There are lots of ways to save money using Marks & Spencers Money. Not least of these is Marks and Spenser Standard Motor Insurance. With Marks & Spencers Money 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 Marks & Spencers Money, 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 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 Motor Insurance from Marks & Spencer 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 & Spencers Money financial products are, of course, designed to make Marks & Spencers 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 & Contents Insurance policies. Usually, UK Buildings & Contents 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 & Spencers Money Buildings & Contents 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 & Spencers Money Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Marks & Spencers Money offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor 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 Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately Marks & Spencers Money Motor Insurance is not like that at all, and when you compare M&S Motor 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 & Spencers 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsbury's, 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 Motor 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 & Spencers Money UK and European Breakdown Cover, since it covers you as a passenger too.

Pure Cotton Quick Iron Check Shirt, at Marks & Spenser
Stylish and innovative, this pure cotton easycare shirt is quick and easy to iron for a smart crisp look

Fire Vehicles Set, at Marks and Spenser
Suitable for ages 3-6 years 5 fire-fighting vehicles Includes a fire truck, fire inspector's car, van, pick-up and a helicopter Imaginative play This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Autograph Large Stone Choker Necklace, at Mark's & Spencer
Choker style Tie fastening Large stone design Necklace length 66cm

Limited Collection Slouch Shoreditch Satchell Bag, at Marks and Spencers
Fashionable and fabulous, this slouch style satchell is designed in one of this season's key shapes. It's strong and practical as well as a trend-conscious accessory. Get the latest look!

Reversible Floral Print Hat, at Marks & Spenser
Keep your cool in this reversible sun hat, a summer and holiday essential

Sequin Dots Bed Set, at Marks & Spencer
Embroidered sequin dots design Single set includes duvet cover (3ft) and 1 pillowcase Double set includes duvet cover (4ft 6in) and 2 pillowcases King size set includes duvet cover (5ft) and 2 pillowcases, Manufacturer: Marks & Spencer

Sonoma 2 Door Sideboard and Glass Top Unit Set, at Marks and Spencer
2 door glazed top unit: H110 x W122.5 x D33cm 2 drawer sideboard :H88 x W122 x D50cm 2 door sideboard with 6 shelves Shelves made from safety-tested toughened glass Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Drawer boxes and fronts made from solid Oak. Drawer bottoms made from White Oak veneer Handles made from solid wood Side and back made from White Oak veneer 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 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

Stainless Steel Egg Separator, at M&S
Stainless steel design Hanging hole L14cm x W9cm x H2.5cm, Manufacturer: Marks & Spencer

Pure Cotton Velvet Table Runner, at Mark's & Spencer
Drop chain design Dimensions: L230 x W33cm, Manufacturer: Marks & Spencer

Per Una Pure Cotton Crinkle Blouse, at Marks and Spencer
A stylish cap sleeve blouse in pure soft cotton. Lace details give it the Per Una touch

Lace Detail High Rise Shorts, at Marks & Spencer
These stylish lace detail shorts are shapely and modern. Added stretch gives a comfortable, figure-flattering fit

Enclos Des Pins Chardonnay 2008 - Case of 12, at Marks & Spencer
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Screw cap Suitable for vegetarians Bottle: 12 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

Older Girls' Star Button Ballet Pumps Slippers, at Marks & Spensers
Round toe 2 star button feature Ballet pump style Slip on Flat sole

Pink Glitter Stripe Medium Gift Bag, at Marks n Spencer
1 gift bag Approx size: H260 x W200 x D90mm

Panasonic 50" TX-P50S10 Full HD Plasma TV, at Marks & Spenser
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 50 inch plasma screen, 2,073,600 (1,920 x 1,080) pixels Contrast ratio (in dark surroundings): Native 30,000:1, Dynamic 2,000,000:1 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: (Including stand) W121.8 x H81.4 x D40.1cm, (without stand) D121.8 x H76.9 x D10.5cm Weight: (with stand) 34kg, (without stand) 32kg V-Audio Surround: V-Audio delivers crystal-clear sound with superior bass performance Connectors: 3 x HDMI, 2 Scart, PC Input, S-Video, Component Video Input, Headphone Jack, VIERA Superior Picture Quality: The VIERA system provides richly expressed images with enhanced contrast and deeper natural colours, thanks to the wider x.v.Colour palette Digital Cinema Colour: Superb colour reproduction with 5,1200 steps of gradation Intelligent Frame Creation With 24p Playback: The Intelligent Frame Creation achieves high moving picture resolution even in fast-motion scenes. 24p Playback creates high speed playback of images to recreate the full cinematic experience SD Card Slot: View your treasured photos on the big screen by simply removing your camera's memory card and sliding it into the SD card slot VIERA Link: Enables you to control all your AV systems with only one remote Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Cut Out Handbag Birthday Card, at Marks & Spensers
Cover text: Birthday wishes Inside message: Blank for your own message Approx size: 125 x 230mm

Bootleg Jersey Trousers, at MarksandSpencer
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Holiday Tech Sandals, at Mark & Spencers
Round toe Lace-up fastening Grip sole

Classic Collection Floral Embroidered Ballet Slippers, at Marks & Spenser
Relax in style in these comfortable, hardwearing ballet slippers featuring floral embroidered design. Machine washable for added convenience

Older Boys' Union Jack Swimming Shorts, at M&S
These Union Jack shorts are sure to make a splash. The contrasting drawstring waist helps give a secure fit. Fashionable, practical and easycare

Feather Spray Spikey Cap Headdress, at Marks & Spencers
Sophisticated and glamorous, this bow and feather headdress is sure to turn heads!

Autograph Exclusive Beaded Bandeau Bikini Top, at Mark's & Spencer
Luxurious and exclusive, this glamorous bikini top is beautifully designed in a flattering, fashionable silhouette for the ultimate in style. It's made from soft, comfortable fabric and finished with careful attention to detail

Underwired Pin Spot Lace Minimiser Bra, at Marks & Spencers
Soft and comfortable, this minimiser bra gently shapes your bust to make it look smaller. A flattering, supportive style

St Chinian Syrah des Garrigues 2005 - Case of 6, at Marks&Spencer
Style: Full bodied Grape variety: Syrah Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Autograph Addison Coffee & Side Table Set, at Marks & Spensers
Coffee table: H35 x L120 x W65cm Side table: H45 x L55 x W55cm Made from American Black Walnut solids and veneers, with Beech veneer on unseen faces Finished with 2 coats of durable, clear lacquer of mid sheen Side table features 1 drawer Drawer pulls are solid wood due to their shape 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

Campo Aldea Graciano 2004 - Case of 6, at Marks and Spenser
Style: Medium bodied Grape variety: Graciano Country of origin: Spain Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Autograph Essentials Chevron Print Top, at Mark's & Spencer
This sleeveless chevron print top will make a useful addition to your wardrobe. It features pretty gathered front design for a stylish casual look

5 Older Girls' Pure Cotton Snoopy Shorts, at Marks & Spensers
Fun and fabulous, this 5 pack of cotton shorts feature assorted Snoopy designs

Per Una Pure Cotton Floral Print Blouse, at Mark's & Spencer
A feminine floral print blouse in pure soft cotton featuring frill hem and sleeve

Dinner Candle Holder, at Marks & Spensers
Fluted opening Two tone glass design Long stem Wide base Hand decorated H33 x Diam: 8.8cm Weight: 0.45kg, Manufacturer: Marks & Spencer

Besides Marks & Spenser Motor Insurance, Marks & Spencers Money Credit Cards and other financial products, Marks & Spencers Money Buildings & Contents 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 Marks & Spencers Money 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 Marks and Spencers purchases are also protected while you take them home.

Also, on both Marks & Spencers Money Premier Buildings & Contents Insurance and Standard Buildings & Contents 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.