There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks and Spencer Standard Motor Insurance. With Marks & Spencer 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 & Spencer Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor 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 Motor Insurance from M&S Financial Services, you get more, and you pay less.

Marks & Spencer 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 Household 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 Household 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 & Spencer 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 n Spencer are so useful. Marks & Spencer Money 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, Household Insurance policies. Usually, UK Household 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 & Spencer Money Household 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 & Spencer Money Household Insurance than you will anywhere else, and you may even pay less with M&S.

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

Per Una Pure Cotton Floral Crinkle Top, at Marks and Spencers
A modern top in pure soft cotton, the bead detailing and floral print makes it extra stylish

Chunky Mixed Bead Necklace, at Marks & Spencer
Rope necklace Chunky mixed beads Clasp fastening Necklace length: 97cm

Handcrafted Diamante Words Valentine Card, at Marks and Spencers
Cover Text: I LOVE YOU 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: 150 x 150mm

Per Una 3/4 Sleeve Fluffy Cardigan, at Marks & Spencer
A fashionable 3/4 sleeve fluffy cardigan in textured fabric featuring a mixed style button fastening

Autograph Damask Bedcover, at Marks and Spenser
Embroidered design Contains padded quilting L250 x W265cm, Manufacturer: Marks & Spencer

Clear Glass Lantern, at Marks & Spencers
Hanging feature Circular glass holder H 7.5 x Diam 7.5cm, Manufacturer: Marks & Spencer

Meccano Road Monsters Mini Buggy, at Marks & Spencer
Suitable for ages 3+ Imaginative play 2 fun models to build and play with Over 50 parts Tools included This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Diamanté Shoes Daughter 18th Birthday Card, at Marks & Spencers
Cover text: To a very special daughter on your 18th birthday Inside message: Happy Birthday This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 126mm

Perfect Autograph Wool Rich Single Breasted 2 Button Jacket, at Marks and Spencer
Style is all in the detail. This suit has square shoulders and slanted pockets to slim the waistline and give a modern fit, while the bold contrast lining adds extra chic

3 Pure Cotton Plain Trunks, at Mark & Spensers
Providing a trusty staple for your underwear drawer, these plain trunks combine all the comfort and reliability of pure cotton with a great value price

Handcrafted Westies Valentine Card, at Marks & Spencer
Cover Text: I Love You... Inside mesage: Be my Valentine This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

North Coast Pure Cotton Botton Down Shirt, at M&S
Stylishly smart casual, this button down shirt is made from pure cotton so it feels soft and comfortable to wear

Cool Soft Cotton 3.0 Tog Duvet, at Marks and Spencers
3.0 tog Naturally breathable, keeping your body refreshed Pure cotton cover and filling Available in Single, Double, King size and Super King size, Manufacturer: Marks & Spencer

Crow's Fountain Shiraz Merlot Pinotage 2007 - Case of 12, at Marks and Spencer
Style: Medium bodied Grape variety: Shiraz, Merlot & Pinotage Country of origin: South Africa Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Embellished Trim Kaftan, at Marks and Spenser
Luxurious and exclusive, this sophisticated kaftan is beautifully designed in a flattering, fashionable silhouette for the ultimate in style. It's made from soft, comfortable fabric and finished with careful attention to detail

Single Sprung-Edge Divan with 2 Small + 2 Large Drawers & M200 Mattress, at Marks & Spencer
Double Mattress (4ft 6in): W135 x L190cm King Size Mattress (5ft): W150 x L200cm Super King Size Mattress (6ft): W180 x L200cm Single Divan (3ft): W90 x L190cm Double Divan (4ft 6in): W135 x L190cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): W180 x L200cm Mattress depth: 24cm Divan Height: 41cm Large Drawer: H14 x W78 x D52cm, Small Drawer: H14 x W40 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table Mattress has a soft pillowtop layer Continuous link mattresses provide a more supportive feel Spring count: 522 Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Push & Go Giraffe, at Marks & Spensers
Suitable for ages 0-3 years Giraffe design Encourages activity and hand-eye coordination Press down, then let go and watch him speed away Rattling bead-filled wheels This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

RealCool Cotton™ Performance Vest, at Marks and Spencer
As worn by GB Olympic pentathletes. Ideal for active wear, this RealCool Cotton™ Performance top is made from high-performance breathable fabric and is designed with stretch for great fit and movement

Centre Crease Straight Leg Trousers, at Marks and Spencer
Smart and stylish, these straight leg trousers make a great choice for work or formal occasions and they're machine washable for added convenience

Collezione Contrast Trim Loafers, at Marks and Spenser
Square toe Stitch detail Slip-on Block heel

Pure Cotton Gem Buckle Captain Hat, at Marks & Spencer
Keep ahead of the trends with this contemporary gem buckle sunhat, an essential look for style in the sun

Per Una Pure Cotton Appliqué Heart Minishirt, at Marks and Spenser
Modern and feminine, this stylish minishirt features an appliqu heart design. It's made from soft breathable cotton so you can relax in comfort and style. Part of Per Una's sleepwear collection

Château La Roseraie Dumont 2007 - Case of 12, at Marks and Spencer
Style: Medium bodied Grape variety: Merlot & Cabernet Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 12 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

Boned & Stuffed Pork Shoulder with Prosciutto, at Marks & Spencer
Serves 8-10 Ready to cook 1.96kg As featured on page 37 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

Pure Cotton Cargo Trousers with Belt, at M&S
Relaxed and comfortable, these pure cotton cargos feature a motif detail. A practical easycare style

Handcrafted Dotty in Paris Valentine Card, at Marks and Spencers
Cover text: To my darling Valentine Inside message: Ooh! La la! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: Unfolded: 178 x 127mm

Large Print Crossword Book, at Marks and Spenser
There are 160 straight forward crosswords in this brand new book. Whether you have only a few moments, or hours to devote to your favourite puzzles, these crosswords will challenge and entertain you

Leather Tab Purse, at Marks & Spencers
This stylish purse is made from real leather with reinforced stitching and a secure popper fastening. A high quality and chic essential

Charcoal Block Towels, at MarksandSpencer
Block design Comes in 3 sizes, Manufacturer: Marks & Spencer

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

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