There are lots of ways to save money using M&S Finance. Not least of these is Marks & Spencers Standard Car Insurance. With M&S Finance 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 Finance, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from M&S, 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 M&S Finance, you get more, and you pay less.

M&S Finance 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 House 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 House 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 Finance Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

M&S Finance 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 Finance 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 Finance UK and European Breakdown Cover, since it covers you as a passenger too.

3 Pure Cotton Assorted Sleepsuits, at Marks n Spencer
Soft and snuggly, this practical pack of sleepsuits is great value! The cotton fabric is comfy to sleep in and popper fastenings make quick changes easy

Aluminium Deep Roasting Tray, at Mark's & Spencer
Non-stick Teflon coated Dimensions: L31 x W20.5 x D3cm, Manufacturer: Marks & Spencer

5 Pairs of Footsies, at Marks & Spencer
These soft semi-opaque footsies are designed to hide inside your shoes for extra comfort

Ceriso Rio Silk Bikini Knickers, at Marks & Spensers
Fun and funky, these modern bikinis feature a lace design. The low rise, high leg brazilian style gives a fabulous body-conscious fit. Designed for women who want the latest look

Satin Dress Aunty Birthday Card, at Marks & Spenser
Cover Text: Happy birthday to a special aunty Inside message: Have a fabulous day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 125 mm

Pure Cotton 3/4 Sleeve Spot Print Top, at Marks & Spencer
Pretty pintuck and spot print makes this soft cotton top extra special

Padded Pinstripe Underwired Multiway Bra, at Mark's & Spencer
This versatile bra can be worn 5 ways: conventionally, halterneck, cross back, strapless and one shoulder. Designed for a comfortable flattering fit, secure support and great flexibility

Handcrafted 3D Butterfly Mother's Day Card, at M & S
Cover text: With love on Mother's Day Inside message: Blank for your own message Approx size: Unfolded: 150 x 150mm

Soft Grip Masher, at Marks & Spencer
Loop in the handle for hanging Soft grip handle L27cm, Manufacturer: Marks & Spencer

Sonoma Office Swivel Chair, at Mark's & Spencer
H98 x W57 x D54cm Adjustable seat H45 - 54cm Gas-lift function Padded arms Delivered flatpack due to size. Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Wool Single Breasted 1 Button Jacket, at Marks and Spencers
Hours of handcrafting have gone into this superior quality suit for authentic tailored style. Every detail has been carefully considered to give a luxurious look and feel

Classic Thinking of You Card, at Marks & Spenser
Cover text: Thinking of You Inside message: During this difficult time Approx size: 175 x 127mm

Special Thank You Text Card, at Marks and Spenser
Cover text: Thank you Inside message: ... very much! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

2 Piece Pure Cotton Giraffe Top & Bottoms Outfit, at M&S
Fun and practical, this cute 2-piece outfit features a giraffe print. It's made from soft pure cotton to keep him comfy. Part of our fabulously stylish Limited Collection

Sun Formula Airbrush Self Tan, at Marks and Spenser
Natural tanning with out the sun Even and natural looking tan Develops in 4 to 6 hours Lasts up to 7 days Pack contains: airbrush; professional tanning solution; airbrush propellant and instruction leaflet This product is not available for international delivery. Find out more

Portfolio Cross Over V-Neck Top, at Marks & Spencer
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Wide Strap Plain Swimsuit, at Mark & Spencers
Modern and fashionable, this wide strap swimsuit is outstanding value

Pure Cotton 3 Piece Stripe Hooded Outfit, at Marks and Spencer
Smart and stylish, this 3-piece outfit gives a casual look and feels comfortable to wear

Diamanté Square Photo Frame 25 x 20cm (8 x 10"), at Mark & Spencers
Aperature 20 x 25cm (8 x 10 in) H8 x W10, Manufacturer: Marks & Spencer

Autograph Tinted Moisturiser, at Marks & Spenser
Firming tinted moisturiser Matt finish With ceramides SPF 15 Hypo-allergenic Oil free 30ml

Autograph Essentials Vintage Rose Embroidered E-G Bra, at M+S
Elegant and feminine this rose design bra features bow detail. It's underwired and structured to give fuller busts great support and a flattering enhanced shape. Beautiful exclusive lingerie

Portfolio Petite Ruffle Front Blouse, at Mark's & Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season.

Black Half Frame Reading Glasses, at Marks & Spenser
Rectangle lens Black half frame For near vision and reading use only Not suitable for persons under 16 years of age Marks and Spencer reading glasses conform to British Standard BS: EN 14 139:2002

Autograph Sweet Avalanche+ Roses - Dozen, at Marks & Spencer
These extra-long stemmed, large-headed roses come in a selection of glorious shades. All of the rose bouquets are hand-tied and beautifully wrapped in frosted Autograph™ cellophane and black ribbon Available for delivery from 1st April to 30th September 2009

Ruby Cereal Bowl - Red, at Marks & Spensers
Deep dish Plain centre Stripe edge Diam 16cm Fine china, Manufacturer: Marks & Spencer

Pure Cotton Stripe Button Vest, at Marks & Spencer
A stripe design adds a fashionable touch to this soft cotton top

Autograph Retro Hipsters, at Mark's & Spencer
Sitting slightly lower on the waist and providing a snug fit, these comfortable hipsters are a great way to stock up your day to day underwear drawer

Non Iron Short Sleeve Check Shirt, at Marks & Spencer
Smart and innovative, this easycare shirt has a special finish on the fabric and is cleverly constructed to make it non-iron. A great time saver, ideal for work wear

Single Breasted 2 Button Herringbone Jacket, at Marks & Spensers
A style classic at a great value price, updated with a modern cut and contemporary detailing

Bear Collection - Flat Sheet, at Marks and Spenser
L150 x W120cm Embroidered bear detail Pure Cotton, Manufacturer: Marks & Spencer

Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the Marks and Spenser online store. Here are just some of the financial products which can be purchased via the M&S Finance website:

• M&S Insurance: M&S Car Insurance, M&S House 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 Finance in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Finance website.