast Embroidered Non-Padded Bra, at Marks & Spencer
Soft and comfortable, this bra is specially designed for fuller busts. It's underwired and structured to give great support and a flattering enhanced shape

3 Non-Iron Long Sleeve Blouses, at Mark & Spencers
A great value 3-pack of long sleeve school blouses, non-iron for convenience

Cotton Rich Chunky Cardigan, at MarksandSpencer
Contemporary and casual, this long sleeve cardigan is made with comfortable breathable cotton. A fabulous fashionable look

White and Silver Small Honeymoon Photograph Album, at MarksandSpencer
Contains: 1 album, 105 glue dots, gift box, 700Mb CD-R Album: H155 x W200 x D33mm Box: H168 x W215 x D40mm

Underwired Floral Lace DD-G Bra, at Mark's & Spencer
Feminine and pretty, this floral lace bra is ideal for everyday wear. It's underwired and shaped for an uplifted natural look

Older Boys' Bart Simpson Graffiti Mule Slippers, at Mark & Spencers
Round toe Bart Simpson motif Slip on THE SIMPSONS ™ & 2006 Twentieth Century Fox Film Corporation. All Rights Reserved

Fox Gordon Brothers & Sisters Viognier 2008 - Case of 6, at Mark & Spencers
Grape variety: 91% Viognier, 9% Sauvignon Blanc Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol Contains sulphites

Cotton Rich Stitch Detail Bootleg Jeans, at MarksandSpencer
Flattering and fabulous, bootcuts make legs look longer and are kind to curves. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Perfect Limited Collection Buckle Boots, at Marks and Spenser
Round toe Top and ankle buckle feature Stitch detail Heel height: 51mms Comes in sizes 3-8, including half sizes

Silver Plated Barrel Bracelets, at Marks and Spencer
Clasp fastening Adjustable length

Contrast Trim Ballet Socks, at Marks & Spencer
These essential ballet socks are outstanding value. They're made with added stretch for comfort and durability

First Readers The Three Little Pigs, at Marks & Spencer
This popular story is part of the First Readers range. The three little pigs are each building their own house, but oh no here comes the big bad wolf! These First Reader story books help your child learn to read. They are closely linked to the National Curriculum. Their vocabulary has been carefully selected from the word lists recommended by the National Literacy Strategy

Single Sprung-Edge Divan with 1 Small + 1 Large Drawer & F300 Memory Foam Mattress, at Marks and Spencer
Single mattress (3ft): W90 x L190cm Single divan (3ft): W90 x L190cm Mattress depth: 25cm Divan height: H41cm Large drawer: H14 x W78 x D52cm, small drawer: H14 x W40 x D52cm Soft knitted cover adds extra comfort to the mattress 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 Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are 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

3 Pure Cotton Apple Kitchen Hand Towels, at Marks & Spencer
Pack of 3 Assorted apple and stripe designs Plain edge, Manufacturer: Marks & Spencer

Long Sleeve Waterfall Jacket, at Marks and Spencer
Chic and stylish, this waterfall jacket makes a great choice for work or smart occasions. It's machine washable for added convenience

Disney's Hannah Montana My Superstar Secrets, at Marks and Spenser
Are you a secret singing sensation like Hannah Montana? Embrace your star destiny with this fabulous pack. Check out Hannah's secrets in the Hannah Montana superstar book. Listen to the red-hot CD and sing along to the tracks. Wear the backstage pass to secure your star-like status. Hang out with the rich and famous to collect signatures for your awesome autograph book

Autograph Pure Cotton Polo Shirt, at Marks & Spencers
Casual and contemporary, this short sleeve polo shirt is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make it exceptionally stylish and comfortable

Pure Cotton Long Sleeve Mr Grumpy Pyjamas, at Marks and Spenser
Fun and fashionable, these pure cotton long sleeve mr grumpy pyjamas feature a motif print

The Sword In The Stone/Robin Hood Special Edition DVD Set, at Mark's & Spencer
Rating Universal, suitable for all,

Classic Collection Cotton Rich Drawstring Joggers, at Mark's & Spencer
Relaxed and comfortable, these casual joggers are made from soft stretch cotton. The drawstring waist gives the perfect fit

Traidcraft Embroidered Mum Card, at Marks & Spensers
Cover Text: Mum Inside message: blank for your own message Approx size: 138 x 138mm

Autograph Pure Cotton City Scene T-Shirt, at Marks & Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Per Una Square Neck Floral Top, at Marks and Spencer
A casual square neck top in a soft cotton blend, the floral neckline gives it the Per Una touch

Limited Collection 3/4 Sleeve Sequin Top, at Marks and Spencers
Part of Limited Collection's LA Love trend. Feminine, soft and laid back, this is a fashionable LA look with a boho vibe. Beautiful fabrics and playful prints are key

Autograph Leather Round Toe Zebra Print Pumps, at Marks & Spencer
Round toe Zebra print Slip-on Low heel Heel height: 15mm Comes in sizes 3-8, including half sizes

Per Una 3/4 Sleeve Pleated Blouse, at Marks and Spencer
A casual 3/4 sleeve blouse featuring a pleated neckline detail

Double Cut Floral Glass Vase, at Marks and Spencer
Fluted spout Floral design Thick base W14.5 x D14.5 x H20cm, Manufacturer: Marks & Spencer

Leather Jeans Belt, at Marks & Spencer
Add a fashionable finishing touch to your casual trousers and jeans with this stylish leather belt

Ultimate Pure Wool Single Breasted 3 Button Jacket, at Marks & Spencer
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

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's & Spencer 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 and 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 Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.