There are lots of ways to save money using M&S Financial Services. Not least of these is Mark & Spencers 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 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 Car Insurance from M&S Finance, you get more, and you pay less.

When you're shopping at Mark's & 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 Buildings & Contents Insurance and Car Insurance, there's a lot more going on at Marks and Spencer 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."

Shopping for financial products at M&S Financial Services 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 Financial Services website:

• M&S Insurance: M&S Car Insurance, M&S Buildings & Contents 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 MarksandSpencer, it's easy to see that these are good financial products, at value-for-money prices.

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

Wide Strap Mules, at Marks and Spencer
Open toe Stitch detail Flat sole

Cotton Rich Velour Stripe Hooded Top, at Marks and Spencers
Soft fabrics, fashionable designs and cute finishing touches make our babywear range outstanding. This high quality, great value hooded top is designed to keep baby looking adorable and feeling comfy and happy

Tiga Media Unit, at Marks and Spencer
H35 x W120 x D47cm Equipment space: H13 x W49 x D47.5cm Made from sheesam wood Finished with a protective matt lacquer for added durability 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

Classic Collection Tencel® Jeans, at Marks and Spencer
In a timeless straight leg cut, these cotton rich jeans have added stretch for extra comfort and a classic zip and button fastening design. Wear with a crisp shirt and patent pumps for fuss-free casual style

Cotton Rich Lace Trim Thong, at Mark & Spensers
Perfect for wearing under tight-fitting clothing, this fashionable thong won't give you any visible panty lines. It's comfortable and flattering, and the low rise style is ideal for wearing under hipsters

5 Older Girls' Pure Cotton Assorted Shorts, at Marks & Spencer
Cute and trendy, this pack of 5 cotton briefs makes a great way to stock up on essential style

Letters on a String New Baby Girl Card, at Marks & Spencers
Cover text: Baby girl Inside Message: Congratulations Approx. size: 150 x 150mm

2 Autograph Pure Cotton Long Sleeve Spot & Floral Print Top, at Marks and Spencer
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

Casa Cadaval Estate Vinha Padre Pedro 2006 - Case of 12, at Marks & Spenser
Style: Medium bodied Grape variety: Mixed Red Country of origin: Portugal 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

Single Sprung-Edge Divan with 1 Small + 1 Large Drawers & Autograph F500 Mattress - Medium, at Marks & Spencer
Single Mattress (3ft): W90 x L190 cm Single Divan (3ft): W90 x L190cm Mattress depth: 28.5cm 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 Highly responsive pocketed springs Mattress features deep pillowtop layer of Talalay latex and luxurious white fibre Mattress also features two further layers of cotton and resilient white fibre for additional support Double row of hand side-stitching to add support to the edges Spring count: 1225 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

3 Younger Boys' Cotton Rich Monster Trunks, at Mark & Spensers
Comfortable, practical and fashionable, this pack of 3 trunks is made with soft breathable cotton.

Pure Cotton Floral Embroidered Top, at M+S
Pretty embroidery detail makes this soft cotton top extra special

Glass Ball Collection - Floor Lamp, at Marks & Spenser
Chrome plated Glass ball detail Square base Cylinder shade H154 x D38cm Bulb: 100W BC GLS This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Toy Story 2 Sticker Activity Book, at M & S
Includes storys Various activities Mulitple stickers Disney, Manufacturer: Marks & Spencer

Luxury Wool Rich Single Breasted 2 Button Blazer with Cashmere, at Marks & Spenser
Beautifully designed, made from superior fabric and finished with careful attention to detail, this 2 button jacket is exceptionally stylish and luxurious

M&S 32'' HD Ready LCD TV, at Marks and Spencers
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 32 inch flatscreen display with 1366 x 768 pixels Contrast Ratio: 7500:1 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: H58 x W80 x D24cm Sound: Nicam stereo Connectors 1 x HDMI input, 1 x Scart socket 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount

Vanilla Scented Pillow, at Marks and Spencer
Vanilla scented Rectangle shape, Manufacturer: Marks & Spencer

Collezione Pure Cotton 2 Button Fastening Jacket, at Mark & Spensers
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques

Plain Full Slip, at Marks & Spensers
A fashion essential you can't do without! This slip enhances the look of dresses and stops them clinging or becoming see-through under light. All our slips are cling resistant and come in a number of lengths

Per Una Long Sleeve Dip Dye Cardigan, at M&S
A stylish long sleeve cardigan featuring a dip dyed design and twin front pockets

Cotton Blend 3/4 Sleeve Stripe Longline Top, at Marks & Spencers
This fashionable top is made from super soft fabric that looks and feels great. Modern styling details give it a cool contemporary edge

Single Breasted Long Length Belted Mac, at Marks and Spenser
The classic long length mac is given a contemporary twist with a flattering cut and button detail for an elegant modern look

Cotton Blend Pyjama Shorts with Modal, at Marks & Spencers
Pretty and feminine, these shorts are made from soft cotton fabric for a comfortable night's sleep

Short Sleeve Thermal Vest, at Marks and Spencer
Soft, warm and cosy, this cotton blend thermal vest are designed to give comfy insulation, perfect for chilly weather

Autoritas Shiraz 2006 - Case of 6, at M&S
Style: Dry, rich and fruity Grape variety: Shiraz (Syrah) Country of origin: Chile Closure: Natural cork Suitable for vegetarians and vegans 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

3 Piece Check Waistcoat & Jeans Outfit, at Marks and Spencer
Fun and practical, this cute 3-piece outfit features check print shirt, waistcoat and jeans. It's made from soft fabric to keep him comfy

Autograph Styled Scratchy Spot High Leg Knickers, at MarksandSpencer
Glamorous and sophisticated these flattering briefs feature scratchy spot print. The modern low rise, high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

iPod® Camera Connector, at Marks and Spencer
Compatible with colour display iPod and iPod video Requires iPod photo software v1.1 or later 2 year guarantee 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 This product is not available for international delivery. Find out more

Desroches Champagne - Case of 6, at Marks n Spencer
Style: Dry Grape variety: Pinot Noir, Pinot Meunier & Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

M&S 19'' HD Ready LCD TV with Built-in DVD Player - Black, at Marks & Spencers
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 19 inch flat screen, 1440 x 900 pixels Contrast Ratio: 500:1, Dynamic Contrast: 4000:1 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: H41 x W46 x D20.5cm Sound: Nicam stereo Connectors: 1 x HDMI input, 1 x Scart socket DVD Player: Built-in DVD player 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount T042100 to perfectly mount this TV This product is not available for international delivery. Find out more

M&S Financial Services Insurance: There are, quite literally, hundreds of companies in the UK from whom you can purchase insurance. Whether you're looking for the best deal on Car Insurance, buildings and contents insurance, or even wedding insurance, it doesn't take long to find a company that will sell you a policy.

However, not all insurance companies, and certainly not all insurance policies, are the same. What may be standard on one insurance policy may be an optional extra on another, for instance; Car Insurance and Buildings & Contents Insurance are especially like this.

For example, most home and contents insurance policies either ask you to provide the total cost of rebuilding your home plus the total value of your home contents, or they will set an upper limit. This may seem fine at the time, but, in the event of a claim on your Buildings & Contents Insurance policy, the values act as maximum limits, and so you may, in effect, be under-insured and not receive the full value of your insurance claim.

Fortunately, M&S Financial Services Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.