There are lots of ways to save money using M&S Finance. Not least of these is Marks & Spensers Standard Car Insurance. With M&S Finance 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 Finance, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks & Spensers, 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 Marks & Spencers Money, you get more, and you pay less.

Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the Marks and Spencer online store. Here are just some of the financial products which can be purchased via the M&S Finance website:

• M&S Insurance: M&S Car Insurance, M&S Property Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks & Spensers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Finance in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Finance website.

M&S Finance 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 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 Finance Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Pacific Armchair AU09 Newness, at Marks and Spencers
Manufacturer: Marks & Spencer

Easy Soups, at Marks&Spencer
A great collection of tasty soup recipes to keep you warm during those winter months

Girls' Limited Pointelle Hat & Gloves, at Marks & Spenser
Snug and cosy, this cute hat and gloves set is a fashionable choice for chilly weather

Fern Embroidered Cushion, at Marks & Spencer
L30 x W40cm Embroidered fern design Rectangular shape, Manufacturer: Marks & Spencer

5 Cotton Rich Spot Print Bikini Knickers, at Marks and Spencer
These spot print cotton rich bikinis are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Single Wick Filled Candle, at Marks & Spencers
Single wick Glass holder, Manufacturer: Marks & Spencer

Utensil Pot, at Marks and Spencers
Plain Groove detail H20 x Diam 17.5cm, Manufacturer: Marks & Spencer

Portfolio Cotton Rich Straight Leg Jeans, at Marks and Spencer
Part of Portfolio's Set Sail trend. Fresh and breezy, this sophisticated look features classic styling with vibrant accents of summertime pinks and blues. Feminine and coordinated designs for the new season

Shorts with Tie Belt, at Marks and Spenser
Cute and sassy, these east fit shorts are relaxed and casual. The tie belt adds a stylish finish

Tyrrell's Single Vineyard Belford Hunter Chardonnay 2005 - Case of 6, at Marks & Spencer
Style: Dry, oaked Grape variety: Chardonnay Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Starry Animal Presents Multipack of Mini Cards, at Marks & Spenser
8 cards, 4 designs Cover text: All cards are blank Inside message: blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 95 x 80mm

Musical Mirror Hair Brush, at Marks & Spenser
Star shaped mirror Brush Musical, Manufacturer: Marks & Spencer

Chandelier Gift Card, at Marks n Spencer
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Pure Cotton Short Sleeve Pyjama Top, at Marks and Spencers
Pretty and feminine, this short sleeve pyjama top is made from soft breathable cotton for a comfortable night's sleep

10 Denier Ladder Resistant Sheer Stockings, at Marks and Spencer
Our new innovation in fabric technology incorporates stretch into every single stitch to create an even, lightweight design and comfortable fit that's ladder resistant and simply a dream to wear

Collezione Diamanté Weave Cufflinks, at MarksandSpencer
Smart and sophisticated, these cufflinks add a touch of Italian-inspired style

Medium Traditional Rag Doll, at Marks & Spencers
Not recommended for babies under 12 months Hair ribbon detail Check print design This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Autograph Pure Cotton Corduroy Straight Leg Trousers, at Mark's & 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

3 Pairs of Sheer Assorted Net Design Knee High Socks, at Marks & Spencers
These assorted net design knee high socks make a comfy and warm way to add a touch of style to this season's outfits. Added stretch and a reinforced toe gives durability and comfort

Blue Harbour Pure Cotton Stripe V-Neck Jumper, at Mark & Spensers
Relaxed and casual, this stripe v-neck jumper is made from pure cotton. It's designed to keep its shape and feel soft and comfortable to wear

3 Piece Pure Cotton Newborn Toucan Outfit, at MarksandSpencer
Fashionable and practical, this cute 3 piece outfit features an embroidered toucan design. It's made from soft cotton to keep her comfortable and happy

BT Studio 3500 Quad Pack Cordless Phones with Answering Machine, at Marks & Spencers
50 name and number phonebook Assign melodies to specific phonebook entries Caller display stores your last 40 numbers and displays their name and number each time they call Secrecy facility - allows you to talk to someone else in the room without the caller hearing 10 last number redial and recall Answer machine with up to 13 minutes digital recording time 2 pre-recorded outgoing messages - Answer and Record and Answer Only Earpiece, base station and handset ringer volume control Choice of 5 handset and 5 base ringer melodies Display language options GAP compatibility Talktime up to 10 hours, 30 minutes/standby time up to 160 hours Range of up to 300 metres outdoors/50 metres indoors Low battery and out of range warnings Switchboard compatible Answer delay setting Voice prompts Private playback via the handset Call screening/call intercept Memo facility Base unit loudspeaker Answer machine remote access Includes: 4 x BT Studio 3500 base, 4 x BT Studio 3000 handsets, 8 x NiMH AAA rechargeable batteries, 4 x mains power adaptors, 1 x telephone line cord 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

Adored Comfort Leaf Embroidered High Leg Knickers, at Marks and Spencer
Soft and pretty, these embroidered briefs are made from the softest fabric and trims, so they feel blissfully comfortable to wear. The high leg style makes legs look longer, giving a flattering shapely fit. Feminine everyday lingerie

Younger boys' Cars Wellie Boots, at Marks & Spencers
Round toe Lightning Mc Queen image Check and car print Lined Disney / Pixar

125 Years Luxury Wool Rich Flat Front Trousers with Cashmere, at M&S
Part of the Commemorative Collection, celebrating 125 years of M&S. Fabulous vintage style inspired by our archives

24 Vol-Au-Vents, at Marks & Spencers
Contains 24 pieces Serves 6 Ready to cook Suitable for freezing 400g As featured on page 14 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

Per Una Pure Cotton Sleeveless Floral Camisole, at Marks & Spencer
A fashionable camisole featuring an floral print and frill trim

Autograph Stainless Steel Bar Tray, at Mark & Spensers
Diameter: 39cm Circular shape, Manufacturer: Marks & Spencer

4 Pairs of Birdseye Assorted Socks, at Marks & Spencer
Soft and comfortable, these cotton blend socks are naturally breathable and absorbent, keeping feet dry and comfy. A reinforced heel and toe gives extra durability

Faux Pearl & Diamanté Duo Earrings, at Marks & Spencers
2 pairs Encrusted diamant pair Faux pearl pair Stud design earrings For hygiene reasons, refunds will only be given in accordance with your legal rights

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