There are lots of ways to save money using M&S Financial Services. Not least of these is M&S Standard Motor Insurance. With M&S Financial Services 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 M&S Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks and Spencers, 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.

M&S Financial Services offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor 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 Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Financial Services Motor Insurance is not like that at all, and when you compare M&S Motor 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 & Spenser 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor 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 Motor 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.

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

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

Older Boys' Holiday Flip Flops, at Marks & Spencers
Flat sole Plain

Per Una Styled Overlaid Lace Padded Bra, at Mark & Spensers
Elegant and feminine, this stylish bra features stretch lace fabric and a scallop trim. The padded balcony style gives maximum uplift and a fuller shape. Pretty everyday fashion

Black & Decker PV100K-XJ Extension Kit, at Marks & Spensers
Extension kit for Dustbuster hand vacs to enable effective cleaning of floor surfaces without bending your back Easy to assemble and attach or detach from the hand vac Can be used on hard floors and carpets Compatible with PV9605N, PV1205BN, PV1405N, PV1805N

Sterling Silver Organic Double Oval Necklace, at Mark's & Spencer
Clasp fastening Double oval design Length: 41cm

Margaux La Petite Echoppe 2006 - Case of 6, at Marks and Spencer
Style: Full-bodied Grape variety: Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl Alcohol by volume: 13% 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

Pure Cotton Long Sleeve Little Miss Top, at Marks & Spencers
Fans of Little Miss will love this pure cotton top featuring the popular character. A practical, easycare style

Pure Cotton Spot Print Mock Layer Top, at Marks & Spencers
Cute and comfy, this pure cotton mock layer top is outstanding value

Griffin iClear Touch Case, at Marks & Spencer
iClear's transparent and unobtrusive design protects your iPod with a tough polycarbonate shell, strong enough to take the daily abuse of active lifestyles

M&S Café Torino, at Marks & Spenser
Removable filter with anti-drip Water level increments Makes up to 14 cups Safe thermostat adjustment Stay-warm function Polished stainless steel On/off switch with indication light H37cm 1000 Watt Automatic safety feature to switch off warm plate after over an hour 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

125 Years Fruit Jellies Mug, at Marks & Spensers
Fruit jelly design 'Marks & Spencer Fruit Jellies' slogan, Manufacturer: Marks & Spencer

Star Print Dome Umbrella, at Marks and Spencer
This stylish umbrella features a wide canopy for extra protection from the elements, keeping you drier

Artificial Orchid in Cylinder Glass Vase, at Marks & Spenser
Artificial Orchid Cylinder Glass Vase Height: 76.5cm, Manufacturer: Marks & Spencer

Per Una Body Cream, at Marks and Spencers
Massage into your skin until completely absorbed to leave your skin delicately fragranced 200ml

Blue Harbour Short Sleeve Check Shirt, at Marks & Spencer
Stylishly smart casual, this comfortable check shirt looks great dressed up or down

Berry Crush Performance Vest, at Marks and Spencer
Ideal for active wear, this Performance top incorporates moisture management technology. The high-performance fabric draws moisture away from the skin to the surface, keeping you drier. Designed for a great fit and essential ease of movement

Romerol Rioja Crianza 2005 - Case of 12, at Marks&Spencer
Style: Medium bodied Grape variety: Tempranillo Country of origin: Spain 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

125 Years Luxury Wool Rich Single Breasted 2 Button Jacket with Cashmere, at Marks & Spenser
Part of the Commemorative Collection, celebrating 125 years of M&S. Fabulous vintage style inspired by our archives

Pure Cotton 4 Pocket Poplin Jacket, at Marks n Spencer
Practical and fashionable, this mid length jacket is made from easycare cotton. Its contemporary styling will keep you looking sleek and chic season after season

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

Domaine de la Clapière Jardin de Jules 2006 - Case of 12, at M&S
Style: Full Bodied Country of origin: France Closure: Natural cork 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

Hooded Check Design Coat with Wool, at M & S
Fashionable and practical, this hooded coat is fully lined and features check design. A comfortable, easycare style

Per Una Cheek Colour, at Marks & Spencers
Soft powder Illuminating Flower motif Hypoallergenic Comes in 3 colours

Perfect Sonoma Extending Dining Table & 6 Slat-Back Chairs Set, at Marks & Spencers
7 piece set Table: H76 x L180 x W100cm Extends to L230cm Seats 6-8 people, comes with extension leaf to seat 8 Set of 6 slat-back dining chairs Made from solid oak with leather seat Chair: H87 x W49 x D56cm Seat: H48cm Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Older Boys' Transformers Mule Slippers, at Marks and Spencers
Round toe Slip on Transformers motif Mule design 2007 Hasbro

Younger Girls' Pure Cotton Minnie Mouse Slippers, at Marks&Spencer
Round toe 'Minnie Mouse' motif Stretch rim Disney

Coloured Glass Collection - Small Hurricane Lamp, at Marks and Spencer
H18 x Diam 13.5cm Thick base Coloured glass Candle and sand included Hurricane lamp style, Manufacturer: Marks & Spencer

Textured Disco Circle Necklace, at Marks & Spenser
Circle pendant Hammered effect Rope necklace

Autograph Long Sleeve Dual Tone Stripe Shirt, at M & S
This fab long sleeve shirt features a stunning dual tone stripe design. A sophisticated new look, perfect for this season

Mixed Bead Multi Strand Stretch Bracelet, at Marks n Spencer
Stretch bracelet Tie fastening Multi strand Mixed bead design

Panasonic Lumix DMC-FS15 Digital Camera, at Marks and Spencer
Pixels: 12.1 megapixels Optical zoom: 5x Digital zoom: 4x ISO Sensitivity: Auto / 80 / 100 / 200 / 400 / 800 / 1600 High Sensitivity (ISO 1600-6400) Dimensions: W9.7 x H5.4 x D2.1cm Weight: Approx. 138g with Battery and SD Memory Card, Approx. 116g (without) Recording Media: Built-in Memory (approx 50MB), SD Memory Card, SDHC Memory Card, MultiMediaCard (Still image only) Built-in-Flash: Auto, Auto/Red-eye Reduction, Forced On, Forced Off 0.3 - 5.3m (Wide/ISO Auto), 1.0 - 3.0m (Tele/ISO Auto) Self Timer: 2sec / 10sec Standard Accessories: Battery Charger, Battery Pack, Battery case / AV Cable, USB Connection Cable, AC Cable / Hand Strap, CD-ROM

M+S may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Motor Insurance, but Marks and Spencers 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 Financial Services 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 Financial Services loans, credit cards or Property Insurance - besides a number of other insurance products, M&S Financial Services 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 Financial Services insurance products (Property Insurance, Motor 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.