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

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 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 Financial Services Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the M+S online store. Here are just some of the financial products which can be purchased via the M&S Financial Services 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 M&S, it's easy to see that these are good financial products, at value-for-money prices.

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

Formula Energising Body Tonic, at M&S
A zesty, fruity blend of Grapefruit, lemon and lime oils energise, detoxify and rejuvenate Refreshing orange and zingy mandarin stimulate senses Enhanced with balancing Geranium oil to de-stress and uplift emotions Pepper essence helps soothe muscles Grapefruit and mandarin work together to help brighten up dull skin 100ml This product is not available for international delivery. Find out more

Total Support Floral Embroidered Non-Wired Bra, at Marks and Spencer
Soft and comfortable, this non-wired bra gives all-round support and uplift with good coverage, extra wide straps and 3 hook-and-eye fasteners. It's secure but gentle and lightweight, an ideal choice for everyday wear

Leopard Print Flexilite Umbrella, at M&S
Brighten up rainy days with this stylish lightweight umbrella

125 Years Recipe Journal, at Marks & Spencers
1 binder 6 section dividers 5 plastic wallets Sheets plain and lined paper Approx size: 186m x 228mm

16-Piece Cutlery Set, at Marks & Spencer
16-piece set Includes 4 knives, 4 forks, 4 spoons and 4 teaspoons Coloured handles 18/10 stainless steel - the highest grade of stainless steel Criminal Justice Act 1988 (as amended): please note we are not permitted to sell a knife or blade to any person under the age of 18 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Silk Rich Spot Bow Tie & Cummerbund, at Marks & Spensers
Stylish and sophisticated, this luxurious silk rich set adds an elegant finishing touch

Sonoma Light Triple Wardrobe & 2 Bedside Chests Set, at M&S
3 piece set Triple wardrobe: H200 x W130 x D65cm 1 hanging rail 1 shelf behind double doors 1 hanging rail and 4 shelves behind single door Bedside chest: H60 x W45 x D45cm Elongated wooden handles Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Drawer boxes and fronts made from solid Oak. Drawer bottoms made from White Oak veneer Handles made from solid wood Side and back made from White Oak veneer Top panel is veneered with solid Oak edging for strength 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 manufacturer's instructions, and be aware that polishes can add sheen., Manufacturer: Marks & Spencer

Freshfeet Faux Fur Warmlined Slippers, at Marks and Spencer
Slip-on Round toe Contrast stitch design Flat sole Sanitised Silver technology effectively reduces bacteria that cause odours

Brass Band CD, at Marks and Spencers
Album, Marks & Spencer

Fruity Beauty Citrus Zest Lip Balm, at Mark's & Spencer
Zingy lime balm Soothing effect 10g Ingredients: Polybutene, Ethylhexyl Palmitate, Cera Alba, Caprylic/Capric Triglyceride, Ceresin, Cera Microcristallina, Copernicia Cerifera, Silica, Mica, Ascorbyl Palmitate, Methylparaben Propylparaben, Limonene, Aroma, Benzyl Salicylate, Linalool, Benzyl Benzoate, Citral, Citronellol, CI 19140, CI 42090, CI 77891

Thermal Lace Trim Ribbed Camisole with Silk, at Marks & Spenser
Indulge in soft, warm comfort with this thermal easy to wear knitted camisole. Perfect for adding a snug extra layer to your outfits during the winter months

Royal Horticultural Society Yellow Watercolour Flowers Blank Card, at Marks & Spencers
Cover text: Just to say... Inside message: Blank for your own message Approx. size: 150 x 150mm About the RHS: The RHS is dedicated to advancing horticulture and helping all gardeners. An interest in gardening is all you need to enjoy being a member of the RHS. For more information call 0845 130 464, or visit www.rhs.org.uk

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

Autograph Long Sleeve Curve Waist Shirt, at Marks & Spensers
Feminine and elegant, this curve waist shirt is beautifully designed and cut for a flattering shape and features a contemporary pleat and pintuck detail

Signature Green Fig Fragrance Diffuser & Refill Plug-In, at Marks and Spencer
Changeable fragrance 15ml of fragranced liquid Lights up when in use This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Classic FM: Movies CD, at Marks and Spenser
Audio CD, Marks & Spencer

Cheeky Monkey Mirror Card, at Marks & Spensers
Cover text: Happy birthday, Thought you'd like a card with a cheeky little monkey on it... Inside message: So here you are! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 215 x 150mm

Autograph Tartan Bow Headband, at Marks and Spencer
Dress up those tresses in fabulous style with this pretty bow headband

Short Sleeve Contrast Gingham Shirt, at Marks & Spencers
This fab short sleeve shirt features a stunning gingham design. A sophisticated new look, perfect for this season

Brass Band CD, at Marks and Spencers
Album, Marks & Spencer

Pure Cotton Short Sleeve Pleated Bow Top, at Marks&Spencer
This short sleeved top will make a useful addition to your wardrobe. It features smart pleated bow design for a stylish casual look

Beaded Butterfly Necklace & Bracelet Set, at Marks and Spencer
2 part set Beaded butterfly design Adjustable length necklace with clasp fastening Stretch bracelet Necklace length 40cm, extendable by 8cm

Autograph Hooded Heart Print Mac, 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

Country Bunch Family Home Card, at Marks and Spencer
Cover text: New home! Inside message: Congratulations! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future 175 mm x 127 mm

Pure Cotton 3/4 Sleeve Crinkle Kaftan, at Marks and Spencers
Feminine and delicate, this kaftan is designed to fit and flatter. The ultimate in poolside glamour

Albany Pasta Bowl, at Marks and Spencer
Ideal for everyday use, durable Plain Diameter 22.5 Height 5cm, Manufacturer: Marks & Spencer

Bear Collection - Organiser, at Mark's & Spencer
Embroidered bear design Multi pockets L54 x W54cm, Manufacturer: Marks & Spencer

The Floral Collection Magnolia Hand & Nail Cream, at Marks&Spencer
Hand and nail cream Moisturising 100ml Ingredients: Aqua, Glycerin, Paraffinum Liquidum, Cetearyl Alcohol, Petrolatum, Magnolia Liliflora (Magnolia), Polysorbate 60, Glyceryl Stearate, PEG-100 Stearate, Isopropyl Palmitate, Dimethicone, Panthenol, Parfum, Disodium EDTA, Imidazolidinyl Urea, Methylparaben, Acrylates/C10-30 Alkyl Acrylate Crosspolymer, Triethanolamine Propylparaben, Xanthan Gum, Benzophenone-2, Propylene Glycol, Sorbitol, Amyl Cinnamal, Benzyl Salicylate, Butylphenyl Methylpropional, Cinnamyl Alcohol, Citronellol, Eugenol, Geraniol, Isoeugenol, Linalool, Phenoxyethanol, Butylparaben, Ethylparaben, Isobutylparaben, CI 19140, CI 14700

Dora the Explorer Watch, at Marks & Spenser
Buckle fastening Round face Butterfly design on straps Analogue Dora the explorer design 2007 Viacom International Inc

Per Una 3/4 Sleeve Embroidered Lace Jersey Top, at Marks&Spencer
A stylish 3/4 sleeve top featuring lace detail and a floral embroidered design

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 and 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.