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

M&S Financial Services offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor Insurance policies are much the same is usually a bad idea. At worst it can be a very expensive mistake - this is when you find out that your Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Financial Services Motor Insurance is not like that at all, and when you compare M&S Motor Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with M&S 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsbury's, or Tescos Direct:

• Personal UK and European Breakdown Cover automatically included
• Comprehensive cover for trips abroad in the European Union - up to 90 days per trip
• Courtesy car during approved repairs automatically included
• Cover for Motor Legal Protection automatically included

So, it is clear that, besides being good value, M&S Motor Insurance also provides much more extensive cover than some of the top competitors. Additionally, you don't even need to be behind the wheel to benefit from M&S Financial Services UK and European Breakdown Cover, since it covers you as a passenger 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 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, M&S Financial Services Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Mixed Bead Short Row Necklace, at Marks and Spencer
Dual-strand feature Clasp fastening Adjustable length Mixed bead design Necklace lengths: 40cm, extendable by 8cm

Pure Cotton Stripe Towel Bale, at Marks & Spencers
4 piece set Stripe trim design 2 x hand towels: 50 x 90cms / 500gsm 2 x bath towels: 70 x 120cms / 490gsm, Manufacturer: Marks & Spencer

3 Button Bootleg Trousers, at Marks and Spenser
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. A look that's always in style

Per Una Abstract Flock Skirt with Belt, at Marks & Spensers
A beautiful mid-calf length abstract print skirt featuring a flock pattern

Autograph Addison Side Table, at Marks & Spenser
H55 x W40 x D40cm With 1 drawer Made from American Black Walnut solids and veneers, with Beech veneer on unseen faces Finished with 2 coats of durable, clear lacquer of mid sheen Drawer pulls are solid wood due to their shape 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

Albany Cereal Bowl, at Marks and Spenser
Versatile fine dining range Suitable for everyday use Diam 18cm Makes an ideal gift, Manufacturer: Marks & Spencer

2 Fairtrade Organic Cotton Elephant All-in-One Suits with Socks, at Marks & Spensers
These cute all-in-ones are made from soft, comfy Fairtrade cotton. We buy the cotton at a fair price from small-scale farmers around the world. The extra income raised enables them to invest in their own communities, like providing wells for clean water and improving healthcare facilities

Autograph M500 Zip & Link Mattress, at Marks and Spencer
Super King Size (6ft): W180 x L200cm Mattress depth: 28cm Zip & Link mattress: Allows you to combine different levels of firmness on the left and right sides of the mattress. The two sides of the mattress zip together, so you and your partner can choose between medium or firm support Mattress unzips into 2 easier to fit into your home Entirely handmade Individually pocketed springs Deep pillowtop layer containing high quality fillings of cashmere, silk and super-soft reflex foam Double row of hand side-stitching to add support to the edges Spring count: 1225 Anti-allergy protected for the life of the mattress. Cotton filling is sterilised and free of dust Does not require turning 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

5 Pairs of Cotton Rich Contrast Heel & Toe Socks, at Mark & Spencers
Hardwearing and comfortable, these cotton rich socks are an ideal choice for school

Petite Single Breasted 1 Button Chevron Dart Jacket, at Marks & Spencers
Fashionable and modern, this tailored single breasted jacket features chevron dart stitch detail. A smart and stylish choice. Specially designed and perfectly proportioned for the petite frame

Twist Bead Necklace & Earrings Set, at Marks and Spencer
2 part set Twist bead design Hook fastening drop earrings Clasp fastening necklace Necklace length 44cm, extendable by 8cm For hygiene reasons, refunds will only be given in accordance with your legal rights

Autograph Weekend Pure Silk Blouse, at Mark & Spencers
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Classic Collection Pure Cotton Swirl Neck Top, at Marks & Spencer
Modern and stylish, this versatile top is made from soft easycare fabric and features a swirl neckline design. A fashionable style with a comfortable, flattering fit

Autograph Chunky Silver-Plated Photo Frame (5 x 7''), at Mark's & Spencer
Silver plated Chunky design Dimensions: H21 x W3 x L18.5cm Aperture: 13 x 18cm (5 x 7''), Manufacturer: Marks & Spencer

Nintendo Wii™ Console with Disney Sing It Game Bundle, at Mark & Spencers
Includes wireless Wii Remote, Wii Nunchuk and Sing It game with Microphone Sing it Game with Microphone: Disney Sing It is the new karaoke video game that allows fans to perform to 35 songs from Camp Rock, High School Musical, Hannah Montana, Miley Cyrus, Aly & AJ, Jesse McCartney and more Plays two disc formats in a single, self-loading media bay Features a processing chip from IBM and a graphics chip from ATI Completely backward compatible, all the way to the NES of the 1980s Built-in Wi-Fi access for easy connection to Nintendo Wi-Fi Connection gaming service Online Wii Channel for news, weather, photo viewing, message boards and more Supports up to 4 GameCube controllers SD card slot Fully compatible with GameCube games Comes with A/V cable and UK power adapter

Flowers Birthday Cake, at Marks & Spenser
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

Cable Knit Cushion With Recycled Filling, at Marks & Spensers
Square shape Cable knit L50 x W50cm Lined, Manufacturer: Marks & Spencer

Footglove™ Widefit Vented Loafers, at Marks and Spencer
Square toe Vented Stitch detail Low wedge heel Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Cotton Rich 3/4 Sleeve Floral Top with Silk, at Marks & Spencers
Pretty and feminine, this 3/4 length sleeve top is made from a luxurious blend of silk and cotton and features a floral print

Limited Collection Sequin Sleeve Tunic, at Mark's & Spencer
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

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

Maternity Open Front Jersey Cardigan, at Marks and Spencer
Smart and stylish, this jersey cardigan is designed to flatter you and your bump. A clever cut gives a neat, comfortable fit with room for growth. A fashionable, functional choice

Autograph Cotton Corduroy Trousers, 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

Mosaic Collar Necklace, at MarksandSpencer
Chunky design Clasp fastening Adjustable length Necklace length 41cm, extendable by 8cm

Multi-Stripe Ceramic Vase, at M&S
Fluted spout Multi-stripe design Broad base, Manufacturer: Marks & Spencer

Collezione Pure Wool Single Breasted 3 Button Jacket, at Marks and Spencers
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. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Pretty Perfect Iron Design Picture Beads, at Marks and Spencer
Suitable for ages 3-6 years Contains a rainbow of tiny beads and design templates Approx 2500 beads Size of 4 templates: 100 x 100mm Size of large template: 145 x 145mm Develops creativity This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

M&S Wall Mount with Tilt for 21-37'' TV, at Marks and Spencers
Fits LCD screens from 21-37 inches Slim fit and tilt VESA compliant for 21-37in screens No assembly required 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

Dawson Bedstead - Super King Size (6ft), at Marks & Spencer
L207 x W183cm Headboard H121cm Endboard H51cm Silver frame made from cast metal Mattress sold separately Self assembly This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Supima® Jacquard Waist Full Briefs, at Marks and Spencer
Soft and comfortable, these full briefs are made with luxurious Supima cotton. Known as the world's finest cotton, it's renowned for its superior strength, enhanced durability and sumptuous feel

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