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

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

Also, on both M&S Finance Premier Household Insurance and Standard Household 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.

Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the Marks and Spencer 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 Motor Insurance, M&S Household 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 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.

Perfect Blue Harbour Haritage Pure Cotton Stripe Shirt, at M&S
These heritage inspired shirts are a wardrobe staple. The contrasting trims and button-down collar create a stylish, authentic look that's great for any occasion

Classic Collection Pure Cotton Crochet Neck Top, at Marks & Spencer
Modern and stylish, this versatile top is made from soft easycare fabric and features a crochet neck. A fashionable style with a comfortable, flattering fit

New 16GB Apple iPod touch, at Marks & Spencers
Holds up to 3,500 songs, 20,000 iPod-viewable photos, and 20 hours of video or some of each Genius feature finds the songs in your library that go great together and makes a Genius playlist for you Accelerometer - detects when you rotate it from portrait to landscape, then automatically changes the contents of the display 3.5-inch (diagonal) widescreen Multi-Touch display. 480-by-320-pixel resolution at 163 pixels per inch Ambient light sensor Built-in volume controls and speaker - Volume buttons built into the left side give you easy access to the most frequently used controls Built-in Wi-Fi - Surf the web and view your email Cover Flow - flip through your album art Play games with stunning 3D graphics. Tilt, move, and play accelerometer-inspired games. Use Multi-Touch to give you precise, fingertip control over game elements. (games available separately) Contoured stainless steel design Built-in speaker - lets you hear the music, dialogue, and action without headphones, perfect for casual listening Nike + iPod support - Slip the Nike + iPod Sensor (available separately) into your Nike+ shoe and start your run. The sensor communicates wirelessly with your iPod touch, tracking your time, distance, and calories burned. It even gives you voice feedback on your progress. Works with new cardio equipment available in many fitness centres Dimensions: H11 x W6.2 x D0.8cm Weight: 115 grams For Mac and Windows. Requires Windows Vista or Windows XP Home or Professional or Mac OS X v10.4.11 or later Built-in rechargeable lithium ion battery capable of up to 36 hours of audio playback or 6 hours of video playback In the box: iPod touch, Polishing cloth, earphones, USB 2.0 cable, dock adaptor, Quick Start guide TM and 2008 Apple Inc. All rights reserved 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

Ceriso Frill Trim Satin Bikini Knickers, at M+S
Sassy and glamorous, these modern bikinis feature a frill trim and centre bow. The low rise style gives a flattering, shapely fit, perfect for wearing with hipsters. Designed for women who want the latest look

Silver Plated Necklace & Earrings Set, at Marks and Spencers
2 part set Clasp fastening pendant necklace with adjustable length Hook fastening drop earrings Necklace length 41cm, extendable by 8cm For hygiene reasons, refunds will only be given in accordance with your legal rights

Per Una Essentials Clover Embroidered DD-G Bra, at M & S
Modern and elegant, this stylish bra features stretch lace fabric and a clover embroidered design. It's underwired and structured to give great support and a natural uplifted shape. Pretty everyday fashion

Sebo Felix Filter Bags, at Mark's & Spencer
Suitable for use with Sebo Felix upright range of vacuum cleaners

Pure Cotton 3/4 Sleeve Floral Print Top, at Marks and Spencers
Smart and stylish, this boat neck top is made from cool comfortable cotton and features a floral print

Sprung-Edge Non-Storage Divan & M200 Mattress, at Marks and 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 L90cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): w180 x l200cm Mattress depth: 24cm Divan Height: 41cm Mattress has a soft pillowtop layer Mattress Spring Count: 522 Sprung-Edge divan - can be used with any mattress 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

August Bouquet, at Marks & Spencers
Historically a symbol of love, this assortment of larkspur in shades of lilac, cream and pink also contains deep purple lisianthus, sandriana and delicately pretty roses Available for delivery from 1st to 29th August 2009

Younger Girls' Bow Bar Permair™ School Shoes, at Marks & Spencer
Round toe Bow feature Single ankle strap with rip tape fastening Flat sole Scallop trim Scuff Resistant Permair™ micro porous coating makes the shoes scuff- and water-resistant and easy to clean, while allowing feet to breathe

Autograph Wool Blend Single Breasted 2 Button Jacket, at Marks & Spencer
Luxurious and elegant, this smartly tailored single breasted jacket is part of our exclusive Autograph range

Cotton Rich Animal Print Low Rise Shorts, at Mark & Spencers
Low rise shorts are perfect for wearing with hipster styles and these stylish animal print shorts are shapely and modern. Added stretch gives a comfortable, flattering fit

Pure Silk Lightweight Bold Abstract Border Paisley Scarf, at Marks & Spencers
This sophisticated multi spot scarf is the perfect accessory to this season's fashions. The abstract paisley border design a stylish finishing touch

Pitter Patter Text New Baby Card, at Marks and Spencers
Cover text: Congratulations Tiny fingers, tickly toes, bouncy baby, button nose Inside message: With love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 340 x 140mm

Leather iPod Nano Sleeve, at Marks & Spensers
The leather case offers a way to help protect your iPod nano from day to day knocks and scrapes, ideal for use when travelling with cut out slots for headphones and click wheel so you don't need to remove the Nano from the case to use it

M&S 2GB Micro SD Memory Card, at M&S
Compatible with digital devices with a microSD card slot Read (MB /s): 10MB Write (MB /s): 3MB Available capacity: 1940MB 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

12 Cup Muffin Tray, at M+S
Ideal for baking sweet or savoury muffins Heavy gauge easy to clean bakeware Premium non-stick coating Soft grip handles L18 x W26.5cm, Manufacturer: Marks & Spencer

Short Sleeve Textured Knit Open Front Cardigan, at Marks & Spencer
Pretty and feminine, this cardigan features a textured knit design. A smart modern look

Bay Tree, at Marks&Spencer
An evergreen bay tree for outside display. Also known as Laurel, wreaths of this aromatic plant were used by the Ancient Greeks and Romans to crown victors. Not only will this tree look fantastic in your garden or patio, the leaves will add extra flavour to your cooking tooAvailable for delivery from 1st April to 30th September 2009

Samsung 37'' LE37A686 HD Ready LCD TV, at Marks & Spencer
HD Ready 1080p: HD 1080p compatible to display High Definition signals in breathtaking quality, i.e. Playstation 3, Blu-ray, etc. HDMI (High-Definition Multimedia Interface) delivers crystal-clear, digital audio and video signals using a single cable. 1080p is the maximum resolution defined for HDTV use Display: 37 inch LCD screen, 1920 x 1080 resolution Contrast: Dynamic contrast 50000:1 Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: 988 x 83 x 610mm (without stand), 988 x 240 x 670mm (with stand) Weight: 19 kg with stand SRS TruSurround XT: For enhanced surround sound effect AV inputs: 4 x HDMI , 2 x scart, 1 x RF Input, 1 x component, 1 x composite, 1 x optical, 1 x USB, 1 x VGA, 1 x headphones and 1 x PC input 2 x S-Video(all inputs at back of TV) DNIe+ Technology: The Digital Natural Image Engine produces images with incredible depth and density. Advanced contrast and detail enhancers combine to produce deeper richer life like colours Wide Colour Enhancer 2: Primary colours are strengthened to increase depth and intensity to show pictures in all their natural beauty Ultra Clear Panel: Retains the same high performance in any light conditions 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount T042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Easycare Poplin Long Sleeve Shirt, at M&S
This easycare shirt is so easy to look after, it can be washed and worn regularly while keeping a pristine appearance

Ditsy Floral Stud Earrings, at Marks & Spencers
Butterfly clip fastening Floral design For hygiene reasons, refunds will only be given in accordance with your legal rights

5 Cotton Rich Card Suit Print Shorts, at Marks & Spencers
These card suit print cotton rich shorts are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Hard-Top Non-Storage Divan & M200 Mattress, at Marks & Spencers
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: 24cm Divan Height: 41cm Mattress has a soft pillowtop layer Mattress Spring Count: 522 Hard-Top divan rigid, un-sprung frame gives a firmer feel. Recommended for use with selected mattresses 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

Cross Over Stripe Tankini, at M&S
Modern and stylish, this comfortable tankini is sure to make a splash!

Single Sprung-Edge 2 Drawer Divan & Autograph M500 Mattress - Medium, at Mark & Spensers
No turn mattress Mattress and divan are anti-allergy Mattress: spring count 1225, depth 27.5cm Divan height: 41.5cm Single 3ft: W90 x L190cm 2 large right- or left-hand drawers Divan drawer size: H15 x W78.4 x D53cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Stir-Fry Pan, at Marks and Spencers
Non-stick interior Even heat distribution Dishwasher safe Diam: 28cm, Manufacturer: Marks & Spencer

First Aid Kit, at Marks & Spencers
A convenient, portable first aid kit containing the basic essentials for first aid treatment

The Floral Collection Lavender Drawer Spray, at Marks & Spenser
3 in 1 body, room and linen spray 25ml 20 drawer scenter cards This product is not available for international delivery. Find out more

When you're shopping at Marks and Spencer online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M&S Finance. Offering everything from savings accounts and credit cards, to Household Insurance and Motor Insurance, there's a lot more going on at Marks & Spencers than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Finance. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M&S Finance, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Finance website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."