There are lots of ways to save money using M&S Finance. Not least of these is Marks & Spenser 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 Marks&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 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 Mark & Spensers are so useful. M&S Finance 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, 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 M&S Finance 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 M&S Finance Household Insurance than you will anywhere else, and you may even pay less with M&S.

Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the Marks&Spencer online store. Here are just some of the financial products which can be purchased via the M&S Finance website:

• M&S Insurance: M&S Car Insurance, M&S Household Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks and Spencers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Finance in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Finance website.

Leather Tassel Shoulder Bag, at Marks & Spencer
Stylish and practical, this handbag is made from luxurious hardwearing leather. A useful and fashionable accessory

16-Piece Brushed Aurora Cutlery Set, at Marks & Spencers
16-piece set Includes 4 forks, 4 knives, 4 spoons and 4 teaspoons Brushed stainless steel finish 18/10 stainless steel - the highest grade of stainless steel Criminal Justice Act 1988 (as amended): please note we are not permitted to sell a knife or blade to any person under the age of 18 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

16-Piece Brushed Manjaro Cutlery Set, at M&S
16-piece set Includes 4 forks, 4 knives, 4 dessert spoons and 4 teaspoons Brushed stainless steel finish 18/10 stainless steel - the highest grade of stainless steel Criminal Justice Act 1988 (as amended): please note we are not permitted to sell a knife or blade to any person under the age of 18 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Corbières 2007 - Case of 12, at Marks & Spenser
Style: Full bodied Grape variety: Mixed Red Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 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

Champagne Flutes Engagement Card, at Marks and Spenser
Cover text: On Your Engagement Inside message: With Love Approx. size: 178 mm x 126 mm FSC: This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Maxim Side Plate, at M&S
Suitable for everyday use Versatile fine dining range Pure white porcelain Diameter 20.5cm, Manufacturer: Marks & Spencer

2 Pairs of 10 Denier Shaping Matt Tights, at M+S
Complete with added stretch for shape retention and essential comfort. These simply outstanding tights are a terrific option for ensuring your legs look and feel their everyday best

Beaded Butterfly Necklace & Bracelet Set, at Marks and Spencers
2 part set Beaded butterfly design Adjustable length necklace with clasp fastening Stretch bracelet Necklace length 40cm, extendable by 8cm

Pure Cotton Stripe Button Vest, at Marks and Spencer
A stripe design adds a fashionable touch to this soft cotton top

Autograph Leather Twin Strap Mid Heel Shoes, at M & S
Almond toe Twin buckle strap Mid heel Lined Insolia technology Heel height: 5cm

Girlie Dress Up A5 Notebook, at Marks & Spencer
1 x A5 notebook with perforated lined pages Approx size: 21cm x 15cm

Bamboo Soap Dish, at Marks & Spencers
Rectangle box shape Drainage design Dimensions: H3 x W8.5 x L16cm, Manufacturer: Marks & Spencer

Ontario Large Camoflage Holdall, at Marks & Spensers
There'll be no things that go bump in the night with this easy to transport trolley bag. Supported by sturdy wheels and a stand-alone feature, it is the ideal option for short trips or flying abroad

Villa Maria Seddon Vineyard Pinot Noir 2006, Marlborough - Case of 6, at M & S
Style: Dry, medium bodied Grape variety: Pinot Noir Country of origin: New Zealand Closure: Stelvin 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

Collezione Pure Silk Mixed Stripe Tie, at Marks & Spenser
Stylish and luxurious, this pure silk tie is part of Collezione, a sophisticated menswear collection inspired by Italian tailoring

Autograph Frill Trim Check Mac, at M+S
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Autograph Pure Cotton Paisley Print Scarf, at Mark & Spensers
This sophisticated paisley print scarf is the perfect accessory for this season's fashions

Autograph Stud Detail Umbrella, at Marks & Spensers
Brighten up rainy days with this stylish lightweight umbrella

Older Boys' Cotton Rich Transformers Vest & Trunks Set, at MarksandSpencer
A must for fans of Transformers, this cotton rich vest and trunks set features Bumblebee

Oval Sunburst Mirror, at Mark & Spencers
Oval shape Sunburst design Diam 67.5cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Mock Layer Top, at Marks and Spenser
It looks like a top and knitted tank top, but this striking contemporary mock layered design is just one piece. The stripe detail adds a special stylish touch

Baby Boy Tiny Type New Baby Card, at Marks n Spencer
Cover text: Congratulations! It's a Boy! New arrival Baby Boy Little Baby Congratulations Little Baby Boy It's a Boy! Congratulations! Little Baby It's a Boy! Congratulations! Baby Boy Little Baby New Arrival Congratulations! Little Baby Boy Little Baby Congratulations New Arrival Baby Boy Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 127mm

Stainless Steel Can Opener, at Marks n Spencer
Classic design Built-in bottle opener, Manufacturer: Marks & Spencer

Per Una Sketch Swirl Skirt, at Marks & Spencers
A fashionable mid length skirt featuring an abstract print and frill hem

North Coast Cotton Blend Funnel Neck Stitch Detail Jacket, at Marks n Spencer
A contemporary design and stitch detail makes this jacket a fashionable choice

Pure Silk Snake Print Lightweight Scarf, at Marks & Spencer
Add a luxurious finishing touch to your look with this elegant pure silk snake print scarf. The perfect accessory to this season's styles

Ceriso Styled Embroidered Non Padded DD-G Bra, at Marks n Spencer
Feminine and fashionable this modern bra features floral embroidery. It's underwired and structured for great support and uplift, and the plunge shape gives a fabulous enhanced cleavage. Designed for women who want the latest look

Plain Black Flexilite Umbrella, at Marks & Spencer
Lightweight and easy to carry, this slimline umbrella provides you with effective protection from those sudden downpours

Flowers Birthday Cake, at Marks & Spencer
25 portions Sponge cake: all-butter sponge filled with buttercream and raspberry jam. Sponge cakes can be eaten up to 5 days after collection Cake Diam: 22.5cm 1.8kg total weight Not suitable for nut allergy sufferers Suitable for vegetarians As featured on page 67 of the Food to Order brochure Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

Autograph Pure Wool Flat Front Fine Stripe Trousers, at M&S
Fashionable and contemporary, these fine stripe trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

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

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

Free insurance quotes are available online for all of M&S Finance 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 and Spencer insurance products in document format too.