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

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

M&S Finance 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 M&S Finance 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 Spencers 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, Sainsbury's, or Tesco:

• 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 M&S Finance UK and European Breakdown Cover, since it covers you as a passenger too.

Besides Marks & Spencer Car Insurance, M&S Finance Credit Cards and other financial products, M&S Finance Buildings 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 Finance 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 Finance Premier Buildings Insurance and Standard Buildings 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.

Classic Collection Floral Print Skirt, at M+S
Elegant, stylish and comfortable, this maxi length pull-on skirt is finished with floral print design. The ideal match for blouses and fine knits in coordinating colours

5 Younger Boys' Football Socks, at Marks and Spencer
Fun and fashionable, these comfy cotton rich socks features a football design

Coupe Cereal Bowl, at Marks & Spencers
Suitable for everyday use Versatile fine dining range Makes an ideal gift Pure white porcelain Diam 18cm, Manufacturer: Marks & Spencer

Golf Range Finder, at Marks & Spencer
A useful tool in practice sessions for calculating the distance to the flag from your current position. You can use this information to help choose the club you need to use. The range finder measurers in yards and metres and has a field of 9.30 wide angle

Portfolio Basket Weave Dress with Belt, at Marks and Spencers
Pretty and feminine, this dress features a belt at the waist to define your figure. A fabulous, flattering look

Cotton Rich Scallop Trim Low Rise Shorts, at Marks & Spencer
These cotton rich shorts are shapely and modern. They have been designed with added stretch for a snug, comfortable and figure-flattering fit

Curve Collection Floor Lamp, at Marks & Spensers
Bubble design shade Long curved arm Round Base, Manufacturer: Marks & Spencer

Short Sleeve Mimosa Leaf Print Top, at M&S
Smart and stylish, this scoop neck top features a stunning mimosa leaf print. A vibrant new look, perfect for this season

24 Mini Hot Pies, at Marks and Spencer
Contains 24 pieces Serves 6 Ready to cook Suitable for freezing 700g total weight As featured on page 12 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Edmonton Large 2-Seater Occasional Sofa Bed, at Marks and Spencers
H92 x W183 x D98cm Seat: H48cm (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 cushio 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 Mattress: L180 x W112 x D6cm Foam mattress rests on polypropylene base Mattress recommended for occasional use Sofa Bed will support a maximum combined weight of 160kg 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Stripe Bust Swimsuit, at Marks and Spencer
Smooth and sleek, this fashionable swimsuit features a striking stripe bust design. Make a splash!

Hubert Brochard Cuvée 2007, Sancerre AC (Red) - Case of 6, at Marks and Spencer
Style: Light to medium bodied Grape variety: Pinot Noir 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

5 Older Boys' Pure Cotton Plain Boxers, at Marks and Spencer
Comfortable, practical and fashionable, this 5 pack of boxers are made from soft breathable cotton

50/50 Bed Linen - Fitted Sheet, at Marks & Spenser
Single: L190 x W91cm, depth 25cm Double: L190 x W137cm, depth 25cm King Size (5ft): L200 x W152cm, depth 25cm Super King Size (6ft): L200 x W183cm, depth 25cm Plain dye bed linen Plain fabric (no design) Easy to iron Care instructions: Machine washable, Tumble dry Composition:50% cotton, 50% polyester, Manufacturer: Marks & Spencer

Classic Chaise Petite - Left-Hand, at MarksandSpencer
H86 x W151 x D73cm Seat H45cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Back cushion is fixed foam Left -hand chaise - the arm is on the left side when viewed from the end of the chaise, thus the right side when you're seated in the chaise 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 Feet are castors 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Anthony the Bear Thank You Teacher Card, at Marks & Spenser
Cover text: To a Special Teacher! Inside message: Thank you! Approx size: 178 x 126mm

Maternity Skirt & Leggings Set, at Marks and Spencer
Smart and stylish, this skirt and leggings set is designed to flatter you and your bump. Added stretch and a clever cut give a neat, comfortable fit with room for growth. Enjoy your pregnancy in style!

Limited Collection Sparkle Skinny Belt, at Marks & Spencers
Show off curves and cinch in your waist with this skinny belt with bead detailing for an on-trend look for day or night

Limited Collection Faux Snake Skin Cropped Leggings, at Marks & Spencer
Slim and stylish, these leggings give a sleek modern look. This pair sits below the waist and is cut to fit and flatter.The cropped length adds a fashionable update. Get the latest look!

Collezione 2 Button Suedette Jacket, at Marks n Spencer
A suedette finish adds a luxuriously soft sheen to this smart casual jacket. Inspired by the natural understated elegance of Italian style, the single breasted design offers a slim and contemporary silhouette

Natural Beauty Body Scrub, at Marks & Spencer
200ml Naturally fragranced

Garmin® nüvi® 5000 Satellite Navigation System, at M+S
Maps: nvi 5000 comes with preloaded City Navigator NT street maps and millions of points of interest (POIs) such as hotels, restaurants, fuel stations, ATMs and more Directions: Touch the colour screen to enter a destination, and nvi takes you there with 2-D or 3-D maps and turn-by-turn voice directions. It even announces the name of exits and streets so you never have to take your eyes off the road, and its 3-D digital elevation map view gives you fair warning of grade changes Display: 5.2" diag (13.2 cm), 4.5"W x 2.7"H (11.4 x 6.9 cm), WVGA color TFT with auto dimming backlight Display type: WVGA color TFT with auto dimming backlight Go Beyond Navigation: Navigation is just the beginning. nvi 5000 includes many must have entertainment and travel tools including MP3 player, audio book player (subscription to Audible.com required), JPEG picture viewer, Garmin Games and more. With nvi 5000's wireless FM transmitter you can hear audio, including voice prompts, MP3s and audio books, through your vehicle's stereo. It's also compatible with FM traffic alerts or MSN Direct content (receiver and subscription required) It comes with Garmin Lock™ (an anti-theft feature) and is compatible with our free Garmin Garage where you can download custom vehicles that show your location on the map Battery life: External power only (no battery) Bluetooth Wireless Technology: Connect to your phone for hands-free calling Dimensions: W14.3 x H9.4 x D2cm Weight: 263.3g 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

Bamboo Duck Board, at Marks & Spenser
Slated design Approx size: H3 x W36.3 x L56.5cm, Manufacturer: Marks & Spencer

Per Una Front Tie Drape Cardigan & Stripe Vest, at Marks and Spencer
A fashionable longline drape cardigan featuring a stripe vest

Stainless Steel Honey Spoon, at Marks and Spencers
Stainless steel Loop in the handle L14.5cm x W3.5cm, Manufacturer: Marks & Spencer

Faux Pearl Gatsby Stretch Bracelet, at Marks and Spencers
Large beads Elasticated Faux pearl design

Ruby Pasta Bowl - Red, at Marks & Spencer
Plain centre Stripe edge Shallow dish Diam 24cm, Manufacturer: Marks & Spencer

Meccano Road Monsters Mini Buggy, at Mark & Spensers
Suitable for ages 3+ Imaginative play 2 fun models to build and play with Over 50 parts Tools included This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

3 Pairs of Assorted Bird Design Socks, at Marks and Spencers
Celebrate the weekend with these fun novelty socks, great as a gift

Pure Cotton 3/4 Length Dolly Cardigan, at Marks & Spencer
This casual front open pure cotton cardigan makes the perfect light extra layer. It features button detail for an extra stylish touch

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 & Spencers are so useful. M&S Finance financial products are, of course, designed to make M & S 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 M&S Finance 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 M&S Finance Buildings Insurance than you will anywhere else, and you may even pay less with M&S.