There are lots of ways to save money using M&S Financial Services. Not least of these is Mark & Spensers Standard Motor Insurance. With M&S Financial Services 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 Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & Spensers, 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 Money, you get more, and you pay less.

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 Mark & Spensers are so useful. M&S Financial Services financial products are, of course, designed to make MarksandSpencer 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, Household Insurance policies. Usually, UK Household 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 M&S Financial Services Household 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 M&S Financial Services Household Insurance than you will anywhere else, and you may even pay less with M&S.

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 Financial Services. Offering everything from savings accounts and credit cards, to Household Insurance and Motor Insurance, there's a lot more going on at Marks and Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Financial Services. 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 Financial Services, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Financial Services 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."

Dinosaur Toy, at Marks and Spencer
4 different dinosaurs available: Stegosaurus, Brontosaurus, Tyrannosaurus Rex, Triceratops Please note you will only recieve one dinosaur at random This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Cashmilon™ Tassel Scarf, at Mark & Spencers
Keep warm and cosy in this stylish tasselled scarf made from supersoft cashmilon™. Perfect with the matching hat and gloves

Autograph Exclusive Floral Sequin Headdress, at Marks & Spencers
Fashionable and elegant, this headdress features intricate sequin and flower detailing. Sure to turn heads at stylish summer events!

Collezione Wool Rich Single Breasted 3 Button Jacket, at Mark's & Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques

Kaituna Hills Forty Knots Marlborough Sauvignon Blanc 2008 - Case of 6, at Marks n Spencer
Style: Dry Grape variety: Sauvignon Blanc Country of origin: New Zealand Closure: Screw cap Bottle: 6 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

Artificial Orchid in Round Mirror Vase, at Marks and Spencer
Round vase Mirrored design with clear centre Artificial orchid stem H36 x Diam 30cm, Manufacturer: Marks & Spencer

Tribeca Corner Chaise (Left-Hand), at Marks & Spensers
H90 x W276 x D99cm Seat H46cm (all dimensions are approximate) Length L203cm Seat cushions filled with shape-retaining foam - 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 feature reversible cushions Includes 3 matching scatter cushions 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 Solid birch feet with a medium finish Can be arranged to fit both left and right room corners 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

Limited Collection Stud Ankle High Buckle Boots, at Marks & Spencer
Heel height: 51mm Round toe Stud detail 3 buckle fastening feature Ankle high Mid heel Comes in sizes 3-8, including half sizes

3 Authentic Woven Pure Cotton Boxers, at Marks & Spencers
Add colour to your underwear drawer with these comfy assorted check and stripe design boxers

Blue Harbour Pure Cotton Straight Leg Chinos, at Marks and Spencers
A stylish smart casual look, these straight leg chinos are made from soft cotton and designed for a fashionable and comfortable relaxed fit

Decorative Vintage Photo Frame 13 x 18cm (5 x 7"), at Marks & Spencers
Pearl effect and diamant detail Aperture: 13 x 18cm (5 x 7") Dimension: 21.6 x 16.2 x 1.8cm, Manufacturer: Marks & Spencer

Thank You Retro Script Multipack of Mini Cards, at Mark's & Spencer
Cover text: design 1 - Thanks, design 2 - Thanks so much , design 3 - Thank you, design 4 - Thanks a lot Inside message: blank for your own message 8 cards, 4 designs Approx size: 95 x 80mm

Autograph Supima® Sateen Fitted Sheet, at Marks and Spencers
500 thread count 100% Supima cotton Supima is internationally recognised as the world's finest cotton. Only 1% of the world's cotton supply is fine enough to carry the Supima brand Supima is renowned for its superior strength, enhanced durability and sumptuous feel Normally available in single, double, kingsize and super-kingsize, Manufacturer: Marks & Spencer

Double Side Stripe Sports Swimsuit, at Mark & Spencers
Modern and shapely, this swimsuit is outstanding value. Style and quality at a great price

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

Malabar Coffee & Side Table Set, at Marks and Spencer
2 piece set Coffee table: H53 x L120 x W60cm Side table: H76 x W48 x D48cm 10 drawer coffee table 6 drawer side table Marble mosaic pattern Made from solid mango wood Treated with a protective low-sheen lacquer that provides added durability Fitted with antique-brass-effect handles All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered 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

Machine Washable Diagonal Multi Stripe Tie, at M & S
No more trips to the drycleaners! This striped tie is machine washable

August Bouquet, at M & S
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' Retro Sunglasses, at M & S
Cute and colourful, these retro sunglasses give 100% UV protection for safer style in the sun

Roberts RD-21 FM RDS/DAB Portable Digital Radio in Black, at Marks and Spencer
FM/DAB wavebands FM RDS station name display and easy read 16 x 2 character LCD display Menu display/selection of all major functions Search/manual tuning Rotary tuning, volume, bass and treble controls Line output, headphones and AC mains socket Uses 6 x LR20 (D size) batteries (Not included) with up to 150 hours battery life W300 x H180 x D95mm Weight 2kg 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

Blue Harbour Luxury Pure Cotton Check Shirt, at Marks and Spencers
Relaxed and stylish, this long sleeve check shirt is made from pure cotton, so it feels soft and comfortable to wear

Nina Simone - The Legend CD, at Marks and Spencers
Audio CD, Marks & Spencer

Chorus Shell Necklace & Earrings Set, at Marks & Spensers
2 part set Multi layer design Shell disk detail Adjustable length Hook fastening, drop style earrings

Classic Reds of Spain - Case of 6, at Marks and Spenser
1 San Terra Crianza 2006: A rich, full-bodied red that conjures up images of roaring log fires and hearty winter casseroles... 1 Romerol Rioja Crianza 2005: An exceptionally smooth and mellow red wine which is bursting with delicious plum and cassis flavours and has subtle hints of spice and vanilla... 1 Perez Burton Rioja 2005: A concentrated yet smooth Rioja, richly purple in colour with plenty of blackcurrant and raspberry flavours, and a spicy note... 1 Marqus Del Costal 2004: A deeply coloured and aromatic Spanish red with generous scents and flavours of rich red berries and blackcurrants, oak and spice... 1 Campo Aldea Graciano 2004: A concentrated, fine red from Rioja in northern Spain, spicy and perfumed with a rich core of blackcurrant, brambles and a peppery edge... 1 Marqus del Romeral Reserva Rioja 2004: A rich and mellow premium Rioja with a garnet red colour. This wine has lots of ripe red-berry fruit and subtle vanilla and toast undertones... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

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

Autograph Pure Cotton Stripe Dungaree Outfit, at Marks and Spencer
Practical and pretty, this cute dungaree outfit is made from soft cotton to keep her feeling comfy and happy. With luxury in every detail, this is part of our exclusive Autograph collection

2 Piece Cotton Rich Floral Dress Outfit, at Marks & Spensers
Modern and pretty, this sleeveless dress and cropped plain leggings look fabulously fashionable worn together or separately

Pure Silk Multi Spot Tie, at Marks and Spencers
Add a luxurious finishing touch with this contemporary spot detail tie in pure silk

Perfect Bottom Lift Knickers, at Marks and Spencers
Give your bum a boost with these light control shaping knickers - perfect for when you need a little lift!

Bamboo Teapot Stand, at M&S
Wooden lattice design H2.5 x W19 x D19cm, Manufacturer: Marks & Spencer

Besides Mark & Spencers Motor Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services 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 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 M&S purchases are also protected while you take them home.

Also, on both M&S Financial Services 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.