There are lots of ways to save money using M&S Financial Services. Not least of these is Marks & 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 M+S, 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 Spencer 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 Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

When you're shopping at Marks & Spencers online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M&S Financial Services. Offering everything from savings accounts and credit cards, to Home Insurance and Car Insurance, there's a lot more going on at Mark & Spencers than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Financial Services. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M&S Financial Services, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Financial Services website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."

2 Pairs of Fishnet Tights, at Marks & Spensers
Add some stylish flair to that chic skirt or dress and shape, lift and define your figure with this great value 2 pack of fishnet tights. A reinforced toe, comfortable sole and added stretch provide long lasting comfort and durability.

Design-a-Dinosaur T-Shirt, at Marks and Spencer
For ages 3 to 6 years T-shirt Glow in the dark dinosaur print Assorted colour paints Brush Stencil, Manufacturer: Marks & Spencer

3 Cotton Rich Short Sleeve Vests, at Marks and Spencer
A great value wardrobe essential, these durable cotton rich vests will keep him comfy thank to an easy to wear pure cotton weave

Single Sprung-Edge Divan with 1 Small + 1 Large Drawer & M400 Mattress - Firm, at Marks & Spencer
Single Mattress (3ft): W90 x L190cm Single Divan (3ft): W90 x L190cm Mattress depth: 24cm Divan height: 41cm Large Drawer: H14 x W78 x D52cm, Small Drawer: H14 x W40 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table Mattress filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give the mattress edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sonoma 5-Drawer Chest, at Marks and Spencer
H88 x W90 x D50cm 5 drawers Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats 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

Bright Kittens Multipack of Mini Cards, at Marks and Spencer
Cover text: Blank Inside message: blank for your own message Pack contains: 8 cards, 4 designs Approx size: 95 x 80mm

Cotton Rich Straight Leg Sweat Pants, at Marks and Spencer
Whether you're active or relaxing, do it in style and comfort in these cotton rich sweat pants

Leather Weave Belt, at Marks & Spensers
Add a stylish finishing touch with this colourful weave belt

Ben 10 Wrap Pack, at Marks and Spencer
2 sheets, 2 tags Each sheet: 495 x 695mm Tags: 80 x 55mm (folded) TM & 2008 Cartoon Network. A Time Warner Company. All Rights Reserved

Bold Maxi Sunglasses, at Marks and Spencer
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

PlayStation®2 Jak X Game, at Marks and Spencer
Race and battle over 20 stunning tracks and eight huge open terrain arenas Cause chaos in over a dozen unique, fully customisable and destructible combat vehicles Features online play for a host of combat racers 2007 Sony Computer Entertainment Europe. You must be 12 years of age or over to purchase this product 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, ESRB Rating: Kids to Adults

Panasonic 42" TX-P42X10 HD Plasma TV, at Marks and Spenser
HD Ready: Displays images HD when connected to an HD compatible device Display: 42 inch plasma display, 786,432 (1,024 x 768) pixels Contrast Ratio (in dark surroundings): Dynamic: 2,000,000:1; Native: 20,000:1 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: W102.9 x H66.1 x D10.5cm (without stand) W102.9 x H70.4 x D33.4cm (with stand) Weight: 26kg (without stand) 28kg (with stand) V-Audio: Unique sound technology that delivers crystal-clear sound with superior bass performance Connectors: 3 x HDMI, 2 Scart, PC Input, S-Video Input, Headphone Jack, Composite Video Input VIERA Superior Picture Quality: The VIERA system provides richly expressed images with enhanced contrast 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 24p Playback: High speed playback of images to recreate the full cinematic experience VIERA Link: Enables you to control all your AV systems with only one remote Use wall mountT042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Vantage Point DVD, at Marks and Spencers
Rating Suitable for 12 years and over,

Pure Cotton Ruffle Pintuck Top, at Marks and Spenser
This short sleeved top will make a useful addition to your wardrobe. It features smart pintuck details for a stylish casual look

Small Fishbowl Vase, at Marks and Spencer
Incredibly versatile, this elegant vase is ideally suited for smaller floral arrangements or simply displayed on its own for an understated effect

Standalone Rectangular Mirror, at Marks n Spencer
Freestanding Stainless Steel Bevelled edges, Manufacturer: Marks & Spencer

Body Solutions Smoothing Sleeveless Plain Full Slip, at Marks & Spencer
A practical fashion essential you can't do without! It's a must-have for enhancing the look of your dresses, particularly those that look see-through under light

Pure Cotton Stripe Pyjama Bottoms, at Marks & Spencers
Pretty and feminine, these stripe pyjama bottoms are made from soft breathable cotton for a comfortable night's sleep

Detroit Bookcase, at Marks & Spencer
H180 x W90 x D40cm Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Drawer boxes made from solid European hardwood. Draw fronts made from oak veneer Solid oak legs Shelves made with oak veneer 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 manufacturer's instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph 3 Piece Floral Embroidered Dress Outfit, at Marks and Spencers
Practical and pretty, this cute long sleeve top, dress and tights 3-piece outfit is made from soft fabric to keep her feeling comfy and happy. With luxury in every detail, this is part of our exclusive Autograph collection

Garmin Sat Nav 4.3" Travel Pack, at M+S
Free 2 year guarantee This pack contains everything you need to get started with your new nvi. The carrying case protects the nuvi from scratches, and the USB cable lets you connect to your computer to download vehicle icons, addresses, system updates, maps and more. And with the AC Adapter, you'll be able to charge your nvi when youre out of your car and near an outlet

Earth Spa Purifying Bath Tonic, at Marks and Spencer
With mineral enriched sea algae to cleanse and purify and aloe vera to nourish and moisturise Scented 250ml

Lace Trim Brazilian Knickers, at Marks and Spenser
Brazilian briefs are the newest trend in knicker shapes with their flirty cutaway styling at the front and back. These flattering lace trim briefs are designed to make the most of your figure

Orion Collection - 5 Arm Ceiling Light, at Marks & Spensers
5 arm Spotlight style shades H 31 x Diam 37cm Bulb: 40W Golf Ball This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Bingley Bear Flower Sister Card, at Mark's & Spencer
Cover text: To a lovely Sister Inside message: Have a wonderful birthday Approx size: 175 x 125mm

Short Sleeve Abstract Print Pintuck Dress, at Marks & Spencer
Abstract prints are a key trend this season, making this v-neck dress a great way to get the latest look

5 Pairs of Newborn Cotton Rich Assorted Design Socks, at M&S
Brighten up his underwear drawer with these fashionable assorted design made from soft breathable cotton rich fabric

Tramline Shoes, at Marks & Spencers
Square flip toe Eyelets Lace up Stitch detail

Platinum Plated Diamanté Detail Baguette Ring, at Marks and Spencer
Add instant sparkling style with this gorgeous platinum plated ring, set with dazzling diamant.

Stripe Side Plate, at Marks and Spencer
Hand painted Stripe edge Diameter 20cm Dishwasher and microwave safe, Manufacturer: Marks & Spencer

Besides M&S Car Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Home 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 Financial Services 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 Spencer purchases are also protected while you take them home.

Also, on both M&S Financial Services Premier Home Insurance and Standard Home 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.