There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks & Spencer Standard Car Insurance. With Marks & Spencer Money 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 Marks & Spencer Money, 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.

Marks & Spencer Money 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 Home 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 Home 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, Marks & Spencer Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

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 Marks and Spencer, through its Marks & Spencer Money 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.

Suede Sprung-Edge Divan with 4 Large Drawers, at Marks and Spencers
Double (4ft 6): W135 x L190cm King size (5ft): L150 x W200cm Super king size (6ft): L180 x W200cm Divan height: H41cm Sprung-edge divan - Can be used with any mattress Solid wooden frame Large drawers: H14 x W78 x D52cm Feet are castors Free eco-friendly home delivery. Our crews will unpack, assemble and position the item All mattresses and divans are anti-allergy protected All mattresses and Divans are manufactured in the UK This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Windsor Double Wardrobe & 8-Drawer Chest Set, at Marks and Spencer
2 piece set Wardrobe: H195 x W102 x D60cm 1 hanging rail and 1 shelf Chest: H91 x W153 x D44cm 8 drawers Made from from solid pine Finished with low sheen 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 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

Rocaille Snake Twist Necklace, at Marks and Spencer
Twisted layer design Rocaille beads Adjustable clasp fastening Length: 40cm

Younger Girls' Bird Print Slippers, at Marks & Spencer
Round toe Bird print Single strap Bow detail Spot lining Flat sole

Fish Selection (Serves 4-6), at Marks and Spenser
Contains 20 quarters Serves 4-6 5 different fillings Ready to eat As featured on page 7 of the Food to Order brochure Order by 5pm to collect in 2 days Available for collection in the majority of our UK mainland stores

Lichfield Extending Dining Table and 6 Alton Damask Chairs Set, at Marks and Spencer
Table: H75 x L145 x W95.5cm. Extends to L195cm Seats 6. Comes with extension leaf to seat up to 8 Solid ash damask dining chairs Chair: H99 x W46 x D55cm. Seat H49cm Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Chair frames made from solid European hardwood 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

Limited Collection Blocky T-Bar Sandals, at Marks and Spenser
Peep toe T-bar style Buckle fastening Stitch detail High heel Heel height 84mm Comes in sizes 3-8, including half sizes

Autograph Pure Cotton 3 piece Stripe Hooded Outfit, at Marks & Spencers
Fun and practical, this cute 3 piece outfit features a stripe design. It's made from pure soft cotton to keep him comfy. With luxury in every detail, this is part of our exclusive Autograph collection

M&S USB Mini Cable, at Mark & Spencers
1.8 metre cable 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

Indian Summer Pure Cotton Embroidered Runner, at M&S
Dimensions: L230 x W33cm Leaf embroidered design, Manufacturer: Marks & Spencer

'It's A Girl!' Gift Bag with Balloon & Bunny, at M&S
Celebrate the birth of a baby girl with this lovely gift bag that includes pretty pink, yellow and blue blooms. A congratulations balloon and polka dot bunny make this gift bag extra special Available for delivery from 1st April to 30th September 2009

Coupe Side Plate, at Marks & Spensers
Suitable for everyday use Versatile fine dining range Makes an ideal gift Pure white porcelain Diam 23cm, Manufacturer: Marks & Spencer

Freshfeet Check Design Slippers, at Marks and Spencers
Round toe Check design Tartan style lining pattern Chunky sole Slip-on With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology combats the bacteria that causes bad smells and odours Freshtech™ technology is permanently built in to the slipper and still performs after many washes

Metallic Floral Medium Gift Bag, at M&S
Ribbon handles Metallic gift tag 1 gift bag Approx size: H260 x W200 x D90mm

Portfolio Pure Cotton Denim Belted Skirt, at Marks and Spencers
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

Block Floral Long Length Skirt, at MarksandSpencer
Long and lovely, this A-line skirt is designed to fit and flatter. Stylish, practical and fashionable

Autograph Bootleg Tweed Button Trousers, at Marks & Spencer
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette

Más de Leda 2005 - Case of 6, at Mark & Spensers
Style: Dry, full bodied, oaked Grape variety: Tempranillo Country of origin: Spain Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Tyrrell's Fifth Generation Shiraz 2006 - Case of 12, at Marks and Spencers
Style: Dry, medium bodied Grape variety: Shiraz (Syrah) Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites This product is not available for international delivery. Find out more

The Floral Collection Magnolia Mini Gift Set, at Marks & Spenser
Pack of 3 Moisturising hand and body lotion 50ml Guest soap 25g Moisture rich hand wash 50ml

Girls: Me and My Friends, at Marks and Spencer
Girls love their friends, this cool book includes everything they need to know about friendships

Autograph Flat Front Plain Trousers, at Marks & Spensers
A flat front and black tones give them a modern look and feel that can be worn in the office or when out and about. Plus, the crease resistant fabric with stretch makes them ideal for everyday wear

Linen Blend Safari Pocket Cropped Trousers, at Marks&Spencer
Smart and modern, these linen blend below-the-knee trousers are tailored for a chic contemporary look

Black & Decker® DV9605TN Cyclonic Action Dustbuster® Vac, at Marks & Spencers
9.6V for powerful and effective pick-up Wet and dry Dustbowl Capacity - 700 ml Runtime - 13 minuttes Cordless for use anywhere Built-in crevice tool for greater accessibility and extra convenience Cyclonic Action spins dirt away from the filter maintaining optimum suction power New filter cleaning system to allow better dirt management Double action filtration allows the product to perform better and last longer Accessories are stored on board, always at hand for your cleaning jobs Multi-surface charging base, so it can be wall mounted or kept on the worktop Extra large bowl requires less emptying Window bowl so you know when to empty the Dustbuster Ergonomic design

Cotton Rich Multiway Underwired Follow On Bra, at Marks and Spenser
This simply styled great value bra is ideal for everyday wear. It's made from stretchy fabric for a supportive and comfortable fit. Designed as a follow on bra, the unique soft underwiring is perfect for girls who have been wearing our non wired bras for 2 years

Organic Cotton Erin Eco Shopper, at Marks & Spensers
Shop greener by using this organic cotton shopper instead of plastic carriers. The portrait of model Erin O'Connor was commissioned from eminent fashion illustrator David Downton, making this bag a must-have stylish accessory

Older Girls' Super Soft Slippers, at Marks & Spensers
Fluffy design Mule style Slip-on

Cotton Blend Tummy and Waist Control Vest, at Marks & Spencer
This tummy control vest gives a flattering shape - great under close fitting tops. The hidden panel shapes the waistline and flattens your tummy while the longer length helps prevent it rolling up

Philips ID9372B Cordless Phone with Answering Machine, at Marks and Spencer
250 name and number phonebook 50 SMS storage capacity 30 call log entries 15 minutes recording time Plug and play answering machine Call waiting Tone and pulse dialling Enhanced speakerphone for real-life hands-free conversations Free intercom Registers up to 4 handsets to one base White backlit inverse display SIM-card copying facility GAP compatible Caller ID and microphone mute feature

Windsor 3-Drawer Chest, at Marks and Spencer
H72 x W88 x D44cm 3 drawers Made from from solid pine Finished with low sheen 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 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

Besides Marks and Spencer Car Insurance, Marks & Spencer Money Credit Cards and other financial products, Marks & Spencer Money 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 Marks & Spencer Money 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 & Spencer purchases are also protected while you take them home.

Also, on both Marks & Spencer Money 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.