There are lots of ways to save money using Marks & Spencers Money. Not least of these is M & S Standard Motor Insurance. With Marks & Spencers Money 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 Marks & Spencers Money, 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 Direct, you get more, and you pay less.

Marks & Spencers Money 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 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, Marks & Spencers Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

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 & Spencer are so useful. Marks & Spencers Money financial products are, of course, designed to make Marks & 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 Marks & Spencers Money 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 Marks & Spencers Money Property Insurance than you will anywhere else, and you may even pay less with M&S.

Autograph Pure Cotton Fine Stripe Shirt, at Marks and Spencer
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Per Una Printed Stripe Bikini Top, at Marks & Spencers
Modern and colourful, this flattering bikini top is designed in the latest shape. The ultimate in poolside glamour

Andante Rim Dinner Plate, at Marks and Spencers
Ideal for everyday use, durable Plain Diameter: 27.5 cm, Manufacturer: Marks & Spencer

Royal Jelly & Pure Honey Bath Oil, at M & S
Pour under warm, running water to create a luxurious foaming bath 400ml

Mini Roll Platter, at M&S
16 rolls Serves 4-6 4 different sandwich fillings Ready to eat Contains sesame seeds As featured on page 8 in the food to order brochure Order by 5pm to collect in 2 days Available for collection in the majority of our UK mainland stores

Collezione Pure Silk Stripe & Spot Tie, at Marks n Spencer
Stylish and luxurious, this pure silk tie is part of Collezione, a sophisticated menswear collection inspired by Italian tailoring

Friuli D.O.C Grave Merlot 2006 - Case of 6, at Marks & Spencer
Style: Medium bodied Grape variety: Merlot Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Blue Harbour Short Sleeve Tonal Stripe Shirt, at MarksandSpencer
Stylishly smart casual, this tonal stripe shirt is made from a modal blend so it feels exceptionally comfortable to wear. Modal is a luxuriously soft fabric made from natural plant fibres

4 Floral Stacking Mugs, at M & S
4 mugs Stacking stand Floral design Mug: Diam 20mm Stand: H23.5cm, Manufacturer: Marks & Spencer

Dualit Vario 4-Slice Toaster - Cream, at Marks & Spenser
4 slice toaster Patented, award-winning ProHeat elements Mechanical timer to control toasting Manually operated eject lever to keep items warm until needed Selector switch - use only the slots required Designed for use in commercial kitchens Adjustable inner wire guard to grip toast All parts are repairable or replaceable Concealed crumb tray Extra wide 23mm slots to accommodate larger items and the optional sandwich cage Hand built in England 2200 watt Weight: 4.25 kg Dimensions: H22 x W46 x D21cm 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

Gold Plated Slinky Knot Drop Earrings, at Marks & Spensers
8 strand design Slinky knot feature Hook fastening Drop style

Pure Linen Long Sleeve Shirt, at Mark's & Spencer
This fashionable shirt features a stylish pintuck fagot design for a fab contemporary look

Autograph Weekend Cotton Rich Bootleg Jeans, at Marks & Spenser
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 Dobby Blouse, at Marks and Spencer
Pretty embroidery makes this lovely blouse so feminine and elegant. Versatile enough to be worn with smart or casual skirts and trousers, it will take you from day to evening in style

Portfolio Multi Strand Safari Necklace, at Marks & Spensers
Clasp fastening Adjustable length Multi strand Mixed bead design Necklace length 50cm, extendable by 8cm

Cotton Rich Eskimo Sleeping Bag, at Marks and Spencer
Cosy and comforting, sleepbags make a great way to stop babies getting tangled up in covers. This cotton lined sleepbag will keep baby at a comfy temperature throughout the night

Limited Collection Contrast Shopper Bag, at Mark's & Spencer
Fashionable and fabulous, this shopper bag is designed in one of this season's key shapes. It's strong and practical as well as a trend-conscious accessory. Get the latest look!

Classic Broderie Lace Detail Full Briefs, at Marks and Spencer
These pretty broderie lace briefs are shapely and modern. Added stretch gives a comfortable, figure-flattering fit

Autograph Handkerchief Collection Tall Vase, at Marks & Spencer
Fluted opening Handkerchief design top Round base Smoked glass H49 x Diam 21.5cm, Manufacturer: Marks & Spencer

George Bedtime Bear, at Marks n Spencer
An exciting introduction to the world of playtime, this interactive toy will have them entertained for hours of fun

Pure Cotton Broderie Ribbed Top, at Marks & Spensers
This short sleeved top will make a useful addition to your wardrobe. It features pretty embroidered details for a stylish casual look

PlayStation®2 The Sims™ 2 Castaway Game, at Marks & Spencers
Explore caves, beaches, jungles and even a volcano Design and create items from the island's natural materials Discover the island's many secrets You must be 12 years of age or over to purchase this product 2007 Sony Computer Entertainment Europe. 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, ESRB Rating: Kids to Adults

Collzione Pure Cotton Long Sleeve Stripe Shirt, at Marks and Spencers
Italian style is renowned for its attention to detail. Each Collezione piece 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 shirt to give you a feeling of luxury like no other

Per Una Longline Riviera Cardigan, at Mark's & Spencer
A fashionable longline cardigan featuring pleated chiffon trim

Collezione Leather Faux Crocodile Skin Loafers, at Mark & Spencers
Square toe Stitch detail Slip on Block heel Faux crocodile skin design

Funky Flower Wallpaper, at Marks and Spencers
Manufacturer: Marks & Spencer

3 Pairs of Lambswool Blend Comfort Easy Grip Socks, at Marks and Spencer
A lambswool blend makes these socks soft, breathable and absorbent to keep feet warm, dry and comfy

Pure Cotton Beach Cover Up Dress, at MarksandSpencer
Delicate and pretty, this flattering cover up dress is designed in the latest shape. The ultimate in poolside glamour

Per Una 3 Piece Bolero & Vest Set, at Marks & Spencer
A fashionable 3/4 sleeve bolero featuring a matching vest and added scarf

Dualit Dome Kettle - Cream, at Marks & Spenser
3000 watt rapid boil concealed element 1.7 litre capacity Water level viewing window High quality 18:8 grade stainless steel body Laser cut stainless steel water filter Boil dry safety feature Heatproof handle, knob and finger-guard Ergonomic handle for easy pouring Non-drip spout Cordless operation with axis rotary base and cord tidy Dimensions: H25cm 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

When you're shopping at Marks and Spencer 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 Marks & Spencers Money. Offering everything from savings accounts and credit cards, to Property Insurance and Motor Insurance, there's a lot more going on at Marks and Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from Marks & Spencers Money. 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 Marks & Spencers Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the Marks & Spencers Money 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."