There are lots of ways to save money using M&S Money Direct. Not least of these is Mark's & Spencer Standard Car Insurance. With M&S Money Direct 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 Money Direct, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Mark's & Spencer, 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, you get more, and you pay less.

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 Money Direct financial products are, of course, designed to make M&S 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, Buildings & Contents Insurance policies. Usually, UK Buildings & Contents 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 Money Direct Buildings & Contents 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 Money Direct Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Marks and Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings & Contents Insurance or Car Insurance, but Marks and Spenser 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 Money Direct 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 Money Direct loans, credit cards or Buildings & Contents Insurance - besides a number of other insurance products, M&S Money Direct 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 Money Direct insurance products (Buildings & Contents 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 Marks & Spencer insurance products in document format too.

Doves First Communion Card, at MarksandSpencer
Cover text: Celebrating your first communion Inside message: Have a wonderful day! Approx size: 174 x 126mm

Footglove™ Leather Lace Up Trouser Shoes, at Marks & Spencers
Round toe Lace up Stitch detail Mid heel Heel height: 64mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Short Sleeve Heart Print Belted Blouse, at Marks and Spenser
This fab short sleeve blouse features a stunning heart print design. A vibrant new look, perfect for this season

British Heritage Grain Lace Up Gibson Shoes, at Marks & Spencer
Lace up 4 eyelets Round toe Shallow block heel Inspired by traditional design Goodyear welted sole Full leather lining Crafted from premium calf leathers Made by hand in the UK

Bow & Floral Feather Fascinator Headband, at Marks n Spencer
A glamorous bow fascinator headband detailed with soft feathers

Philips HQ7380 Electric Shaver, at Marks & Spencer
Precision cutting system: Ultra-thin heads with slots to shave long hairs and holes to shave the shortest stubble Reflex action system: Automatically adjusts to every curve of your face and neck Comfort shaving heads: The skin friendly profile enables smooth skin contact for a comfortable shave Super lift and cut technology: The dual blade system lifts hairs to cut comfortably below skin level Spring-released pop-up trimmer: Full width, pop-up trimmer is perfect for grooming sideburns and moustache Can be easily rinsed under the tap Corrosion-free heads Hair-collecting chamber Replacable head

3 Pairs of Textured Microfibre Socks, at Marks & Spensers
These soft rib trim socks have added stretch for comfort and durability so they'll last wear after wear

Autograph Skinny Gingham Tie, at Marks & Spencers
Cut narrower for a contemporary look, this skinny tie adds a smart finishing touch. Ideal for sixth form wear

Pearl Effect Necklace, at Marks & Spencers
Pearl effect Extra long necklace Length: 117cm

Dotty Aunty Bubbly Birthday Card, at Marks n Spencer
Cover text: Have a Bubbly Birthday Aunty x Inside message: Blank for your own message Approx size: 215 x 150mm

Pure Cotton Short Sleeve T-Shirt, at M&S
Soft, snug and comfy, this cotton top is outstanding value. It features a talking gorrila motif and slogan. Fashionable and practical

Château de Launay 2004 - Case of 6, at Mark & Spencers
Style: Full bodied Grape variety: Merlot, Cabernet Sauvignon Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 15% vol. Alcohol units per bottle: 11.3 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

3/4 Sleeve Front Frill Geo Print Blouse, at Marks & Spenser
Smart and stylish, this 3/4 sleeve blouse features a stunning geometric print. A sophisticated new look, perfect for this season.

Pure Cotton Printed Cars Polo Shirt, at M&S
Fans of Cars will love this cotton polo shirt featuring the popular character. A practical, easycare style

Ultra Bright LED Torch, at Marks and Spenser
Scare away the dark with this super bright 3 LED Bulb Torch! Its superb 3 white LEDs provide an amazing brightness. Ultra Bright torch is compact and a very handy size. This torch does not just light the way ahead, it practically scares off the dark

Pure Cotton Belted Cargo Trousers, at M&S
Casual and relaxed, these stylish pure cotton belted cargo trousers are so comfortable and easy to wear. An effortless contemporary look that's fashionable, practical and easycare

Per Una 3/4 Sleeve Knitted Top with Necklace, at Marks and Spencer
A feminine 3/4 sleeve knitted top featuring a v-neck. Beaded necklace makes it extra stylish

Blue Harbour Stormwear™ Pure Cotton Classic Jacket, at Marks & Spenser
A fashionable favourite, the classic jacket is given a modern update with contemporary styling

Ultimate Pure Wool 3 Button Stripe Jacket, at Marks and Spencer
This high performance suit is made to work as hard as you do. It's extra durable and added stretch keeps it in great shape while giving you enhanced comfort and ease of movement

Large Tear Drop Glass Vase, at Marks and Spencer
Narrow neck Teardrop design Mirrored effect Narrow base Hand made, Manufacturer: Marks & Spencer

Younger Girls' Classic Patent School Shoes, at Marks and Spencers
Round toe Floral detail Scallop trim Single ankle strap with rip tape fastening Flat sole Easy Clean

Wisteria Small Rollercase, at Marks & Spenser
Smart and practical, this rollercase is made from hardwearing fabric and is fully lined. It features lock trolley system and comes with a padlock for security

Emerald Pleated Wave Bedcover, at Marks and Spenser
L250 x W265cm Pleated design, Manufacturer: Marks & Spencer

Per Una Long Sleeve Double Breasted Cardigan, at Marks & Spencer
A modern double breasted cardigan featuring a notch lapel collar

Collezione Multi-Coloured Check Cufflinks, at Marks and Spencers
Smart and sophisticated, these cufflinks add a touch of Italian-inspired style

Camouflage Brother Birthday Card, at Marks and Spencer
Cover text: Birthday Brother Inside message: Have a great day Approx size: 150 x 150mm

Philips HP6335 Double Contour Ladyshave, at Marks & Spencer
Fast and efficient shaving: Twin-head for light shave of even the toughest hairs Adjusts to every body curve: Floating shaving head follows your body curves Smooth shave with aloe vera Washable shaving head Rechargeable Accessories: cleaning brush, charging stand and bikini trim attachments

Cotton Rich Stitch Detail Bootleg Jeans, at Marks & Spencer
Flattering and fabulous, bootcuts make legs look longer and are kind to curves. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Classic Collection Short Sleeve Swirl Print Top, at Marks & Spencer
Modern and stylish, this versatile top is made from soft easycare fabric and features a swirl print. A fashionable style with a comfortable, flattering fit

Double Breasted Mid Length Mac, at M+S
Practical and fashionable, this water resistant mac features a double breasted design. Perfect for drizzly days, it can be accessorised with a rain hat or umbrella to see you through the season in style

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 Spencers 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 & Spencer, through its M&S Money Direct website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Buildings & Contents Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.