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

When you're shopping at Marks & 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 Household Insurance and Car Insurance, there's a lot more going on at Marks & Spenser 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."

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

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Financial Services Car Insurance is not like that at all, and when you compare M&S Car Insurance to the competition then it stacks up quite nicely.

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

Woodspice for Men Gift Set, at Marks & Spencer
Aftershave 100ml Talc 100g Soap on a rope 50g Woodspice scent

Floral Collection Iris Moisturising Hand & Body Lotion, at Marks and Spenser
Iris fragrance Moisturiser Hand and body lotion 250ml

Stainless Steel Mini Tongs, at Marks and Spencer
Stainless steel design, Manufacturer: Marks & Spencer

Silver Plated Hoop Necklace & Earrings Set, at Marks & Spencer
2 part set Hook fastening drop style earrings Cord design with hoop pendant necklace

2 Per Una Essentials Clover Embroidered Thongs, at M&S
Feminine and delicate, this pack of 2 stylish thongs feature a delicate front panel in soft stretch lace. The high leg style gives a close, figure-flattering fit. Pretty everyday fashion

Ceriso Essentials Spot Embroidered Shorts, at Marks & Spencer
Flirty and feminine these modern shorts feature spot embroidered details. The low rise style gives a flattering, shapely fit, perfect for wearing with hipsters. Designed for women who want the latest look

Diamanté Thong Sandals, at Marks & Spensers
Thong style Open toe Diamant detail Flat sole

4 Disney Princess Books, at Marks and Spencer
These enchanting Disney Princess board books bring all the magic of the classic Princess stories to young children. Including interactive questions about the story and beautiful illustrations, these books are sure to become favourites for parents and children alike.

Underwired Lace Strap Minimiser Bra, at Mark's & Spencer
Reduce the visual size of your bust while maximising your support with the underwiring and added stretch of this attractive minimiser bra. A great option for everyday wear

Print Your Own Graphic Heart Wedding Invitations, at MarksandSpencer
Heart & bow design Pack Contains: 10 x invitations, 12 x folded insert sheets, 10 x coordinating envelopes, 10 x ribbons, 1 x sheet of glue dots, 1 x instruction leaflet, N.B. The CD-ROM is not included in the pack and is available separately. Approx size: 154 x 110mm The cards in this pack are made with material from FSC certified sustainable forests Download free software to personalise the stationery

Coupe Mug, at Marks and Spenser
Suitable for everyday use Versatile fine dining range Makes an ideal gift Pure white porcelain H10cm, Manufacturer: Marks & Spencer

Collezione Chronograph Circular Face Watch, at Marks & Spencers
Round face Chronograph detail Analogue Wind-up mechanism

Cotton Rich Scallop Trim Low Rise Shorts, at Marks and Spencer
These cotton rich shorts are shapely and modern. They have been designed with added stretch for a snug, comfortable and figure-flattering fit

Men's Classic Fragrance Collection, at M&S
Contains: Woodspice aftershave 30ml Woodspice shower gel 30ml Harvard aftershave 30ml Harvard ahower gel 30ml

Ultimate Fishnet Tights, at MarksandSpencer
The ultimate in stylish design, these fishnet tights have added stretch so they'll always keep in shape. They're finished with a reinforced sole and toe section so toes won't get caught in the netting

Tulsa 2-Seater Sofa, at Marks & Spensers
H96 x W203 x D98cm Seat H50cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that maintains the cushions' look and shape. Click here to Find out more Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushionns made from polyester fibre Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish Includes 2 free matching scatter cushions All of our fabrics are treated with Stain-Defence& trade; - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 08457 624 624 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Sony Memory Stick PRO Duo 4GB, at Marks & Spenser
Optimum for storing, sharing and transferring thousands of high quality pictures, videos and music Memory: Flash Memory Storage Capacity: 4GB Dimensions: 20 x 31 x 1.6mm Weight: 2g Operating Voltage: 2.7 V - 3.6 V Environmental temperature: -25C to 85C Minimum write speed: 15 Mbps(1875MB/sec) Free to Download, the Memory Stick Data Rescue Service enables quick recovery of deleted photographs and files(www.sonydigital-link.com/memstick/) Warranty: 5 years Delivered with a standard size adaptor Ideal for high resolution video recording Compatible with copyright protection technology ("MagicGate")

Artificial Giant Poppy in Glass Vase, at Marks and Spencer
Artificial giant poppy Glass vase Pebble lined base No watering required therefore easy care Fresh looking throughout the year Height: 86cm, Manufacturer: Marks & Spencer

Siemens Extractor Hood LC47650GB, at Mark's & Spencer
Ducted: H684 - 1083 x W600 x D500mm (chimney height adjustable) Recirculating: H775 - 1083 x W600 x D500mm (chimney height adjustable) Suitable for recirculating or ducted extraction Recirculating kit not included Stainless steel 3 speed operation 2 x removable metal grease filters 2 x 40W lamps Suitable for wall mounted installation This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

HP Pavilion dv2-1035ea Entertainment Notebook, at Marks and Spencers
Processor: AMD Athlon™ Neo Processor for Ultrathin Notebooks MV-40 Processor speed: 1.60 GHz, Level 2 cache 512 KB Memory: 4096 MB (2 x 2048 MB), Supports up to 4 GB DDR2 memory Hard Drive: 500 GB SATA Hard Disk Drive 5400 rpm up to 9 GB partition for system recovery Display: 12.1'' Diagonal WXGA High-Definition HP LED BrightView Widescreen Display Operating System: Genuine Windows Vista Home Premium with Service Pack 1 Graphics Card: ATI Mobility Radeon HD 3410, up to 1790 MB total graphics memory with 512 MB dedicated DVD Drive: LightScribe SuperMulti 8X DVDRW with Double Layer Support Memory slot: 5-in-1 integrated Digital Media Reader for Secure Digital cards, MultiMedia cards, Memory Stick, Memory Stick Pro, or xD Picture cards Camera: Webcam with integrated microphone Interfaces: 3 USB 2.0, 1 HDMI connector, 1 VGA , 1 RJ45 ethernet connector, 1 headphones-out, 1 mic-in Connectivity: Ethernet 10/100BT integrated network interface 802.11b/g WLAN Battery: 4-cell Lithium-Ion (Li-Ion) battery Media software: Windows Media Player, DVD Play, Windows Movie Maker, Windows DVD Maker, Cyberlink DVD Suite, Windows Media center, HP Games Console with hours of free game play Additional software: Microsoft Works and Microsoft Office Home and Student 2007 60-Day Trial Version, Microsoft Internet Explorer, Windows Mail, Adobe Reader, HP MediaSmart Suite, HP Total Care Advisor Dimensions: L29.2 x W24 x H3.27cm Weight: 1.7kg

Wisteria Luggage Weekend Rollercase, at Marks and Spencer
Free 5 year guarantee Supported by sturdy wheels and a stand-alone feature, this rollercase is the ideal option for short trips away. It has dual packing compartments and a big 37 litre capacity

Gold Plated Diamanté Cross Necklace, at Marks & Spenser
Diamant detail Thin chain Necklace length 41cm, extendable by 8cm

Classic Collection Long Sleeve Plain Cardigan, at Marks & Spenser
Stylish and so comfortable, this cardigan in softest cashmilon™ feels as good as it looks and the smart button fastening adds the perfect finishing touch

Limited Collection Dogtooth Design Cardigan, at Marks & Spensers
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

Dallas Sunglasses, at Marks & Spencer
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Monaco Beaded Jewellery Set, at Marks & Spencer
3 part set Hook fastening drop earrings Stretch bracelet Adjustable length, clasp fastening necklace Mixed bead design

Woodland Interactive Snail, at Marks and Spencer
Contains a small oval plastic mirror under the flap on the shell A pocket on the reverse of the shell which contains 3 coloured, embroidered leaves which can be removed from the pocket Two softened plastic teethers attached to the tail of the snail by a satin ribbon loop Includes a blue and green butterfly attached via a cord to the top of the shell. When pulled, the cord will extend to a maximum length of 115mm before being automatically retracted into a mechanism in the top of the shell. This mechanism vibrates Double lined for safety Suitable from birth Approximate overall dimensions W325 H230 D120mm This product conforms to EN71 toy safety regulation, Manufacturer: Marks & Spencer

Sony Bravia 46'' KDL-46W4500 HD Ready LCD TV, at Marks and Spenser
HD Ready 1080p: HD 1080p compatible to display High Definition signals in breathtaking quality, i.e. Playstation 3, Blu-ray, etc. HDMI (High-Definition Multimedia Interface) delivers crystal-clear, digital audio and video signals using a single cable. 1080p is the maximum resolution defined for HDTV use Display: 46 inch LCD TV, 6.2 Mega Pixels Contrast Ratios: Dynamic contrast 50,000:1 Integrated Digital and Cable Tuner Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) and is cable TV ready (with supported providers only) Dimensions: W112 x H78.2 x D30.7cm (with stand) , W112 x H74.2 x D11.5cm (without stand) Weight: 31kg (with stand), 26.5kg (without stand) S-Force Pro Front Surround: Gives you virtual surround sound from just two front speakers Connections: 4 x HDMI (3 in back, 1 on side), PC connectivity, 1 x Component and 2 x SCART sockets BRAVIA Engine 2: Experience incredibly clear and defined images with BRAVIA ENGINE 2 picture enhancement technology and Advanced Contrast Enhancer Live Colour Creation with x.v.Colour: Uses a larger colour palette to produce vibrant colour like nature intended it to be seen 24p True Cinema: Shows films at 24 frames per second, just like a real cinema Motionflow: Boosts the refresh rate from standard 50Hz to 100Hz for super-smooth, precise viewing, which is ideal for sports Xross Media Bar: A new Sony interface that's easier to operate Picture Frame Mode: When you are not watching TV, display one of the 6 pre-installed masterpieces or show one of your own photos uploaded via the USB input Voice Zoom: Allows you to alter the volume of voices without changing the background volume BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Cotton Rich V-Neck Jumper, at Mark & Spensers
Smart and comfortable, this V-neck jumper is outstanding value. It's made from soft cotton with added stretch for improved fit, comfort and shape retention

Classic Collection Floral Embroidered Slippers, at Marks n Spencer
Round toe Floral embroidered design Ballet style Flat sole

Marks and Spenser may not necessarily be the first name that springs to mind when you're thinking about renewing your Household Insurance or Car 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 Money Direct 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 Household 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 (Household Insurance, Car 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 M & S insurance products in document format too.