There are lots of ways to save money using M&S Financial Services. Not least of these is Marks and Spencer 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 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 Money, 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 & Spencer 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, Sainsburys, or Tescos 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.

Marks & Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Home 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 Money 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 Home 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 (Home 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 and Spencer insurance products in document format too.

Cats Photographic Calendar, at Marks & Spensers
Month-to-view Approx. size: 225 x 390mm

Stain Defence™ Belted Bootleg Turn-Up Trousers, at Marks n Spencer
Smart and modern, these easycare bootleg trousers make a practical choice for school. They're treated with our unique Stain Defence™ finish which repels stains

Formula Instant Fix Lip Plump, at Marks and Spencers
Hypoallergenic 10ml

Autograph 4 Piece Suit Outfit, at Marks and 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

Diamanté Square Photo Frame 13 x 18cm (5 x 7"), at Marks and Spencers
Rectanglular Aperture 5 x 7in H13 x 18cm, Manufacturer: Marks & Spencer

Autograph Pure Cotton Long Sleeve Large Check Shirt, at M+S
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

Fenton Large 2-Seater Sofa, at Marks and Spenser
H90 x W218 x D103cm Seat: H51cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with dark finish Includes 2 free matching bolsters All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Easy Pasta, at Marks and Spencer
Passionate about pasta? Enjoy a great collection of quick and easy-to-make recipes that can be ready in minutes

Baby Boy in Box Card, at Marks and Spencers
Cover text reads: Baby boy Inside message: Congratulations on your special delivery! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future 175 x 127 mm

1GB Apple iPod Shuffle, at M&S
Holds up to 240 songs Shuffle switch - mix up your music with the flip of the shuffle switch. Flip it again to play handpicked lists and albums Durable anodized aluminium enclosure Built-in clip Up to 12 hours of skip-free audio playback Automatic syncing with iTunes Battery indicator Dimensions: H2.7 x W4.1 x D1cm (including clip) Weight: 15.6 grams In the box: iPod shuffle, Earphones, USB dock For Mac and Windows. Requires Windows Vista or Windows XP Home or Professional or Mac OS X v10.4.11 or later 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 TM and 2008 Apple Inc. All rights reserved This product is not available for international delivery. Find out more

Per Una Pure Cotton Floral Print Skirt, at Marks and Spencer
A pretty knee length skirt in pure cotton featuring a floral print and panel design

Bright Metallic Spots Roll Wrap, at Marks n Spencer
1 roll wrap Approx size: 150 x 70cm

Bingley Bear Champagne Husband Anniversary Card, at Marks & Spencers
Cover text: Happy Anniversary Husband

Cotton Blend Tank Top, at Marks n Spencer
Smart and comfortable, this soft cotton blend tank top is a lightweight extra layer that's ideal for school

Handcrafted Die Cut Daffodil Easter Card, at Marks & Spensers
Cover text: Happy Easter Inside message: with love at easter Approx size: 230 x 114mm

5 Lace Thongs, at Marks&Spencer
These comfy thongs merge a lace design with the shape retaining benefits of added stretch for a lasting and wonderfully flattering fit. Ideal for wearing under a host of skirt, dress and trouser styles

Ceriso Floral Print Brazilian Knickers, at Marks and Spencers
Flirty and feminine, these modern brazilians feature a floral print and centre bow. The low rise style gives a flattering, shapely fit, perfect for wearing with hipsters. Designed for women who want the latest look

Autograph Cotton Rich 3 Piece Waistcoat Outfit, at Marks and Spencers
Fun and practical, this cute 3-piece outfit features a stripe design. It's made from soft cotton to keep him comfy. With luxury in every detail, this is part of our exclusive Autograph collection

Per Una 3/4 Sleeve Twist Pleat Cardigan, at Marks and Spencer
A fashionable 3/4 sleeve cardigan in textured fabric featuring a twist pleat design

Abbot Chair, at M+S
H78 x W76 x D78cm Seat H43cm, arm H71cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a medium dark finish All of our fabrics are treated with Stain-Defence& trade; - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Per Una Pure Cotton Polka Dot Revere Pyjamas, at Mark's & Spencer
Modern and feminine, these pretty polka dot revere pyjamas are made from pure cotton. So you can relax in comfort and style. Part of Per Una's sleepwear collection

Ceriso Floral Print DD-G Padded Bra, at Marks and Spencers
Flirty and feminine this modern bra is beautifully detailed with a frill trim and floral print design. Soft padding and underwiring give great support and a fabulous flattering shape. Designed for women who want the latest look

Autograph Stem Hurricane Lamp, at M&S
Circular shape Glass holder Hand made Sand included Comes with candle H40 x Diam: 15.5cm Burning time: Approx: 65 hours, Manufacturer: Marks & Spencer

All Reds Welcome Mix - Case of 12, at Marks & Spencers
2 Solar Viejo Rioja Crianza 2005: If you are looking for a beautifully balanced, easy-drinking Rioja Crianza, then look no further... 2 Spinsanti Malbec 2008: A beautifully balanced and lusciously fruity Malbec from the Mendoza region of Argentina... 4 La Borie Merlot 2008: This deeply coloured, ripe and spicy Merlot from the Languedoc is packed with juicy black cherry and damson fruit... 4 Aldea Red 2008: A deliciously fresh, herb-scented red from the sunny uplands of eastern Spain... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Tribeca Corner Chaise (Right-Hand), at Marks & Spencers
H90 x W276 x D99cm Seat H46cm (all dimensions are approximate) Length 203cm Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Includes 3 matching scatter cushions Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a medium finish Can be arranged to fit both left and right room corners All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Autograph Pure New Wool Single Breasted 1 Button Eveningwear Jacket, at Marks & Spenser
A sophisticated slim fit look for elegant occasions. Our Autograph suits are made from finer fabrics with superior attention to detail for the ultimate in quality and style

Dualit Food Processor - Cream, at Marks & Spencers
Heavy duty induction motor with 12 year guarantee Fully adjustable slicing blade - 0.5mm to 7.5mm Reversible grating disc - 2.5mm and 4.5mm Reversible shredding disc - 1mm and 3mm Three long life stainless steel chopping blades with sure grip handles Emulsifying disc (Edisc) Bakery grade dough blade Chipping disc - 8mm square x 8 chips Takes 3 different bowl sizes which fit inside each other, allowing you to start with the small bowl, then move on to the medium and large bowls with no washing up in between Every bowl is perfect for multiple tasks and includes a giant 3.25L sized bowl Non-slip suction feet and multiple safety interlocks Pulse setting 1.5kW Dimensions: W21 x L25 x H42.5cm 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

Moscato Freisa Sweet Sparkling Rose NV - Case of 12, at Marks and Spencers
Style: Sweet Grape Variety: Moscato, Freisa Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 6.5% vol. Alcohol units per bottle: 4.9 Alcohol units per 125ml: 0.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Older Boys' Scotland Swimming Shorts, at Marks and Spencer
Sports fans will love these cosy swimming shorts featuring a Scotland motif. A practical, easycare style

The Little Mermaid Special Edition DVD, at Marks & Spencers
Rating Universal, suitable for all,

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 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 Home 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 Home 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.