There are lots of ways to save money using M&S Financial Services. Not least of these is Marks & Spenser Standard Car Insurance. With M&S Financial Services 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 Financial Services, which also has other features.

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

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

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 & Spenser are so useful. M&S Financial Services financial products are, of course, designed to make Marks and Spenser 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 M&S Financial Services 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 M&S Financial Services Home Insurance than you will anywhere else, and you may even pay less with M&S.

Ceramic Pot Pourri Bowl, at Marks & Spenser
Grooved design inside Circular shape Ceramic bowl Weight: 0.650kg, Manufacturer: Marks & Spencer

Per Una Wool Blend Open Weave Beret Hat, at Marks & Spencers
Berets always look so chic making this knitted beret the perfect way to add a stylishly warm finishing touch.

Portfolio Open Collar Dress, at Marks & Spencer
Part of Portfolio's Set Sail trend. Fresh and breezy, this sophisticated look features classic styling with vibrant accents of summertime pinks and blues. Feminine and coordinated designs for the new season

Mixed Bead Long Rope Necklace, at Marks and Spencer
Long length Mixed beads

Autograph Monroe Bedstead with TV Option, at Mark's & Spencer
Headboard H102cm, endboard H96cm, underbed H13cm Double: W144 x L246cm King: W159 x L256cm Super king: W189 x L256cm Upholstered with real leather Mattress sold separately Designed for use with M&S 26'' and 32'' TVs and Sony Bravia 32'' 3000S & 3000D. Maximum TV depth: 115mm. Other makes and models may not attach to the rise/fall mechanism TV and DVD player sold separately Scart leads sold separately (5m lead recommended) TV requires a 3-plug extension lead to connect to fixed plug socket. Extension lead sold separately. (5m lead recommended) TV requires an aerial cable to connect to the aerial socket in the room. Aerial lead sold separately Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Delivered flatpack due to size This product is not available for international delivery. Find out more Access to scart sockets is hindered by the rise/fall mechanism of this bed. M&S recommends that customers have 2 scart leads available for installation by the delivery team in case a DVD player or cable TV box is desired at a later date Customers should consider the position of TV aerial connections and power source in the room, Manufacturer: Marks & Spencer

Die Cut Butterflies Age 7 Birthday Card, at Marks & Spencer
Cover text: 7 Happy birthday Inside message: To...from Approx size: 174 x 126mm

Autograph Essentials Vintage Rose Embroidered Thong, at Marks & Spenser
Elegant and feminine this modern thong features rose embroidered details. The modern, high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

Long Sleeve Zip-Up Hooded Jacket, at Marks and Spencers
Cute and cosy, this hooded jacket is made from soft fabric to keep him feeling comfy. Part of our fabulously stylish Limited Collection

Pure Silk Leaf Embroidered Cushion, at M+S
Square shape Leaf embroidered design Lined L50 x W50cm, Manufacturer: Marks & Spencer

Pure Silk Woven Diagonal Stripe Tie, at Marks&Spencer
Add a luxurious finishing touch with this smart multi stripe tie in pure silk

Cotton Rich Straight Leg Denim Jeans, at Marks and Spencer
These straight leg jeans in cotton rich are great value. A practical, easycare style

Nectarine & Orange Pot Pourri Bag, at Marks & Spensers
Fruit scented assortment, Manufacturer: Marks & Spencer

Nintendo Wii™ Mario Kart Game, at Marks & Spensers
5 different control options: Wii Wheel, Wii Remote turned on side, Wii remote and nunchuck, classic controller and Nintendo Gamecube controller New wheels and courses including motorbikes Play with up to three friends locally or challenge up to 11 friends via Nintendo Wi-Fi Connection Includes Wii Wheel: Transform your Wii Remote in to a steering wheel that feels natural in anyone's hands Visit the Mario Kart Channel on your Wii Menu to check regional and worldwide stats, friend rankings, download ghost data, participate in worldwide Time Trial events and more! 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 *Must be returned with the tamper seal intact for full refund, Platforms: Nintendo Wii, ESRB Rating: Kids to Adults

Pure Cotton 3 Piece Long Sleeve check Outfit, at Marks & Spencer
Fun and practical, this cute 3 piece outfit features a check design. It's made from soft cotton to keep him comfy

Pure Cotton 3/4 Sleeve Mock Layer Cardigan, at Marks and Spencer
Smart and stylish, this mock layer cardigan is made from cool comfortable cotton and features a waist tie feature

Gold Plated Abalone Y Design Necklace & Earrings Set, at Mark's & Spencer
2 part set Hook fastening abalone drop earrings Y design necklace with intermittent beads

2 Limited Knitted Hats, at Marks n Spencer
Warm and comfy, these stripe design hats are ideal for chilly days

2 Tiga Leather Dining Chairs, at M+S
H87 x W47 x D59cm Seat: H43cm Sold as a pair Made from solid sheesham with a leather seat Treated with a protective low-sheen lacquer that provides added durability 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 SAVE ON SETS Save at least 25% when you buy these chairs as part of a set. Click here to view the Tiga Collection Set. , Manufacturer: Marks & Spencer

5 Younger Girls' Pure Cotton Plain Shorts, at Marks & Spensers
Stock up on stylish essentials with this 5 pack of pure cotton shorts which feature a cute centre bow

XBOX 360® Beijing 2008™ Game, at Mark's & Spencer
Experience the authentic look and feel of the Olympic Games Brand new control systems to give you the edge Train and manage your countrys elite, customising their agility, power, stamina and speed, creating the unbeatable team Challenge friends online to walk away with the gold Accessible to play online on XBOX Live 1 - 8 players 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, Platforms: Xbox 360, ESRB Rating: Everyone

Sapporo Desk, at Marks & Spencer
H180 x W80 x D50cm Made from solid bamboo and bamboo veneer Finished with a matt lacquer that provides the pieces with extra protection and durability Delivered flatpack due to size 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

Stain Defence™ Pleated Fashion Skirt, at Marks and Spenser
Smart and stylish, this fashionable skirt is treated with Stain Defence™ technology which helps repel everyday stains. The adjustable waist gives a perfectly comfortable fit for longer

Per Una Heart Drop Earrings, at M & S
Drop style Hook fastening Heart shape Leaf design For hygiene reasons, refunds will only be given in accordance with your legal rights

Per Una Long Wear Nail Colour, at Marks and Spencer
Chip resistant Long-lasting Apply two coats and allow to dry Nail colour: 11ml This product is not available for international delivery. Find out more

Collezione Wool Rich Funnel Neck Gilet, at Marks and Spencer
Fashionable and contemporary, this funnel neck gilet is part of Collezione, a sophisticated menswear collection inspired by Italian style

Limited Collection Butterfly Rope Necklace, at Marks & Spencers
Butterfly design charms Adjustable length Clasp fastening Length: 96cm, extendable by 8cm

Handheld Parmesan Grater, at Marks and Spenser
Grip handle Wide plate L23.5cm, Manufacturer: Marks & Spencer

Perfect 7 Pairs of FreshFeet Contrast Socks with Silver Technology, at MarksandSpencer
The original and best. The silver technology in these socks keeps them fresh and odour-free for the lifetime of the sock (which is quite a while, thanks to their reinforced heel and toe)

Blue Harbour Crew Neck Fleece Top, at Marks n Spencer
Relaxed and cosy, this long sleeve crew neck fleece top is outstanding value!

Autograph Older Girls' Wool Blend Coat, at Marks and Spencers
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

When you're shopping at Marks & Spencers 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 Financial Services. Offering everything from savings accounts and credit cards, to Home Insurance and Car Insurance, there's a lot more going on at Marks & Spencer than you might imagine.

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