There are lots of ways to save money using M&S Finance. Not least of these is Marks and 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 Marks & Spencers, 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.

When you're shopping at Mark & Spensers 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 Home 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."

Besides Marks and Spencer Car Insurance, M&S Finance Credit Cards and other financial products, M&S Finance Home 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 Home Insurance and Standard Home 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.

Girls Only Scrapbook Fun, at Marks & Spenser
Complete this scrapbook to make a record of your unique, amazing life! There are spaces for your drawings, photos and thoughts, plus lots of cool stickers to decorate your masterpiece

°Climate Control 4.5 Tog Duvet, at Marks&Spencer
4.5 tog The coolest of all duvets, designed for summer use Not too hot, not too cold, just right™ Absorbs body heat, releasing when your body needs it keeps you in a comfort zone all night long Made using outlast technology, originally developed by NASA Comes in single (3ft), double (4ft 6in), king-size (5ft) and super king-size (6ft) Which tog? Tog measures the warmth of a duvet based on its ability to trap warm air. The higher the tog rating, the warmer the duvet. The perfect tog is a personal choice which can depend upon you and your home, Manufacturer: Marks & Spencer

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

Per Una Allegra Heart Charm Drop Earrings, at Mark & Spensers
Drop style Hook fastening Heart charm For hygiene reasons, refunds will only be given in accordance with your legal rights

Sartia Morellino di Scansano 2007 - Case of 12, at Mark & Spencers
Style: Dry, medium bodied, unoaked Grape variety: Sangiovese 80% and Syrah 20% Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml:1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Per Una Cotton Rich Tonal Stripe Bootleg Trousers with Belt, at Marks and Spenser
A smart pair of boot leg trousers in stretch cotton featuring a tonal stripe design and belt

Photographic Puppies Multipack of Mini Cards, at Marks and Spencer
Cover text: blank Inside message: blank for your own message 8 cards x 4 designs Approx size: 95 x 80mm

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

Autograph Pure Wool Single Breasted 2 Button Plain Jacket, at Marks & Spensers
Our Autograph suits are made from finer fabrics with superior attention to detail, giving you the ultimate in sharp, sophisticated style

Single Sprung-Edge Divan with 2 Large + 2 Small Drawers & M300 Mattress, at Marks and Spencers
Double mattress (4ft 6in): W135 x L190 cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 24cm Divan height: 41cm Large Drawer: 14 x 78 x 52cm Small Drawer: 14 x 40 x 52cm Mattress filling made from resilient foam and polyester fibre Mattress has reinforced side stitching giving greater edge support Individually pocketed springs Pocket sprung mattresses give a flexible feel Mattress spring count: 896 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

T394802, at Mark & Spensers
Manufacturer: Marks & Spencer

8 'Just to Say...' Text Cards, at Marks & Spencers
Cover text: Just to say... Inside message: blank for your own message 8 cards x 1 design Approx size: 120 x 120mm

St Véran les Monts 2007 - Case of 6, at Marks & Spensers
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Gold Spot Bursts Large Gift Bag, at Marks n Spencer
1 gift bag Spot design Approx size: H420 x W300 x D100mm

Blue Harbour Pure Cotton Chino Shorts, at Marks and Spencers
Think smart on those warmer days and nights with the design of these great value shorts. Pair with sandals and a T-shirt or team with a short sleeve shirt and boat shoes for a dressier casual look

Blue Lace Bedset, at Marks and Spencer
Floral lace embroidered design Single set includes single duvet cover and 1 pillowcase Double set includes double duvet cover and 2 pillowcases King size includes king size duvet cover and 2 pillowcases, Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Scotland Football Top, at Marks & Spencer
A must for footie fans! This Scotland top features a contast stitch detail and a fun emblem. A modern easycare style in soft comfortable cotton

La Prendina Estate Corvina Red 2007 - Case of 12, at Marks & Spenser
Style: Medium bodied Grape variety: Corvina, Marzemino & Barbera Country of origin: Italy Closure: Natural cork Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Bright Stripes Dad Birthday Card, at Marks & Spencer
Cover Text: Dad happy birthday Inside Message: Blank for your own message Approx size: 150 x 150mm

Wisteria Small Rollercase, at Marks & Spencer
Smart and practical, this rollercase is made from hardwearing fabric and is fully lined. It features lock trolley system and comes with a padlock for security

The Floral Collection Moisture Rich Rose Handwash, at Marks n Spencer
Rose fragrance Moisture rich Handwash 250ml

DeLonghi EC270 Pump Espresso & Cappuccino Machine, at MarksandSpencer
High performance 15 bar pump pressure - ensures best tasting espresso and cappuccino with no limit to the number of cups produced Traditional stainless steel cappuccino milk frother Professional 2 in 1 filter holder suitable for ground coffee or ESE pods Cappuccino System - it mixes steam, air and milk producing a rich, creamy froth for a great cappuccino 3 different buttons: on/off, coffee and cappuccino Separate coffee and steam boiler thermostats for faster use and optimum temperature control Adjustable steam emission Incorporated crema device Self-priming system means machine is always ready to use Removable 1 litre water tank Stainless Steel removable drip tray Measuring spoon Includes free Illy Pods Stylish retro design Built to accommodate either a full sized cappuccino cup or 2 espresso coffee cups Cup warmer Easy to use 3 button operation 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

3 Pairs of Comfort Easy Grip Socks, at Marks & Spencer
Soft and comfortable, these cotton blend socks are naturally breathable and absorbent, keeping feet dry and comfy. A reinforced heel and toe gives extra durability

5 Pure Cotton Scalloped Trim Thongs, at Marks and Spenser
Perfect for wearing under tight-fitting clothing, this fashionable thong won't give you any visible panty lines. It's comfortable and flattering, and the low rise style is ideal for wearing under hipsters

Autograph 2 Piece Pure Cotton Pinafore Dress & Top, at M&S
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

3 Pure Cotton Long Sleeve Shirts, at M+S
This 3-pack of smart shirts is great value. They're made from pure breathable cotton, a natural choice for everyday wear

Pure Cotton Sleeveless Appliqué Vest, at Marks & Spencer
This sleeveless vest will make a useful addition to your wardrobe. It features appliqu details for a stylish casual look

Unforgettable Places to See Before You Die Book, at Mark & Spensers
Although there are plenty of tips for travellers, this is not a travel guide, and is certainly not definitive, but it will introduce you to a host of spectacular locations, all of which can be visited in a holiday of two weeks or less. Beautifully illustrated throughout with specially commissioned photographs, this is a book that will inspire you to think beyond the walls of your room and take time out to visit some of the world's truly unforgettable places

Foot Survival Pack, at Mark's & Spencer
For instantly comfier feet, whatever shoes you're wearing

Pure Cotton Check Shorts, at Mark & Spensers
Soft and comfortable, these cotton shorts can be worn alone or with a number of our pyjama tops and t-shirts to create your own style

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