There are lots of ways to save money using M&S Money Direct. Not least of these is Marks and Spencers Standard Motor Insurance. With M&S Money Direct 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 Money Direct, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor 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 Motor Insurance from M&S Financial Services, you get more, and you pay less.

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

M&S Money Direct 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 Money Direct 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 Mark & Spencers 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, 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 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 Money Direct UK and European Breakdown Cover, since it covers you as a passenger too.

Pure Wool Orbit Rug, at Marks & Spencers
Rectangular Orbit pattern Small: 80 x 140cm Medium: 120 x 180cm Large: 160 x 230cm, Manufacturer: Marks & Spencer

25 Cut Flowers Room Scenters, at Marks & Spenser
25 candles Floral scented Burns up to 4 hours, Manufacturer: Marks & Spencer

Per Una Water Repellent Faux Fur Hooded Jacket, at Marks and Spencer
A cosy faux fur hooded jacket featuring a water repellent finish.

Playmobil Chicken Coop Set, at Marks & Spencers
Suitable for ages 4+ Includes rooster, hens, chicks, farmer, baskets This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Silver Plated Heart Charm Bangles, at Marks and Spencers
3 bangle set Mixed heart charms Diamant detail

Mirrored Collection Console Table, at Marks & Spencer
H77 x W102 x D35 cm 2 drawers Mirrored finish with clear knobs Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item 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

Autograph Weekend Short Sleeve Floral Blouse with Silk, at M & S
Sophisticated and modern, this short sleeve blouse is beautifully designed and cut for a flattering shape and features a stunning floral print

Aeroplane & Suitcases Bon Voyage Card, at Marks & Spencer
Cover text: Bon Voyage Inner message: Blank for your own message Approx size: 178 mm x 126 mm

Pure Linen Bead Hem Detail Skirt, at Marks and Spencer
Elegant and feminine, this linen skirt is a look you'll love. Stylish, practical and fashionable

Adored Pure Cotton Mini Spot Nightdress, at Marks and Spencer
Stylish and elegant, this flattering mini spot nightdress is part of our feminine Adored collection. It's made from soft pure cotton for the ultimate in comfort

Baby Driver, at Marks & Spencer
Baby driver Suitable for ages 0-3 years Encourages activity and develops interactive play This product conforms to EN71 and the Toy Safety Directive 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, Manufacturer: Marks & Spencer

2 Pure Cotton Bath Time Motif Towels, at Marks and Spencers
Pack of 2 Bath Time motif Plain W40 x L60cm, Manufacturer: Marks & Spencer

Cotton Rich Padded Bra, at Marks & Spensers
Modern and stylish, this soft stretch cotton rich bra is perfectly smooth, so there are no visible outlines under clothes. Light padding and underwiring give an enhanced natural shape. Designed for women who want a streamlined silhouette

Long Sleeve Stripe Fleece, at Marks & Spensers
Cute and cosy, this funnel neck fleece is outstanding value. An easycare style at a great price

Per Una Roma Wide Leg Centre Crease Trousers, at Marks & Spencers
A smart pair of wide leg trousers in a soft stretch fabric featuring a centre crease and jet pockets

Autograph Loretto Coffee Table/Footstool, at Marks & Spencer
Removeable top cushion. Can be used as a footstool or a coffee table All-weather synthetic rattan Silver-effect rattan Quick drying foam seat pad made from 100% polyester H30.5 x W80.5 x L80.5cm Suitable for indoor or outdoor use This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

First Readers Hansel and Gretel, at Marks & Spencer
First readers help beginner readers to enjoy their favourite fairy tales. Sharing the main story and the delightful pictures with your child will develop familiarity with the words and phrases. Your child will soon be ready to read the short, simple sentences on each right-hand page

Autograph Pure Silk Twister Tie, at Marks and Spenser
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Classic Collection Floral Embroidered Wedge Slippers, at Mark & Spencers
Relax in style in these comfortable, hardwearing wedge slippers featuring emroidered floral detail. Machine washable for added convenience

Apple Tree Retirement Card, at Marks & Spencer
Cover text: On your Retirement Inside message: Enjoy the fruits of your labour Approx size: Unfolded: 174 x 126mm

Older Boys' Transformers Belt, at Marks & Spencers
Fashionable and practical, this square buckle transformer belt adds a stylish finishing touch

Philips HP6335 Double Contour Ladyshave, at Marks&Spencer
Fast and efficient shaving: Twin-head for light shave of even the toughest hairs Adjusts to every body curve: Floating shaving head follows your body curves Smooth shave with aloe vera Washable shaving head Rechargeable Accessories: cleaning brush, charging stand and bikini trim attachments

Lamb Guard of Honour with a Mustard & Herb Crust, at Marks and Spencer
Serves 4-6 Ready to cook Suitable for freezing 800g As featured on page 36 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Artificial Lily & Rose Cylinder Vase, at Marks and Spenser
Our beautiful artificial flowers look just like the real thing and are fabulous for brightening up your home all year round

Secret Support™ Sports Mules, at Mark's & Spencer
The ultimate in comfort, these sport slippers are made with hidden support that moulds to the natural contours of your feet. They are machine washable for added convenience

Divan Sets - F400 ZIPL/NON STO, at Marks & Spensers
Manufacturer: Marks & Spencer

Royal Jelly & Pure Honey Gift Set, at Mark's & Spencer
This gift set contains 3 toiletry products from the Royal Jelly range which contain royal jelly, a natural source of vitamin B, added honey renowned for its moisturising properties, vitamin E and pro-vitamin B5 to help leave the skin soft and smooth

Playmobil Farm Tractor, at Marks and Spenser
Suitable for ages 4+ Cargo container can be tilted Mowing blade flips down This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Older Boys' Pure Cotton Ben 10 Shorties, at M & S
A must for fans of Ben 10, these shorties feature the popular character

Pure AVANTI Flow DAB Radio, at Marks and Spencer
Radio: Stereo radio with Internet (Wi-Fi), DAB digital radio (DAB Band III and L-Band), FM (with RDS and RadioText) Wireless: 802.11b and 802.11g supported with WEP and WPA/WPA2 encryption iPod support: Dock supports iPod mini, iPod with colour display, iPod 4th generation, iPod nano, iPod nano 2nd generation, iPod nano 3rd generation with video, iPod nano 4th generation, iPod with video (5th generation), iPod classic, iPod touch and iPod touch 2nd generation. Supports iPod shuffle, iPod shuffle 2nd generation and iPod 1st, 2nd and 3rd generation via auxiliary input Media Streaming: Audio codecs supported include WMA (Standard V9), WAV, AAC, MP3, MP2, Real Audio. Media streaming requires UPnP server or PC/MAC running UPnP server software (supplied upon registration at The Lounge) Speaker: 2 x Full-range 3'' drive units, 5.25''subwoofer. Audio power output: 75W RMS total (2 x 20W + 35W) Input connectors: 220-240V AC power socket (power cable supplied). 3.5mm Aux-in for auxiliary devices. iPod connector with adapters. USB (mini-B type) for product upgrades Output connectors: 3.5mm headphone socket LCD Display: High contrast yellow-on-black graphical 128 x 22 auto-dimming OLED display Mains power supply: 220-240V AC internal supply Aerial: Removeable telescopic aerial Wi-Fi/USB: Add new features as they become available via Wi-Fi (or USB) Flow: Connected radio for Internet radio, listen again, podcasts, DAB & FM, media streaming and PURE Sounds. Alarm: Easy-to-use tone or radio alarm with large snooze button Timer: Set a sleep timer to switch off AVANTI Flow automatically Presets: Save up to 30 DAB and 10 FM presets Dimensions: W38.5 x H12.5 x D22.5cm Remote: Reach F10 RF remote control 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

Besides Marks & Spensers Motor Insurance, M&S Money Direct Credit Cards and other financial products, M&S Money Direct 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 Money Direct 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 Spenser purchases are also protected while you take them home.

Also, on both M&S Money Direct 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.