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

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks & Spencer, 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.

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 M&S are so useful. Marks & Spencer Money financial products are, of course, designed to make Marks & Spensers 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, Buildings Insurance policies. Usually, UK Buildings 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 & Spencer Money Buildings 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 & Spencer Money Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

Marks & Spencer Money 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 Buildings 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 Buildings 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, Marks & Spencer Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

M&S Glass TV Stand up to 50'', at Marks and Spenser
Supports LCD and plasma TVs up to 50" Toughened safety glass shelves Increased rigidity Clear glass with chrome supports Dimensions: H343 x W1187 x D540cm 79kg maximum top load weight Simple home assembly This product is not available for international delivery. Find out more 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, Manufacturer: Marks & Spencer

Domaine Ventenac Chenin Colombard 2008 - Case of 12, at Marks & Spencers
Style: Dry Grape variety: Chenin Blanc & Colombard Country of origin: France Closure: Synthetic closure Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Leon De Oro Cabernet Merlot 2006 - Case of 6, at M&S
Style: Full bodied Country of origin: Chile Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Thoughts & Crosses Game, at Marks and Spencers
Number of players: 2+ Suitable for ages 8+ Pack contains: Spinner, score pad, sand timer, 4 game pads, 4 pencils and instructions Approx. size: 135 x 135mm This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Bright Prints Desk Tidy, at Marks and Spencer
Desk tidy Includes: Notepaper, paperclips and drawing pins Approx size: 97 x 92mm

Limited Collection Cotton Rich Spot Print Bikini Knickers, at Marks and Spencers
Fabulous and modern, these comfortable bikinis are part of our Limited Collection lingerie. They're made from soft stretch cotton, and the low rise style is perfect for wearing with hipsters. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

2 Piece Pure Cotton Stripe Dungaree Outfit, at Marks and Spencer
Fashionable and practical, this cute 2 piece dungaree outfit features a stripe design with button detail. It's made from soft cotton to keep her comfortable and happy

Château Fabre Gasparets Corbières-Boutenac 2005 - Case of 6, at Marks and Spencer
Style: Full Bodied Grape variety: Carignan, Syrah, Mourvdre & Grenache Country of origin: France Closure: Natural cork Suitable for vegetarians and vegans Bottle: 6 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

Collezione Luxury Leather Wallet, at Marks & Spencer
Smart, stylish and practical, this leather wallet makes it easy to organise cards, notes and coins

Playstation®3 UEFA EURO 08 Game, at Mark's & Spencer
35 day return policy* UEFA EURO 2008 features stunning visual representations of the world's best players, playing in a more accessible, faster-paced and responsive version of the market-leading EA SPORTS football engine, and all of the teams and official stadiums that will be part of UEFA EURO 2008. Take on the challenge of leading one of over 50 European national teams to glory as UEFA EURO 2008 recreates all of the drama and excitement of the official tournament in Austria and Switzerland. Play as your favourite country from qualification right through to a virtual reproduction of the championship tournament

Cotton Blend Floral Button Jeans, at Marks & Spencers
Fashionable and practical, these cotton jeans are hardwearing and comfy. Floral buttons give a cute look

Thank You Teacher Gift Card, at Mark's & Spencer
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

Sony Bravia 20'' KDL-20B4050 Portable HD Ready LCD TV, at Marks & Spencer
HD Ready: Enjoy clearer, sharper and more vibrant images with this 'High Definition' ready TV. Perfect for the display of High Definition signals, i.e PlayStation3, Blu-ray Disc™ etc. Display: 20 inch LCD, Display Resolution: 1366 x 768 pixels Contrast: On screen contrast; 700:1. Dynamic contrast; 5000:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: W51.6 x H37.3 x D12.4cm (with table stand) Weight: 7.5kg (including stand) Surround Sound Effect: BBE ViVA high quality sound and built-in Virtual Dolby creating the effect of full surround sound from only 2 front speakers Connectors: 2 x scart sockets, 1 x HDMI™ port, PC input + audio in, 4 pin (Y/C) In (S Video) BRAVIA Engine Picture Enhancement: It uses the advanced BRAVIA engine to create stunning images with enhanced clarity, depth and definition Audio Description Compatible: Audio Description compatible allowing for blind or partially sighted people to follow television programmes (where available) BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button 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: 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 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 a indoor aerial Use wall mount

Animal Alphabet Reward Chart, at Marks and Spencer
7 day chart Wipe clean design Reward stickers

Pure Wool Broadway Rug, at Marks & Spencer
Rectangular Indented cross pattern Small: L150 x W100cm Medium: L180 x W120cm, Manufacturer: Marks & Spencer

Jacquard Patchwork Curtains, at Marks and Spencer
Pencil pleat Patchwork jacquard design Fully lined Comes in standard 168cm/66'' (STD) and wider 219cm/86'' (WDR) widths Also comes in three drop lengths: short (137cm/54''), medium (183cm/72''), long (229cm/90'') How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

5 Cotton Rich Scallop Trim Bikini Knickers, at Marks & Spencer
A great value pack, ideal for everyday wear. This pack may contain a mixture of designs and colours. See Click for zoom and other views

3 Pairs of Pom Pom Trainer Liner Socks, at Marks & Spenser
Designed to hide neatly inside your trainers, these breathable cotton rich socks are made with added stretch for comfort, and have a cute pom pom detail

M&S DECT Cordless Phone with Large Buttons, at Marks n Spencer
DECT - Digitally enhanced cordless phones provide crystal clear sound quality, increased talk time and range coupled with increased security Talk time - up to 10 hours with 100 hours standby Speakerphone - talk hands-free Large display, big buttons and ultra-slim profile HD Sound - High Definition communication Large, white backlit inverse display Stores 100 names and numbers Up to 10 hours with 100 hours standby 5 polyphonic ringer melodies and 5 standard ringer melodies Built-in digital answering machine with up to 15 minutes recording time Access the answering machine on the base Message counter display on base 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

Camouflaged Military Cap, at Marks & Spenser
Keep your cool in this camouflaged sun hat, a summer and holiday essential

Per Una External Pocket Stitch Detail Shopping Bag, at Marks & Spencer
A patent finish makes this fashionable bag even more special. Give your look the Per Una twist!

Small Tie Hanger, at M+S
Keep your ties smartly stored with this small tie hanger. An essential part of any gentleman's wardrobe

Pure Silk Brushed Animal Print Scarf, at Marks & Spencer
Add a luxurious finishing touch to your look with this elegant pure silk brushed animal print scarf. The perfect accessory to this season's styles

Pure Cotton Ultimate Non Iron Long Sleeve Stripe Shirt, at Marks & Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Lichfield Headboard, at Marks & Spencers
Headboard H126cm (49.6'') Double (4ft 6in) W147.5cm (58.1'') This headboard is designed to fit most standard divans supplied with all necessary fittings Mattress and divan sold separately Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Side panels are veneered Top panel is veneered with solid oak edging for strength All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself 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

Crozes Hermitage 2007 - Case of 6, at Marks & Spencer
Style: Medium bodied Grape variety: Syrah Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Pure Cotton Belted Knee Dart Jeans, at Marks and Spencer
Comes with belt shown in image These straight leg jeans in pure cotton are great value. A practical, easycare style

Older Girls' Hannah Montana Clogs, at Marks & Spencers
Round toe Slip-on Hannah Montana design Badge detail Flat sole Clog style Disney

Perfect Wide Lace Trim Brazilian Knickers, at Marks and Spencers
In the latest Brazilian style, these pretty purple knickers are made from comfort lace and guarantee no vpl, so they're perfect even under close-fitting clothes

Cotton Rich Velour Hooded Dress, at Mark's & Spencer
Fun and casual, this easywear dress feels so comfy to wear. Frill hem keeps the look fabulously fashionable.

Marks & Spencer Money 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 Marks & Spencer Money 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 and Spenser 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 Tesco 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 Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.