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

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

Whether you're looking for savings products or M&S Financial Services loans, credit cards or Property Insurance - besides a number of other insurance products, M&S Financial Services 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 Financial Services insurance products (Property Insurance, Motor 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 n Spencer insurance products in document format too.

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 Motor 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; Motor Insurance and Property 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 Property 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.

Olivia Bedstead, at M&S
Headboard H111cm Endboard H86cm Dbl: L204 x W144cm 5ft: L214 x W 159cm 6ft: L214 x W189cm Hand-forged solid bronzed steel frame Bronze powder finish Sprung beach slats to ensure excellent support, Mattress sold separately Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Ethnic Heart Cluster Necklace, at M+S
Adjustable length Clasp fastening Heart cluster design Necklace length 82cm, extendable by 8cm

Roberts iDream DAB/FM Clock Radio with iPod Dock, at Marks & Spencer
Dock for iPod - listen to your iPod whilst it charges DAB/FM wavebands with 20 station presets Infra red remote control Auto time set Two independent alarms - wake to iPod, radio or buzzer Adjustable Sleep and Snooze timers Large easy to read LCD display with blue display backlight and multi stage dimmer Menu display/selection of all major functions Search /Manual tuning Aux input socket for iPod/MP3 playback Headphone socket iPod not included 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

Autograph Occasions Floral Lace Wedding Dress, at M+S
Simply elegant, this exclusive wedding dress is detailed with a floral lace design. An exclusive, luxurious look from Autograph for your wedding day

Craft-Look Dandelion Clocks Multipack of Cards, at Marks and Spenser
Pack contains: 8 cards, 2 designs Cover text: All cards are blank Inside message: blank for your own message Approx size: 138 x 138mm

Collezione Wool Rich Single Breasted Pindot Check Jacket, at Marks & Spencer
This smart jacket adds a classic touch of style to trousers or jeans. Made from wool with linen, it'll be a wardrobe staple for many seasons to come

M&S Pure Cotton Pull On Bucket Hat, at Marks and Spenser
This colored hat is ideal for all your summer activities this season. Whether you find yourself at a festival, in the garden or at the beach the wide brim will keep you feeling cool and well protected

2 Limited Collection Spot Print Padded Plunge Bra, at Marks & Spencer
Fun and fabulous, this cotton blend bra is part of our Limited Collection lingerie. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Per Una Supersoft Cat Mule Slippers, at Marks & Spencer
Mule style Round toe Flat sole Cat embellishments Contrast lining

Philips HX6311 Rechargeable Sonic Toothbrush, at Marks and Spencer
KidTimer: Increases brushing time slowly over 90 days, building towards the dentist recommended 2 minutes Power modes: 2 Kid-friendly power modes adapt to different ages providing a gentle cleaning that's ideal for different ages. There is a low mode for ages 4 to 6 and a high mode for ages 7 and older Brush Heads: 2 brush head sizes that are specifically designed to gently clean and protect teeth at key developmental stages KidPacer: Fun sounds encourage kids to brush the front and back of both upper and lower teeth Fun interchangeable panels: Allows kids to customise their toothbrush Anti-roll shape: Sturdy handle design allows kids to store it upright as well as apply toothpaste while the toothbrush is laying flat Multi grip design: Ergonomically designed to enable parents and kids to brush together or on their own Battery type: Li-Ion Rechargeable battery Speed: 31,000 brush strokes per minute Operating time (full to empty): Fully charged should provide 42 2-minute brushings (3 weeks) Voltage: Multi-Voltage Charger 100-240 V 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

Silver Plated Mosaic Leaf Necklace & Earrings Set, at Marks and Spencers
2 part set Hook fastening drop earrings Pendant necklace with adjustable length Mosaic leaf design Necklace length 40cm, extendable by 8cm For hygiene reasons, refunds will only be given in accordance with your legal rights

Limited Collection Faux Fur Lined Boots, at Marks & Spencer
Round toe Stitch detail Pull on Faux fur lined

2" Longer Sleeve Pure Cotton Bold Stripe Shirt, at Mark's & Spencer
Smart and stylish, this 2" longer sleeve stripe shirt is made from pure cotton

Set of 3 Rococo Style Photo Frames 5.1 x 7.6cm (2 x 3"), at Marks&Spencer
Set of 3 Rococo style Option to stand or hang Dimensions: 5.1 x 7.6cm (2 x 3"), Manufacturer: Marks & Spencer

Limari Valley Sauvignon Blanc 2008 - Case of 12, at Marks and Spencer
Style: Dry, medium bodied Grape variety: Sauvignon Blanc Country of origin: Chile Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol units per bottle: 9.8 Alcohol by volume: 13% vol. 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

Girlie Dress Up Stickers, at Marks and Spencer
3 sheets 75 stickers 205mm x 272mm

M&S Quick Pitch Floral Pop Up Tent, at Marks & Spencer
Take some of the hassle out of camping with this handy pop-up tent. There's no assembly required, you simply twist and the tent pops open. It fits two people and packs flat into a carry case so it's easy to store and carry. With its unique single skin design camping has never been easier

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

Dan's Mouse Thinking of You Poem Card, at MarksandSpencer
Cover text: Thinking about you..., There are better times ahead of you, In lots of different ways, 'Cause just around the corner, Are the sunniest of days Inside message: With love Approx size: 174 x 125mm

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

Corby 3300 Trouser Press, at Marks and Spencer
No need to dampen trousers before pressing. The inherent humidity content of natural and mixed fibres assists the pressing process Can be used free-standing or wall-mounted using simple fixings supplied in each carton Features a jacket hanger 30 minute setting Automatic cut-off Manual cancel option Coin Tray 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

Classic Duckling Thank You Cards - Pack of Ten, at Marks n Spencer
Cover text: thank you Inside Message: Blank for your own message Pack contains: 10 cards, 1 design Approx size: 120 x 120mm

Autograph Puccini Sofa Pad Set, at Marks and Spencer
Plain seat pad set Suitable for all-weather use Seats and seat pads sold separately. Seats pictured are not included This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Crease Resistant Single Pleat Trousers, at Marks and Spenser
Stay smarter for longer with these innovative crease resistant trousers

Older Boys' Pure Cotton Check Shorties, at Marks & Spencers
He'll love the fun 'Don't worry this is just my morning face' slogan on these comfy pure cotton shorties

Autograph Pure Wool 2 Button Jacket, at Marks & Spencers
Our Autograph suits are made from finer fabrics with superior attention to detail, giving you the ultimate in sharp, sophisticated style

Domaine Ventenac Chenin Colombard 2008 - Case of 12, at M&S
Style: Dry Grape variety: Chenin Blanc & Colombard Country of origin: France Closure: Synthetic closure Suitable for vegetarians and vegans Bottle: 12 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

Pure Cotton Pleated Skirt, at Marks and Spencer
Elegant and feminine, this skirt is a stylish, versatile choice. A modern look that works dressed up or down

Pure Cotton Square Neck Ruffle Front Top, at Marks and Spenser
Smart and stylish, this short sleeve top is made from cool comfortable cotton and features a ruffle front

Autograph Pure Cotton Corduroy Trousers with Belt, at Marks & Spencer
Fashionable and practical, these cotton corduroy trousers are hardwearing and comfy. The additional stripe belt gives a trendy look. With luxury in every detail, this is part of our exclusive Autograph collection

Besides Marks and Spencers Motor Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Property 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 Marks & Spencer purchases are also protected while you take them home.

Also, on both M&S Financial Services Premier Property Insurance and Standard Property 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.