There are lots of ways to save money using M&S Financial Services. Not least of these is Marks & Spencer Standard Car Insurance. With M&S Financial Services 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 Financial Services, 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 Marks & Spencer Money, you get more, and you pay less.

M&S Financial Services 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 Financial Services 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 Tescos Direct:

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

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

Younger Boys' Permair™ Triple Strap Trainers, at Marks and Spencer
Scuff resistant Triple riptape straps Round toe Permair™ micro porous coating makes the shoes scuff- and water-resistant and easy to clean, while allowing feet to breathe Stitch detail Grip sole

Stainless Steel Avocado Slicer, at M+S
Looped handle for hanging storage L21cm, Manufacturer: Marks & Spencer

Craft and Foil 40th Card, at Marks & Spenser
Cover text: Forty Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future 175 x 126mm

Pure Cotton Short Sleeve Frill Front Top, at Marks & Spencer
Bring some casual elegance to your wardrobe with this short sleeve top, that features frilled neckline with lace giving it an extra stylish twist

Hooded Knee Length Anorak, at Marks & Spencer
The classic anorak has been given a contemporary twist with a button cuff detail. Designed in an easycare water resistant fabric with a hood, this practical and stylish jacket will keep you dry on rainy days

Firm Control High Waist Knickers, at Mark's & Spencer
Look slimmer in seconds! These firm control knickers gently flatten tummies for a sleeker, slimmer silhouette

Linen Blend Short Sleeve Crochet Top, at Mark's & Spencer
This short sleeved top will make a useful addition to your wardrobe. It features a pretty crochet design for a stylish casual look

Diamanté 60th Card, at Marks and Spencer
Cover text: Have a super 60th Inside message: Happy Birthday Approx size: 150 x 150mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Autograph Essentials Wool Rich Single Button Jacket, at Marks & Spenser
Luxurious and elegant, this smartly tailored wool rich single breasted jacket is part of our exclusive Autograph range

Blue Harbour Floral Side Panel Swim Shorts, at Marks & Spencer
Practical and fashionable, these swimming shorts give a comfortable, flattering and secure fit

Kaituna Hills Marlborough Sauvignon Blanc 2008 - Case of 12, at Marks & Spencer
Style: Dry Grape variety: Sauvignon Blanc Country of origin: New Zealand Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Per Una Satin Front Frill 3/4 Sleeve Cardigan, at Marks and Spenser
A sophisticated knitted 3/4 sleeve cardigan featuring a satin front frill detail

Easycare Short Sleeve Narrow Stripe Shirt, at M & S
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Pure Cotton Short Sleeve Pocket Top, at Marks and Spencers
This short sleeved top will make a useful addition to your wardrobe. It features a classic collar for a stylish casual look

Performance Lace Up Shoes, at Marks & Spensers
Round toe Lace up Lace stitch design Contrast stitch detail

Everyday Floral Embroidered Underwired Bra, at M&S
Soft and comfortable, this spot embroidered bra is ideal for everyday wear. Underwiring and padding give an uplifted and enhanced natural shape

Humming Bird Happy Birthday Gift Card, at Marks & Spenser
Credit card-sized Gift Card with presentation greetings card Can be redeemed in any of our UK stores and online 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

Stripe Trim Bikini Top, at Marks and Spencer
Fashionable and comfortable, this stylish stripe trim bikini is underwired for a flattering, supported shape. Look your best on the beach!

5 Pairs of Cotton Rich Assorted Socks, at M&S
Cute and comfy, these soft cotton rich socks feature assorted designs

Sentimental Father Birthday Card, at Marks and Spencer
Cover Text: Father, Memories of happy times, And moments spent together They seem like only yesterday, When really they're forever. Inside Message: With love Approx. Size: 178mm x 126 mm

M&S iPod® & MP3 Speaker Dock with CD Player & Radio Alarm, at Marks and Spencer
iPod dock MP3 Dock (via USB Slot) CD Player FM Radio Alarm Clock (either Buzzer, iPod tracks or FM Radio) Connects to other audio devices, 5 ways to wake up and snooze function Compatible with all generations of iPod and other MP3 players - classic, nano and touch iPods, iPod shuffle, MP3 players and other external audio devices when used in conjunction with stereo mini plug cord Charges iPod when docked Amplifier power output: 4W x 2, 1KHz 10% THD, 8 ohm Tuner band: FM, tuning range: 87.5 ~ 108.0 MHz, frequency step: 50 KHz Input impedance AUX input: 10 kohms Input terminal: external DC IN (for AC adapter), AUX IN AC adapter: input: AC 100 -240V, 50/60 Hz, output: DC 12V Power source: DC 12V 2A (external DC IN) Dimensions (approx): W25.6 x H12.1 x D14.5cm Weight: 1.526 kg 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

Romantic Pearl Cake, at Marks and Spencer
Serves 144 Three tier set of cakes: Small diam 15cm; Medium diam 20cm; Large diam 25cm; Total height 27.9cm Fruit cake : Vine fruits, nuts and cherries laced with brandy. Cake weight: 9.8kg. Fruitcakes can be eaten up to 14 days after collection Chocolate cake: A rich chocolate cake filled with with chocolate ganache. Cake weight: 5.6kg. Chocolate cakes can be eaten up to 5 days after collection Sponge cake: All-butter sponge filled with buttercream. Cake weight: 5.6kg. Sponge cakes can be eaten up to 5 days after collection Combination cake: Large fruit cake, medium sponge cake and small chocolate cake. Total cake weight 7.7kg Not suitable for nut allergy sufferers As featured on page 57 of the Food to Order brochure Flowers not included Order by 5pm to collect in 21 days Available for collection in the majority of our UK mainland stores Each tier of our wedding cakes has a base board, to support the use of pillars for presentation

Contrast Panel Padded Jacket with Stormwear™, at M+S
Comfy and practical, this padded jacket is outstanding value. An easycare style at a great price

Stripy Owl Age 4 Birthday Card, at Marks & Spencers
Cover text: too-wit too-woo happy birthday to you Inside message: With love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future 150 x 150 mm

Autograph Pure Cotton V-Neck Cardigan, at Mark's & 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

Single Glasses - MAXIM WINE SGL, at Marks and Spenser
This eye-catching wine glass combines an elegant, simple stem with a burst of colour on the body

Craft Text Birthday Card, at M+S
Cover text: happy birthday Inside message: blank for your own message Approx size: 230 x 114mm

Short Sleeve Embroidered Jumper & Floral Print Top Set, at Marks & Spencers
Cute and casual, these short sleeve cardigan and floral print top look fabulously fashionable worn together or separately

Pure Cotton Straight Leg Jeans with Belt, at Marks&Spencer
These straight leg jeans in pure cotton are great value. A practical, easycare style

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

Besides Marks&Spencer Car Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services 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 Financial Services 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 & Spensers purchases are also protected while you take them home.

Also, on both M&S Financial Services 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.