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

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 M & S are so useful. M&S Money financial products are, of course, designed to make Marks & 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, Property Insurance policies. Usually, UK Property 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 Money Property 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 Money Property Insurance than you will anywhere else, and you may even pay less with M&S.

Shopping for financial products at M&S Money UK website is just as simple as shopping for fashion or furniture at the Mark's & Spencer online store. Here are just some of the financial products which can be purchased via the M&S Money website:

• M&S Insurance: M&S Car Insurance, M&S Property 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 MarksandSpencer, it's easy to see that these are good financial products, at value-for-money prices.

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

Multi Bead & Disc Necklace, at Marks n Spencer
Interspersed beads and discs Long length Rope chain Necklace length 104cm

Cute Button Jewellery Box, at Marks & Spensers
Modern and stylish, this cute button jewellery box will keep your jewellery organised and add a lovely finishing touch to your dressing table

Pure Cotton Long Sleeve Wales Hooded Top, at Marks and Spencer
Sports fans will love this cosy pure cotton hooded top featuring the cymru motif. A practical, easycare style

Water Resistant Analogue Watch, at Marks and Spencer
Water resistant Resilient strap Analogue

Autograph Styled Embroidered Non-Padded Balcony Bra, at Marks and Spencer
Glamorous and sophisticated this balcony bra features a delicate embroidered design. Stretch fabric and underwiring give a great fit and flattering uplifted shape. Beautiful exclusive lingerie

Nail Care Cushioned Emery Boards, at Marks & Spencer
Pack of 2 Cushioned Ideal for natural or artificial nails

Autograph Bone China Pasta Bowl, at Marks & Spencers
Wide shallow style Plain Diameter: 30cm, Manufacturer: Marks & Spencer

Portfolio Cotton Rich Straight Leg Jeans, at Marks & Spensers
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Oak & Metal Photo Frame 20 x 25cm (8 x 10"), at Marks and Spencer
Wide border Rectangle shape Aperture: 20 x 25cm (8 x 10''), Manufacturer: Marks & Spencer

Mellina 16-Piece Cutlery Set, at Marks & Spenser
16-piece set Includes 4 knives, 4 forks, 4 spoons and 4 teaspoons 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

Older Boys' Cotton Rich Motor Hero Shorties, at Mark's & Spencer
Made from comfortable, breathable cotton, these motor hero shorties are outstanding value

Wide Leg Drawstring Trousers, at Marks & Spencers
Fluid and feminine, these wide leg trousers are cut to flatter, giving an elegant silhouette. A stylish, fashionable look

Autograph Silver-Plated Twig Photo Frame 10 x 15cm (4 x 6"), at Marks and Spencers
Rectangle design Silver plated Aperture: 10 x 15cm (4 x 6"), Manufacturer: Marks & Spencer

Diamond Sleeveless Pointelle Vest, at Marks & Spenser
Diamond pointelle adds pretty femininity to this warm easy care vest. Perfect as an extra layer this winter

Stain Defence™ Tab Detail Fashion Skirt, at Marks & 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

Autograph Blush Body Cream, at Marks and Spencers
200ml Body cream

Rock Around The Clock CD, at Marks & Spencer
Audio CD, Marks & Spencer

Girls: Me and My Friends, at Marks&Spencer
Girls love their friends, this cool book includes everything they need to know about friendships

Fenton Love Seat, at Marks and Spencers
H90 x W132 x D103cm Seat H51cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish Includes 2 free matching bolsters All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

2 Compton Leather Chairs, at Mark's & Spencer
H103 x W45 x D50cm Leather seat pad Sold as a pair Made from solid oak and oak veneer Hand distressed, with the distressing aged with dark patina Mid-brown stained finish, followed by 2 coats of durable, clear lacquer of low sheen Solid hardwood legs 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. SAVE ON SETS Save at least 25% when you buy these chairs with antiqued-leather chairs as part of a set. Click here to view the Compton Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton 'I'm a little cuddly cutie' Top, at Marks & Spenser
Cute and practical, this top is outstanding value. The pure soft cotton will keep her happy and comfy

Portfolio Lightweight Brush Stroke Scarf, at Marks n Spencer
Add a luxurious finishing touch to your look with this elegant brush stroke print scarf. The perfect accessory to this season's styles

Artemis Lightweight Soft Large Rollercase, at Marks&Spencer
A smart option for travel, the wheeled design and retractable pull handle offer easy mobility no matter where you are in the world. A zip fastening helps keep your belongings secure

Per Una Short Sleeve Sparkle Top, at Marks & Spencer
A fabulous scoop neck top in pure soft cotton embellished with sparkling sequins

Interactive Giraffe, at Mark & Spensers
With a rattle, bell and scrunch Contrast fabric Double lined for safety Height: 30cm Suitable for ages 0+ This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Hastings 6-Drawer Chest, at Marks n Spencer
H137 x W54 x D44cm 6 drawers Crafted predominantly from solid pine and fibreboard 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 manufacturer's instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Pure Cotton Slim Fit Jeans, at Marks and Spencers
Ideal for sixth form, these slim cut jeans give a long lean look. They're made form pure cotton and feature fashionable crease detailing

Car Keyring, at Marks & Spencers
You'll never lose your keys again with this eye-catching keyring

Sun Formula Spray On Leg Make-Up, at Mark & Spensers
Light tan Long-lasting Gives the appearance of natural tights This product is not available for international delivery. Find out more

Classic Collection Palm Print Top, at Marks and Spencers
Feminine and pretty, this floral print top will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

When you're shopping at Marks and Spencer 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 Money. Offering everything from savings accounts and credit cards, to Property 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 Money. 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 Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Money 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."