There are lots of ways to save money using M&S Financial Services. Not least of these is Marks and Spencers Standard Motor Insurance. With M&S Financial Services 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 M&S Financial Services, 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 M&S Money Direct, you get more, and you pay less.

Besides M&S Motor 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 Mark & Spencers 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.

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 Mark & Spensers 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 Marks and Spencers, 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 Motor 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.

Turned Wood Table Lamp, at Marks&Spencer
Pleated shade Round base Turned wood design Bulb: 60W SES or 11W CFL H55 x Diam 23cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

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

Airflex™ Comfort Apron Lace-Up Shoes, at Marks and Spenser
Round toe Lace up Thick grip sole Contrast stitch detail Unique Airflex™ airflow system for unbeatable comfort

Portfolio Side Ruched Patent Court Shoes, at Marks & Spenser
Court style Almond toe Patent effect Side ruched feature Mid heel Slip-on Heel height: 52mm Comes in sizes 3-8, including half sizes

Maternity Scoop Neck Tunic, at Marks & Spencer
Fashionable and modern, this scoop neck tunic is designed to flatter you and your bump. A drawstring waist gives a neat, comfortable fit with room for growth. Enjoy your pregnancy in style!

Formula Instant Fix Midnight Beauty Cream, at M+S
Visibly brighter complexion Skin is supple, refreshed and more radiant Skin is recuperated, energised and invigorated Suitable for all skin types Hypoallergenic In 4 weeks, 87% of women who tested the cream reported their skin felt refreshed, revitalised and invigorated A combination of lavender active, to release endorphins, detoxifying guarana, nourishing rosehip and liquorice, helps to even skin tone 30ml

Embroidered Hippo Knit Shawl, at Marks & Spencers
Soft and comforting, this snuggly shawl features a cute embroidered hippo design and scalloped edge. Perfect for bedtime, or as a light layer during the day

Cotton Rich Large Spot First Bra & Knickers Set, at Marks & Spencer
This pretty spot print bra is designed for a supportive and comfortable fit. The non-wired design is the best choice for first bras

Classic Collection Straight Leg Trousers, at Marks and Spencer
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

5 Older Girls' Pure Cotton Scallop Trim Camisole Vests, at Marks and Spencer
Stock up on stylish essentials with this 5 pack of cotton camisole vests featuring scallop trim details

2 Per Una Essentials Clover Embroidered High Leg Knickers, at Mark & Spensers
Fresh and feminine, this pack of 2 stylish kickers feature a delicate front panel in soft stretch lace. The high leg style gives a flattering long-legged look. Pretty everyday fashion

Portfolio Cap Sleeve Crinkled Dress with Camisole, at Marks & Spencer
Get this season's look with this gorgeous abstract print cap sleeve dress. It's fashionably styled with a crinkle finish

Pure Cotton 4 Pocket Poplin Jacket, at Marks and Spencer
Practical and fashionable, this mid length jacket is made from easycare cotton. Its contemporary styling will keep you looking sleek and chic season after season

Blue Harbour Luxury Herringbone Jeans, at Marks & Spensers
These luxury jeans have a crease resist and anti-fade finish so even the darker colours stay true for longer. With added comfort stretch you will stay smart and comfortable all day long

Woven Pure Silk Diagonal Stripe Tie, at Marks & Spenser
Add a luxurious finishing touch with this smart multi stripe tie in pure silk

Fruity Beauty Citrus Zest Lip Balm, at Marks & Spenser
Zingy lime balm Soothing effect 10g Ingredients: Polybutene, Ethylhexyl Palmitate, Cera Alba, Caprylic/Capric Triglyceride, Ceresin, Cera Microcristallina, Copernicia Cerifera, Silica, Mica, Ascorbyl Palmitate, Methylparaben Propylparaben, Limonene, Aroma, Benzyl Salicylate, Linalool, Benzyl Benzoate, Citral, Citronellol, CI 19140, CI 42090, CI 77891

Autograph Essentials Pure Cotton Pintuck Shirt, at Marks&Spencer
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a contemporary stripe print

15 Denier Ladder Resist Sheer Stockings, at Marks & Spensers
These stockings are specially designed with stretch in every stitch to stop ladders from forming. They're made using a super effective new fabric technology exclusive to M&S

Older Girls' Heart Jelly Pumps, at Marks and Spencers
Round toe Slip on Cut out heart detail Jelly design Flat sole

Lavender Scented Spheres, at Marks n Spencer
Lavender fragrance Assorted decorative fragranced spheres, Manufacturer: Marks & Spencer

V-Neck Block Stripe Jumper, at M+S
Soft and comfy, this warm knitted block stripe jumper is outstanding value. A fashionable easycare style

Cap Sleeve Gathered Neckline Top, at Marks and Spenser
Chic and modern, this cap sleeve top is made from softly draping stretch viscose for a fluid look. The gathered neckline adds a fashionable finishing touch

Mini Limited Pure Cotton Pretty Girl Jersey Top, at Marks and Spencer
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering

Single Breasted One Button Pinstripe Jacket, at Marks and Spencer
Chic and stylish, this pinstripe jacket is tailored to fit and flatter. A great choice for work or smart occasions and it's machine washable for added convenience

Panasonic DMP BD80 Blu-ray Disc™ Player, at Marks & Spencer
Blu-ray Disc™ player PHL Reference Chroma Processor Plus: A high quality image-processing technology developed by Panasonic to precisely process each pixel of the Blu-ray Disc™ video signal in the vertical direction 4:4:4 signal technology: Processes each pixel of the Blu-ray Disc™ video signal in the horizontal direction, to complement vertical direction processing VIERA CAST function: Allows access to YouTube™, Picasa™, and other Internet sites from the special VIERA CAST screen Playback Media: BD-ROM, DVD-ROM, DVD-R, DVD-RW, AVCHD, Audio CD Audio: Dolby Digital Plus, Dolby Digital True-HD Connectivity: USB 2.0, HDMI, SD slot, Composite Video Outputs, Component Video Outputs, HDMI Outputs (Version 1.3), Optical Digital Audio Outputs, Analog Audio Outputs 2-channel Accessories: Remote control Dimensions: 43 x 5.5 x 24.9cm

Gold Embroidery Leather Look Slim Diary, at Marks n Spencer
Week to view Dimensions: 165 x 80mm

Padded Pinstripe Underwired Multiway Bra, at Marks & Spencer
This versatile bra can be worn 5 ways: conventionally, halterneck, cross back, strapless and one shoulder. Designed for a comfortable flattering fit, secure support and great flexibility

Formula Age Defence 4 in 1 Revitalising Cleansing Wipes, at Mark & Spencers
Contains 25 wipes Specially formulated for use in combination with the rest of the Age Defence range Skin appears revitalised and visibly brighter Formulated to cleanse, moisturise and refresh without irritating or drying your skin Suitable for all skin types Hypoallergenic

King of the Jungle Dad Birthday Card, at Mark's & Spencer
Cover text: Dad, you're my king of the jungle! Inside message: Have a great day! Approx size: 215 mm x 150 mm

Autograph Styled Flock Stripe Thong, at Marks & Spencers
Sophisticated and feminine, this modern thong features a stripe design and skirted sides. The modern low rise, high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

When you're shopping at Marks & Spencer 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 Motor Insurance, there's a lot more going on at Marks & Spensers 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."