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

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 Household 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 Household 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.

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 Marks and Spenser are so useful. Marks & Spencer Money financial products are, of course, designed to make Mark & 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, 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 Marks & Spencer Money 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 Marks & Spencer Money Household Insurance than you will anywhere else, and you may even pay less with M&S.

BT Studio 3500 Cordless Phone with Answering Machine, at Marks and Spencer
50 name and number phonebook - assign different melodies to phone numbers Caller display stores your last 40 numbers and will display their name and number each time they call 10 last number redial Secrecy facility - allows you to talk to someone else in the room without the caller hearing Earpiece, base station and handset ringer volume control Choice of 5 handset and 5 base ringer melodies Display language options GAP compatible - register a maximum of 5 handsets Talktime up to 10 hours, 30 minutes/standby time up to 160 hours Range of up to 300 metres outdoors/50 metres indoors Low battery and out of range warnings Switchboard compatible Answer machine with upto 13 minutes digital recording time Pre-recorded outgoing messages - Answer and Record, and Answer Only Private playback via the handset Call screening/call intercept Memo facility Answer machine remote access Includes: 2 rechargeable batteries, mains power adaptor, telephone line cord for base station 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

Classic Collection 3/4 Sleeve Dobby Stripe Blouse, at Marks and Spencers
Smart and stylish, this dobby stripe blouse will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

3 Piece Mr Noisy Outfit, at Marks and Spencers
Fans of Mr Men will love this 3 piece outfit featuring Mr Noisy. Fun, practical and great value

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

Sweet Bergamot Scented Spheres, at Marks & Spenser
Sweet scented assortment, Manufacturer: Marks & Spencer

Underwired Piped Bikini Top, at Marks and Spencers
Stunningly stylish, this flattering bikini top is underwired for a flattering, supported shape. The ultimate in poolside glamour

La Basca Uvas Tintas 2008 - Case of 12, at Marks and Spenser
Style: Full bodied Grape variety: Tempranillo Country of origin: Spain Closure: Synthetic closure Bottle: 12 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Blue Harbour Luxury Pure Cotton Tonal Stripe Shirt, at Marks and Spencer
Stylishly smart casual, this comfortable shirt looks great dressed up or down

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

Classic Plain Long Sleeve Pyjamas, at Marks and Spencer
Crisp and comfortable, these cotton blend pyjamas are outstanding value

Planted Orchid, at Marks and Spencers
Simply stunning, this white, double-stemmed phalaenopsis orchid is planted and dressed with brushed twigs in a chic, silver ceramic pot Available for delivery from 1st April to 30th September 2009

Younger Boys' Permair™ Rip Tape School Shoes, at Marks & Spensers
Square toe Tramline details Riptape fastening strap Flat sole Scuff resistant Easy clean Permair™ micro porous coating makes the shoes scuff- and water-resistant and easy to clean, while allowing feet to breathe

Enamel Garlic Pot, at Marks & Spencers
Detachable lid with handle 'Garlic' motif Dimensions: H13 x Diam 10cm, Manufacturer: Marks & Spencer

Perfect Single Breasted Stitch Detail Jacket, at M&S
This lightweight jacket, in autumn's key shade of red, is versatile enough to dress up or down

Per Una Leather Beaded Sandals, at M+S
Open toe Gladiator design Beaded feature Buckle fastening Flat sole

Glass Table Lamp & Plum Shade, at Mark's & Spencer
Optical quality glass Organza ribbon shade 225 x 225 x 560cm, Manufacturer: Marks & Spencer

Fleece Dressing Gown, at Marks&Spencer
Wonderfully warm and cosy, the fleecy fabric of this classic dressing gown creates the perfect solution for indulging in soft, relaxing comfort

Single Sprung-Edge Non-storage Divan & F300 Memory Foam Mattress, at Marks and Spencer
Single Mattress (3ft): W90 x L190 cm Double Mattress (4ft 6in): W135 x L190 cm King Size Mattress (5ft): W150 x L200 cm Super King Size Mattress (6ft): W180 x L200 cm 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 Divan Height: 41cm Mattress depth: 25cm 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 Soft knitted cover adds extra comfort to the mattress and works with the memory foam for optimum support Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Shower & Body Cream Gift Set, at Marks and Spenser
Refresh, smoothen and soften 4 x 50ml e Pomegranate body polish: Aqua, Ethylhexyl Palmitate, Cetearyl Alcohol, Cyclomethicone, Glycerin, Glyceryl Stearate, Polysorbate 60, Phenoxyethanol, Cocos Nucifera, Butyrospermum Parkii, PEG-100 Stearate, Sodium Carbomer, Limonene, Methylparaben, Parfum, Disodium EDTA, Xanthan Gum, Alcohol Denat, Butylparaben, Ethylparaben, Propylparaben, Linalool, Citric Acid, Punica Granatum(Pomegranate Extract), Isobutylparaben, PEG-40 Hydrogenated Castor Oil, Trideceth-9, Sodium Benzoate, Tocopherol, Lactic Acid, Potassium Sorbate, CI 17200, CI 19140 Lemon shower cream: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, Polysorbate 20, PEG-18 Glyceryl Oleate/Cocoate, Sodium Chloride, Laureth-4, Parfum, Benzophenone-3, Limonene, Citral, Sodium Styrene/Acrylates Copolymer, Disodium EDTA, Linalool, Polyquaternium-39, Benzyl Alcohol, Triethylene Glycol, Citronellol, Geraniol, Benzyl Benzoate, Hexyl Cinnamal, Propylene Glycol, Citric Acid, Alcohol Denat., Citrus Medica Limonum (Lemon Oil), Sodium Lauryl Sulfate, Magnesium Nitrate, Methylparaben Almond hand and body cream: Aqua, C12-15 Alkyl Benzoate, Cetearyl Alcohol, Cyclomethicone, Glycerin, Glyceryl Stearate, Polysorbate 60, Prunus Dulcis (Almond Oil), Phenoxyethanol, PEG-100 Stearate, Sodium Carbomer, Parfum, Methylparaben, Disodium EDTA, Xanthan Gum, Hexyl Cinnamal, Butylparaben, Ethylparaben, Benzyl Benzoate, Linalool, Butylphenyl Methylpropional, Alcohol Denat., Limonene, Propylparaben, Isobutylparaben, Caramel, CI 15985, CI 19140 Shea shower cream: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, Polysorbate 20, PEG-18 Glyceryl Oleate/Cocoate, Sodium Chloride, Laureth-4, Parfum, Sodium Styrene/Acrylates Copolymer, Benzophenone-3, Disodium EDTA, Sodium Sheabutteramphoacetate, Polyquaternium-39, Triethylene Glycol, Benzyl Alcohol, Propylene Glycol, Amyl Cinnamal, Butylphenyl Methylpropional, Hexyl Cinnamal, Benzyl Salicylate, Glycerin Citric Acid, Alcohol Denat., Caramel, Sodium Lauryl Sulfate, Magnesium Nitrate, Methylparaben, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, Propylparaben, CI 15985

Watercolour Floral 80th Birthday Card, at Marks and Spenser
Cover text: Happy 80th Birthday Inside message: Congratulations on your special day Approx size: 150 x 150mm

Classic Text 50th Birthday Card, at Marks and Spencer
Approx. size: 230 x 114mm Cover text: You're 50 today! Inside message: Happy birthday

Autograph Horseshoe Buckle Belt, at Marks and Spencer
Combining smart practicality with elegant style results in a pure leather belt that's simply flawless in design

Pure Cotton Short Sleeve 'Im The Little Sister' Top, at Marks & Spenser
Cute and practical, this top is outstanding value. The soft cotton fabric will keep her happy and comfy

Handcrafted Country Bunch Grandma Mother's Day Card, at Marks and Spencers
Cover text: To a Very Special Grandma on Mother's Day Inside message: Blank for your own message Approx size: Unfolded: 150 x 150mm

Autograph 2 Piece Pure Cotton Hooded Outfit, at Mark & Spencers
Fun and practical, this cute 2 piece outfit features contrast trim. It's made from soft cotton to keep him comfy. With luxury in every detail, this is part of our exclusive Autograph collection

Pure Cotton Contrast Stitch Jeans, at Marks and Spencer
Fun and fashionable, these easycare pure cotton jeans are outstanding value

Autograph Pure Cotton Stripe Shorts, at M&S
Create your own look by mixing and matching these pure pima cotton pyjama bottoms with our tops and t-shirts. Great for relaxing in style whether you're heading for bed or just chilling out at home

Cocktail 30th Birthday Card, at M & S
Cover text: Thirty Inside message: Happy Birthday Approx size: 175 mm x 126 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Younger Boys' Pure Cotton Dinosaur Pyjamas, at Marks & Spencers
Fun and fashionable, these comfy pure cotton pyjamas feature cute dinosaur motif

3 Pairs of Fine Merino Blend Socks, at Marks and Spencer
Wool blend yarn makes these socks soft, breathable and absorbent to keep feet warm, dry and comfy

Marks and Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Household Insurance or Car Insurance, but Marks&Spencer 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 Marks & Spencer Money website. With a simple, no-hassle service, you can compare features between a number of Marks & Spencer Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or Marks & Spencer Money loans, credit cards or Household Insurance - besides a number of other insurance products, Marks & Spencer Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of Marks & Spencer Money insurance products (Household 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&Spencer insurance products in document format too.