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 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 Financial Services, you get more, and you pay less.

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 n Spencer, 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.

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 MarksandSpencer 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, Buildings & Contents Insurance policies. Usually, UK Buildings & Contents 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 Buildings & Contents 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 Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

4 Pairs of Comfort Socks with modal, at Marks & Spencer
Designed for exceptional comfort everyday, these socks are made with a blend of natural modal and cotton for softness and durability. The cushioned sole adds extra comfort, a soft grip top fits the contours of your leg and smooth seams reduce abrasion.

Flowers by Post - 14 Exotic Orchids, at Marks and Spencers
These 14 vibrant dendrobium orchids offer a touch of eastern charm. Flowers by Post is a great value way to spoil someone you know - or yourself

Sensational at Sixty Card, at Mark's & Spencer
Cover text: Sensational at Sixty Inside is blank for your own message 175 x 126mm

Beach Towel, at Marks and Spenser
Plain L160 x W90cm, Manufacturer: Marks & Spencer

Girls' Limited Cotton Rich Stirrup Denim Leggings, at Marks & Spencers
Part of Girls Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

2 Pure Cotton Joggers, at Marks & Spenser
Comfortable enough for crawling or napping in, these soft cotton joggers are a practical and fashionable choice

Antigua Bedstead, at Marks and Spencer
Mattress sold separately Headboard: H100cm Endboard: H33cm Underbed: H10cm Double: L208 x W146cm Super: L218 x W161cm King: L218 x W191cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Side Salad Selection, at MarksandSpencer
Serves 8-10 Ready to eat Includes a table-presentable platter (not shown) 725g total weight As featured on page 28 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

Nintendo DS™i Console - White, at M & S
Packed with features and thinner than ever: 12% thinner than the Nintendo DS Lite with a bigger, brighter 3.25" screen Two 0.3 megapixel cameras, Nintendo DSi enables you to manipulate the images you capture with 11 photo lenses and face recognition technology Nintendo DSi's enhanced sound system means your music collection sounds great with or without headphones Play with sound:Play music on your DS, experiment, record, create and play with sound using the DSi Sound application, while the ability to record voice samples through the built-in microphone then edit them to your heart's content adds another good reason to keep your Nintendo DSi by your side Take your music on the move with Nintendo DSi. By storing aac formatted music on SD cards Motion-activated gaming on the go: Interact with your games and console on the move like never before, with motion-detecting cameras to help you control future games on the console Access a world of new possibilities with Nintendo DSiWare. Available through the Nintendo DSi Shop, Nintendo DSiWare is downloadable content that includes everything from new themes to customise your Nintendo DSi with to unique games. Basic applications, such as the Nintendo DSi Browser can be downloaded for free, while other content can be purchased from the Nintendo DSi Shop in exchange for Nintendo DSi Points Play, share and enhance your DSi experience WiFi online: Download new games and applications from the DSi Shop from cartoon making to a free internet browser and challenge yourself online with DSi's improved connectivity The system can also play most Nintendo DS games, and will have access to a library of more than 850 titles Each DSi comes complete with: one Nintendo DSi System, two Nintendo DSi styluses, one Nintendo DSi AC power adapter, an easy start guide, manuals (basic and controls) and a support booklet Dimensions: W137 x L74.9 x D18.9mm Weight: Approx. 214g (with stylus) Battery specs: Rechargeable lithium ion battery pack, Minimum brightness setting: 9-14 Hrs, Low brightness setting: 8-12 Hrs, High brightness setting: 4-6 Hrs, Maximum brightness setting: 3-4 Hrs (times may vary depending on software) Charging time: Approx. 2 hours and 30 minutes 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

Vanilla Scented Pillow, at Marks and Spencer
Vanilla scented Rectangle shape, Manufacturer: Marks & Spencer

Mother of Pearl Photo Frame 10 x 15cm (4 x 6''), at Marks&Spencer
Brushed metal texture Rectangle shape Aperture: 10 x 15cm (4 x 6''), Manufacturer: Marks & Spencer

Collections - PB WOOD PUL/TRAIN, at Marks n Spencer
Manufacturer: Marks & Spencer

Non-Iron Small Grid Check Shirt, at Marks & Spencer
Smart and innovative, this easycare shirt has a special finish on the fabric and is cleverly constructed to make it non-iron. A great time saver, ideal for work wear

Autograph High Heel Cross Strap Sandals, at Marks and Spencer
Open toe Contrast cross strap High heel Heel height: 84cm Comes in sizes 3-8, including half sizes

Handcrafted Shoes Mother's Day Card, at MarksandSpencer
Cover text: When I grow up I want to be just like you Inside message: With love on Mother's Day Approx size: Unfolded: 178 x 126mm

Collezione Pure Wool Single Breasted Jacket, at Marks & Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit 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 this garment to give you a feeling of luxury like no other

Pearl Clam Cosmetic Bag, at Marks & Spencers
Double handle Zip fastening with bead pullers Detachable mirror Two inner zip sections Pearl calm design

Grosgrain Holiday Trim Hat, at MarksandSpencer
Keep ahead of the trends with this contemporary sunhat, an essential look for style in the sun

Pure Cotton Corsage Duvet Cover, at Marks and Spenser
Corsage feature Comes in single (3ft), double (4ft 6in), kingsize (5ft) and super-kingsize (6ft), Manufacturer: Marks & Spencer

Halterneck Bold Stripe Bikini Top, at Marks & Spencer
Feminine and fashionable, this flattering bikini top is designed in the latest shape. A fabulous fashionable look

Detroit Nest of Tables, at Marks and Spencers
H55 x W56 x D56cm (largest table) Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak 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 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

Blue Harbour Stormwear™ Reversible Jacket, at Marks & Spencer
Stylish and contemporary, this jacket is treated with Stormwear™ technology, a breathable finish that repels water and stains

Petite Cotton Rich Slim Denim Jeans with Belt, at Marks n Spencer
Effortlessly stylish, these denim jeans come with a jewel decorated belt. They're designed to give a comfortable, flattering fit and make a perfect match for fashionable tops and t-shirts

Perfect 60 Denier Opaque Tights, at Marks and Spencer
Bold, colourful opaques are the perfect way to give any outfit this season's look. Pick up your pair today

Per Una Roma Wide Leg Trousers, at Marks & Spencers
A modern wide leg pair of trousers featuring a tab waistband feature with tonal square button

Autograph Essentials Embroidered Non Padded Balcony Bra, at Marks&Spencer
Sophisticated and feminine this balcony bra features a pretty embroidered design. Stretch fabric and underwiring give a great fit and flattering uplifted shape. Beautiful exclusive lingerie

Autograph Leather Knee High Riding Boots, at Mark & Spensers
Almond toe Stitch detail Knee high Small block heel

Autograph Ascari Bedstead - Double (4ft 6in), at Marks & Spenser
H107 x L238 x W147cm Underbed: H12cm (all dimensions are approximate) Scroll bedhead Hand tied button detail Mattress sold separately 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 Delivered flatpack due to size Free eco-friendly delivery to your home. 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

Pink Tutu Granddaughter Birthday Card, at Marks and Spenser
Cover text: For a beautiful Granddaughter Inside message: With love

Embroidered Spot Cushion With Recycled Filling, at Marks & Spencer
Spot design Square shape, Manufacturer: Marks & Spencer

M&S Money offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Money Car Insurance is not like that at all, and when you compare M&S Car 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 Car Insurance (correct at May 2009), which are quite often not included with comparable Car Insurance plans from companies such as Direct Line, Sainsburys, or Tesco:

• 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 Car 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 Money UK and European Breakdown Cover, since it covers you as a passenger too.