There are lots of ways to save money using M&S Finance. Not least of these is M&S 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 Mark & 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.

Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the Marks & Spenser online store. Here are just some of the financial products which can be purchased via the M&S Finance 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 Marks&Spencer, it's easy to see that these are good financial products, at value-for-money prices.

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

M&S may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Car Insurance, but Mark's & Spencer do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M&S Finance website. With a simple, no-hassle service, you can compare features between a number of Marks & Spencers Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Finance loans, credit cards or Property Insurance - besides a number of other insurance products, M&S Finance can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Finance insurance products (Property Insurance, Car Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Marks & Spencers insurance products in document format too.

HP Compaq Presario CQ61-120SA Notebook, at Marks & Spencer
Processor: Intel Pentium processor T4200 Processor speed: 2 GHz, Level 2 cache 1 MB RAM: 3072 MB (1 x 1024 MB + 1 x 2048 MB), Supports up to 8 GB DDR2 memory Screen: 15.6" Diagonal High Definition HP LED Brightview Operating System: Genuine Windows Vista Home Premium with Service (32-bit) Hard Drive: 250 GB SATA Hard Disk Drive 5400 rpm up to 9 GB partition for system recovery DVD Drive: Lightscribe Super Multi DVD Writer (+/-R +/-RW) with Double Layer support Graphics card: Intel Graphics Media Accelerator 4500MHD Up to 1309 MB Total Available Graphics Memory Memory slot: 5-in-1 integrated Digital Media Reader for Secure Digital cards, MultiMedia cards, Memory Stick, Memory Stick Pro, or xD Picture cards Camera: Webcam with integrated microphone Interfaces: 1 headphone-out, 1 mic in, 3 USB, 1 HDMI connector, 1 VGA port, 1 RJ45 ethernet connector Connectivity: Ethernet 10/100BT integrated network interface 802.11b/g WLAN Battery: 6-cell Lithium-Ion (Li-Ion) battery Media software: Windows Media Player, Windows Photo Gallery, DVD Play, Windows Movie Maker, Windows DVD Maker, Cyberlink DVD Suite, Windows Media Center Additional software: Microsoft Works and Microsoft Office Home and Student 2007 60-Day Trial Version, Microsoft Internet Explorer, Windows Mail, Adobe Reader, Dimensions: L37.8 x W25.2 x H4.36cm Weight: 2.75kg

Signature Natural Cotton Scented Inclusion Candle, at Marks & Spencer
Natural cotton fragrance Comes with a flower detail glass holder, Manufacturer: Marks & Spencer

Total Support Floral Jacquard Non Wired Bra, at Marks and Spencer
Specially shaped for practical uplift, this attractively embroidered bra offers support and comfort for the larger bust. Suitable after breast surgery, wider straps and full size cups ensure a secure fit

4 Terrace Mugs, at Marks & Spenser
H11cm Set of 4 Pure white porcelain Suitable for everyday use, Manufacturer: Marks & Spencer

Happy Birthday Cake Stand Gift Card, at Marks & Spensers
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Ingredients Coconut Body Butter, at Marks and Spencer
Body butter Coconut scent 200ml

Per Una Essentials Striped Non Padded DD-G Bra, at Marks and Spencer
Fresh and feminine, this stylish bra is beautifully detailed with a striped pattern. It's underwired and structured to give great support and a natural uplifted shape. Pretty everyday fashion

Antigua Large 2 Seater Sofa AU09 Newness, at Marks & Spencer
Manufacturer: Marks & Spencer

Artificial Orchid in Square Layered Vase, at Marks and Spenser
Artificial orchid Square layered glass vase No watering required therefore easy care Fresh looking throughout the year Diameter: 28cm, Manufacturer: Marks & Spencer

Autograph Pure Cotton Percale Fitted Sheet, at Marks & Spencer
Comes in single, double, king-size and super king-size Plain 400 thread count - thread count refers to the number of threads, both vertical and horizontal, in a one-inch square of fabric 100% cotton percale - a medium weight fabric in thread counts of 200 and above, Percale is tighter than standard weave fabrics making it feel luxurious and smooth. It also washes very well. Supima Cotton - superior strength cotton with improved durability and increased lifespan. Because of the fineness of Supima cotton, more fibers can be spun into a yarn of a given count, which enhances the feel, softness, drapeability and brilliance of color. Think climate! This can be washed effectively at 30C, find out more , Manufacturer: Marks & Spencer

Blossom Tree Embroidered Quilt, at M&S
L150 x W200cm Quilted Embroidered blossom tree design, Manufacturer: Marks & Spencer

2 Classic Underwired Plain Bras, at M&S
Soft and comfortable, this plain trim bra is ideal for everyday wear. Underwiring and padding give an uplifted and enhanced natural shape

Limited Collection Low Strap Shoe, at Mark & Spencers
Round toe Mid heel Buckle fastening Comes in sizes 3-8, including half sizes

Vienna Collection - Pendant Shade, at MarksandSpencer
Facetted glass curtain shade Chromed steel frame 28 x 24cm, Manufacturer: Marks & Spencer

Autograph Leather Wingtip Derby Shoes by Jeffery-West, at M+S
Designed exclusively for Autograph by Jeffery-West Square toe Lace up 2 eyelets Punched hole and stitch detail Block heel

Cosmetox Rejuvenating Cleansing Cloths, at M&S
Visible results in 4 weeks Suitable for all skin types Hypoallergenic

Embroidered Hippo Knit Shawl, at Marks and Spencers
Soft and comforting, this snuggly shawl features a cute embroidered hippo design and scalloped edge. Perfect for bedtime, or as a light layer during the day

M&S 1.5m Gold-Plated Scart Cable, at Mark & Spencers
1.5 metre cable Gold-plated connectors reduce resistance and improve quality 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

Autograph Merano 2-Seater Unit (Left-Hand Arm), at Marks and Spencer
H84 x W172 x D102cm Seat H47cm, arm H63cm, top back rail H63cm (all dimensions are approximate) Seat cushions made from shape-retaining foam with extra-thick fibre wrap - 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 have reversible cushions Available in fixed cushion covers only 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 Glide feet with a dark finish 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

Sprung-Edge Non-storage Divan & F300 Mattress, at Mark's & Spencer
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190cm 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: 25cm Divan Height: 41cm 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

Andante Round Side Plate, at Marks and Spencer
Ideal for everyday use, durable Plain Diam 21cm, Manufacturer: Marks & Spencer

Corner Grps - N ABB CNR BRONCO, at Marks and Spenser
Manufacturer: Marks & Spencer

Autograph Wool Blend Pinstripe Wide Leg Trousers, at Marks & Spenser
Luxurious and elegant, these smartly tailored wide leg trousers are part of our exclusive Autograph range

Autograph Pure Cashmere Crew Neck Cardigan, at Marks and Spencer
Sophisticated and modern, this plain cardigan is made from pure cashmere for the ultimate in luxurious softness

Machine Washable & Tumble Dry Single Breasted 3 Button Jacket, at Marks and Spencer
Put an end to expensive trips to the dry cleaner with our innovative Machine Washable range

Petite Sleeveless Seam Dress with Belt, at Marks & Spencers
Get this season's look with this gorgeous belted dress. It's fashionably styled with seam detail. Specially designed and perfectly proportioned for the petite frame

125 Years Pure Cotton Long Sleeve Twill Check Shirt, at Marks & Spencers
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

Per Una Roma Pure Cotton Wide Leg Belted Trousers, at Marks&Spencer
A fashionable pair of wide leg trousers in pure soft cotton featuring front pockets making it extra stylish

Langhe Arneis 2007 - Case of 12, at M&S
Style: Dry Grape variety: Arneis Country of origin: Italy Closure: Screw cap Bottle: 12 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

Fabric Finish Text Fiancé Birthday Card, at Marks and Spencer
Cover text: Fianc Sending you all my love Inside message: On your birthday Approx size: Unfolded: 178 x 126mm

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 Property 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 Property 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.