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

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

Shopping for financial products at Marks & Spencers 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 Marks & Spencers Money website:

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

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

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

Per Una Cotton Rich Single Breasted Mac, at M+S
A stylish long sleeve mac in soft cotton rich fabric featuring a single breasted design and button fastening

Pacific Side Table, at Mark's & Spencer
H48 x W48 x D48cm Handwoven in natural pandan leaves around a solid wooden frame Solid wood feet with glides With toughened glass top This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

3 Pure Cotton Stripe Tea Towels, at M & S
Pack of 3 Contrast stripe design, Manufacturer: Marks & Spencer

Mini Limited Pure Cotton 'Wild Life Rocks' Top, at Marks & Spencer
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering

Per Una Pure Cotton Printed Pyjamas, at Marks and Spencer
Modern and feminine, these pretty printed pyjamas are made from pure soft cotton. So you can relax in comfort and style. Part of Per Una's sleepwear collection

Checkerboard Cosmetic Bag, at Marks and Spencer
Rectangular Zip fastening Check pattern Side pouch

Faceted Bead Ribbon Necklace, at Marks & Spencer
Faceted beads Ribbon necklace Tie fastening Necklace length 107cm

Black & Ivory Die Cut Rose Wedding Card, at Marks&Spencer
Cover text: Wedding Inside message: Blank for your own message Approx size: 230 x 114mm

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

Baroque Jacquard Pillowcase, at Mark & Spensers
Baroque jacquard design Fits standard pillows, Manufacturer: Marks & Spencer

Fairtrade Cotton Buds, at Mark & Spensers
Contains approx 200 cotton buds By buying this item you are ensuring that cotton farmers in the developing world can improve their livelihoods Click here to view a video about Fairtrade Cotton

Sienna Sunglasses, at Marks & Spenser
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Portfolio Double Strand Link Chain Necklace, at Marks and Spenser
Clasp fastening Link chain style Double strand Necklace length: 40cm

4 Large Maxim Wine Glasses, at Marks and Spencer
Pack of 4 Height 23cm 45cl, Manufacturer: Marks & Spencer

Water Repellent Funnel Neck Jacket, at Marks and Spencers
Fashionable and practical, this water repellent jacket is fully lined and features a funnel neck with popper fastening. A comfortable, easycare style

3 Pure Cotton STAIN-AWAY™ Short Sleeve Polo Shirts, at M&S
An outstanding value pack of polo shirts in pure cotton. They're treated with STAIN-AWAY™, our unique high performance finish which helps prevent everyday stains, and makes them easy to wash out clean. It even works with ink blots!

Stainless Steel Turkey Baster, at Marks & Spenser
Collar and bulb design Includes brush, Manufacturer: Marks & Spencer

Limited Collection 3/4 Sleeve Snake Print Cardigan, at Marks & Spencer
This cardigan is part of Limited Collection's Sahara City trend. Wild and natural with a slick cosmopolitan edge, this trend features modern graphic prints, statement pieces and a warm colour palette

Vintage Lace Trim Brazilian Kinickers, at Mark's & Spencer
Brazilian briefs are the newest trend in knicker shapes with their flirty cutaway styling at the front and back. These flattering briefs are designed to make the most of your figure

Leopard Print Shopper Bag, at M+S
Fashionable and practical, this leopard print shopper bag is a useful accessory with bags of style!

Ridge Modern Mirror, at Marks and Spencer
Ridge design Dimensions: W76 x H89cm 3cm depth, Manufacturer: Marks & Spencer

Autograph Pure Cotton Long Sleeve Newspaper T-Shirt, at Marks & Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Hooded Fleece Lined Jacket, at Marks and Spencers
Warm and soft, this pretty hooded fleece lined jacket will keep her cosy

Linen Blend Safari Pocket Cropped Trousers, at MarksandSpencer
Smart and modern, these linen blend below-the-knee trousers are tailored for a chic contemporary look

2 Serving Spoons, at Mark & Spensers
Set of 2 18/10 stainless steel - the highest grade of stainless steel This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Maxim Espresso Cup & Saucer Set, at Marks and Spencer
2 part set Versatile fine dining range Pure white porcelain Cup height: 6cm Saucer diameter: 13.5cm, Manufacturer: Marks & Spencer

Neutral Stripe Shower Curtain, at Marks & Spencer
Neutral stripe design, Manufacturer: Marks & Spencer

Grow Your Own Strawberry Kit, at Marks and Spencers
This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Anthony Bear and Heart Mum Birthday Card, at Marks and Spencer
Cover text: With love To a very special Mum x Inside message: Happy birthday Approx size: 150 x 150mm

2 Older Girls' Plain Crop Tops, at Marks and Spenser
Cute and comfortable, these comfy crop tops make a great way of getting girls used to the idea of wearing bras

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 Marks & 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 & Spencers, through its Marks & Spencers Money website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.