There are lots of ways to save money using M&S Financial Services. Not least of these is Marks and 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 and 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 M&S Finance, you get more, and you pay less.

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

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 House 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 House 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.

Cashmilon™ 3/4 Sleeve Slash Neck Jumper, at Marks and Spenser
Fashionable and flattering, this 3/4 sleeve slash neck jumper is made from supersoft cashmilon™ and features a ruched front detail

La Source Chablis 2006 - Case of 6, at M & S
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Gone Fishing Keyring, at Marks & Spenser
You'll never lose your keys again with this eye-catching keyring and it's cricket design

Modal Rich Vintage Lace Bow Shorts, at Marks and Spencer
These shorts are made with supersoft modal. They feel incredibly comfortable and silky smooth against the skin

Happy Birthday Cupcake Card, at Marks and Spencer
Cover text: Happy Birthday 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 Approx size: 150 x 150mm

Short Sleeve Plain Jersey Body, at Marks & Spensers
This plain scoop neck body is a casual style essential. Perfect for wearing under trousers or skirts for a contemporary look

Older Boys' Holiday Flip Flops, at MarksandSpencer
Flat sole Plain

Portfolio Sleeveless Leapord Print Dress, at Marks & Spenser
Chic and contemporary, this sleeveless dress features a leapord print. A fabulous fashionable look

First Readers Goldilocks & the Three Bears, at Marks & Spensers
Based on the traditional folk tale 'Goldilocks and the Three Bears', this vibrantly illustrated story is sure to become a favourite in every home. Follow the naughty Goldilocks into the house of the three bears, and see what happens when they come home and find her!

Spitfire Theme Cufflinks, at Marks & Spenser
A smart finishing touch at a great price

Animal Print Longline Tunic, at Marks & Spenser
Fresh and feminine, this longline tunic features a stunning animal print. A sophisticated new look, perfect for this season

Walnut Angled Photoframe 13 x 18cm (5 x 7''), at Mark's & Spencer
Wide border Angled frame Aperture: 13 x 18cm (5 x 7''), Manufacturer: Marks & Spencer

M&S Corded Phone with Large Phonebook & Answering Machine, at Marks and Spencer
Extra large 3 line display 120 name and number phonebook Digital answering machine - Up to 20 minutes digital recording time with remote access Hands-free speakerphone Caller display stores information on the last 99 calls Last number redial Adjustable speakerphone and ringer volume Wall mountable 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

Antique Brass Collection Side Table, at Marks & Spencer
H51 x W50 x D41cm Made from antique-effect solid brass tubing Legs made from antique-effect solid brass tubing Tops made from toughened glass Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself This product is not available for international delivery. Find out more SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Antique Brass Collection Set. , Manufacturer: Marks & Spencer

Autograph Blush Body Spray, at Marks and Spencers
To use: Shake well. Spray 15cm from your body 100ml This product is not available for international delivery. Find out more

Single Breasted Mid Length Belted Mac, at M & S
Practical and fashionable, this water resistant mac features a single breasted design and button down notch lapel. Perfect for drizzly days, it can be accessorised with a rain hat or umbrella to see you through the season in style

Boys' Limited T-Shirt, Scarf and Waistcoat Set, at Mark & Spensers
Fashionable and versatile, this cotton short sleeve t-shirt and sleeveless waistcoat is perfect for smart-casual dressing and looks great with the check tasssled scarf

3 Piece Cotton Rich Stripe Denim Outfit, at Marks and Spencer
Cute and comfy, this 3 part set is made up of a stripe top, a denim skirt and tights. They look fabulously fashionable worn together or separately.

2 Cotton Rich Lace Trim Vests, at Marks&Spencer
Stylish and practical, this pack of 2 vests makes a great value way to stock up your underwear drawer. The stretch cotton fabric is the ideal choice for everyday wear and gives a comfortable flattering fit

Autograph Large Cherry Blossom Jewellery Box, at Mark & Spencers
2 drawers Cherry blossom design Mirror finish

Formula Revival Ultimate Moisturiser, at Marks & Spenser
Week 1 - skin appears more radiant and hydrated Proven to reduce appearance of fine lines and wrinkles in 4 weeks Week 2 - skin tone looks even and fine lines appear smoother Evens skin tone, diminishing the appearance of skin imperfections Week 3 - skin feels firmer Revives and regenerates your skin, revealing a beautiful you Week 4 - the appearance of lines and wrinkles is dramatically reduced, skin feels renewed, revived and radiant Protects skin against environmental pollution Hypoallergenic 45ml

Per Una Wide Leg Centre Crease Trousers, at Marks and Spencers
A smart pair of wide leg trousers in stretch cotton featuring a centre crease

Secret Support™ Lace Trim Vest, at Mark & Spensers
Flattering and feminine, this nightdress is made with Secret Support™ which gives gentle support and a flattering, defined shape. A soft, comfortable style

Ashbourne Recliner, at Marks and Spencer
H99 x W112 x D105cm (Reclines to L173cm) Seat H49cm (all dimensions are approximate) 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 Manual recline model 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 dark finish 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 08457 624 624 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 Bow Cut Out Court Shoes, at Marks & Spenser
Almond toe Court style Cut out detail Bow feature Mid heel Heel height: 72mm Comes in sizes 3-8, including half sizes

Per Una Roma Textured Stripe Bootleg Trousers with Belt, at MarksandSpencer
A stylish pair of bootleg trousers in stretch cotton featuring a self stripe design and buckle belt

Exotic Flower Gift Card, at Marks and 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

Philips HQ6990 Electric Shaver, at Marks and Spencers
Super lift & cut technologyThe dual blade system lifts hairs to cut comfortably below skin level Pop-up trimmer:Full width, pop-up trimmer is perfect for grooming sideburns and moustache Reflex action system: Automatically adjusts to every curve of your face and neck This ergonomically designed grip enables easy handling for a comfortable shave Corrosion-free heads Hair-collecting chamber Easy grip for total control

Photographic Puppies Multipack of Mini Cards, at Marks and Spencers
Cover text: blank Inside message: blank for your own message 8 cards x 4 designs Approx size: 95 x 80mm

Perfect Collezione Pure New Wool Single Breasted 2 Button Twill Jacket, at Marks and Spencer
A well cut wool jacket will last you a lifetime. This smart collezione version is made from pure new wool and has a sophisticated Italian look

Marks & Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your House Insurance or Car Insurance, but M&S do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M&S Financial Services website. With a simple, no-hassle service, you can compare features between a number of M&S Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Financial Services loans, credit cards or House Insurance - besides a number of other insurance products, M&S Financial Services can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Financial Services insurance products (House Insurance, Car Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Marks and Spenser insurance products in document format too.