There are lots of ways to save money using M&S Financial Services. Not least of these is M&S 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 Spenser, 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 Money, you get more, and you pay less.

When you're shopping at Marks and 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 House 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."

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 & Spenser are so useful. M&S Financial Services financial products are, of course, designed to make Marks and Spencer 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, House Insurance policies. Usually, UK House 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 Financial Services House 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 Financial Services House Insurance than you will anywhere else, and you may even pay less with M&S.

Per Una Eye Pencil, at Marks & Spenser
Eye definer pencil Hypo-allergenic Double ended Comes in 7 shades

Easycare Long Sleeve Shirt, at M&S
Perfect for a fuss free lifestyle, this shirt is made with easy care fabric that can be worn and washed, day in day out

Elephant Party Time Invitations, at Marks & Spencers
Cover text: Party time come and have fun! Inside message: Dear........, You are invited to a party, On............, Time..........., Place........., Hope you can come, RSVP............... 10 cards, 1 design This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 120 x 120mm

Paddington Bear, at Mark & Spencers
Includes duffle coat and squashy hat Suitable for ages 12 months + H32cm Paddington and Co. Ltd. 2005 This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

The Turn-Up Wide Leg Trousers, at Marks and Spencer
Wide leg trousers skim your shape for a super flattering silhouette. Perfect with flats or heels, they're elegant and fashionable. This must have pair come with smart turn ups for a polished look

Shades of Pink, at Marks and Spencer
5 Malibu Roses 5 Anastasia White Blooms 5 Dark Pink Spray Roses 5 Ruscus 75cl bottle of Cava Brut Licensing Act 2003: it is an offence for any person under 18 years to buy or attempt to buy alcoholic liquor Available for delivery from 1st April to 30th September 2009 Price includes delivery Looking to place a corporate bulk order? Please call 0845 6020602 This product is not available for international delivery. Find out more Vase not included

Jersey Bootleg Trousers, at M&S
Smart and practical, these easycare trousers are ideal for school. Added stretch gives a comfortable fit and great shape retention

Handcrafted Super Hero Mummy's Day Card, at Marks and Spenser
Cover text: Happy Mummy's Day... From your little super hero! Inside message: With lots and lots and lots of love xxx Approx size: 178 x 126mm

Blue Harbour Pure Cotton Long Sleeve Double Stripe Shirt, at Marks and Spencer
Stylishly smart casual, this double stripe shirt is made from pure cotton so it feels soft and comfortable to wear

Collezione Mother Of Pearl Cufflinks, at Mark & Spensers
Smart and sophisticated, these cufflinks add a touch of Italian-inspired style

Peppa Pig Birthday Card, at M+S
Cover text: Happy birthday Inside message: Have a fantastic day Approx size: Unfolded: 215 x 150mm

The Cotton Collection Cotton Flower Hand Cream, at Marks & Spencers
Moisturising hand cream 250ml Bottle with pump

Polka Dot Bikini Top, at Mark's & Spencer
Modern and stylish, this bikini is outstanding value. Style and quality at a great price

Philips 5000 series 47" Full HD 1080p LCD TV, at Marks and Spencers
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 47 inch LCD Full HD W-UXGA Act. matrix Screen enhancement Anti-Reflection coated screen Audio: Nicam Stereo, Incredible Surround, Treble and Bass Control Connectors: HDMI v1.3, S-video in, CVBS in, Audio L/R in, Headphone out, USB 2.0, Audio L/R, CVBS in, RGB, YPbPr, Audio L/R in, Audio constant level out, PC Audio in, PC-In VGA, S/PDIF out (coaxial), Common Interface Picture enhancement: Pixel Plus HD, 3/2 - 2/2 motion pull down, 3D Combfilter, Active Control + Light sensor, Colour Enhancement, Colour Transient Improvement, Digital Noise Reduction, Dynamic contrast enhancement, Luminance Transient Improver Child Protection: Child Lock+Parental Control Ease of Installation: Auto Programme Naming, Automatic Channel Install (ACI), Automatic Tuning System (ATS), Autostore, Fine Tuning, PLL Digital Tuning, Plug and Play Ease of Use: Auto Volume Leveller (AVL), Delta Volume per preset, Programme List, Settings assistant Wizard, One-stop Home button, Favourite programme selection Power consumption: 250 W Included Accessories: Tabletop swivel stand, Power cord, Quick start guide, CD-ROM with software + manual, User Manual, Warranty certificate, Remote Control, 2 x AAA Batteries Dimensions: H71 x W115 x D9cm (without stand) H77 x W115 x D30cm (with stand) Weight: 22.1kg (without stand) 26.1kg (with stand) Use wall mount T042104 to perfectly mount this TV 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 , Manufacturer: Marks & Spencer

Older Boys' Double Buckle Open Toe Sandal, at M&S
Slip on Double buckle fastening Flat sole Camaflage sole detail

1.7L Cordless Zebra Kettle, at Marks & Spencer
1.7 litre capacity 1850 - 2200W Black and white finish Anti-slip base with cord storage Water window and contrasting on/off switch Concealed element for fast boiling and easy cleaning Removable washable limescale filter 2 year guarantee

T394802, at Marks & Spencer
Manufacturer: Marks & Spencer

3/4 Sleeve Brushed Stripe Top, at Mark & Spensers
This fashionable soft top features stylish stripe design for a fresh modern look

Fresh Fruit Collection, at Marks and Spencer
Serves 8 Ready to eat Suitable for nut allergy sufferers 1kg total weight As featured on page 52 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

2 Cotton Rich Lace Trim Vests, at Marks & Spensers
Stylish and practical, this pack of 2 vests makes a great value way to stock up your underwear drawer. The stretch cotton fabric is the ideal choice for everyday wear and gives a comfortable flattering fit.

Thomas & Friends© Funnel Zip Neck Fleece, at MarksandSpencer
Fans of Thomas & friends will love this funnel neck fleece featuring the popular character. A practical, easycare style

Per Una Faux Fur Hooded Long Jacket, at Marks and Spencers
A cosy faux fur hooded jacket featuring button and zip fastening

Autograph Sweet Avalanche+ Roses - Two Dozen, at Marks & Spencer
These extra-long stemmed, large-headed roses come in a selection of glorious shades. All of the rose bouquets are hand-tied and beautifully wrapped in frosted Autograph™ cellophane and black ribbon Available for delivery from 1st April to 30th September 2009

Platform Spot Mule Slippers, at Marks n Spencer
Round toe Slip-on flat sole Spot print inside lining Mule style

Rockridge Cabernet Sauvignon 2007 - Case of 12, at MarksandSpencer
Style: Full bodied Grape variety: Cabernet Sauvignon Country of origin: South Africa Closure: Natural cork Bottle: 12 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Noah's Ark Cake, at Marks & Spenser
Order by 5pm to collect in 7 days 50 portions Chocolate cake: a rich chocolate cake filled with milk chocolate ganache 16 x 32cm 3kg Available for collection in the majority of our UK mainland stores As featured on page 62 in the food to order brochure Not suitable for nut allergy sufferers Chocolate and sponge cakes can be eaten up to 5 days after collection

Portfolio Short Sleeve Jersey Top, at Mark & Spensers
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Fairies Thank You Card, at Marks & Spencer
Cover text: Thank you! To thoughtful you from thankful me... Inside message: ...who sends this card gratefully! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 127mm

2 Cotton Rich Classic Short Sleeve Crew Neck Vests, at Mark & Spencers
A seam free design along the sides and the soft qualities of cotton ensures these great vests provide the ultimate in everyday comfort

Mats,coasters,trays - GRID ACA MAT 2PK, at Mark's & Spencer
Manufacturer: Marks & Spencer

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 M&S 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 Mark's & Spencer, 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 House Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.