There are lots of ways to save money using M&S Financial Services. Not least of these is Marks and Spencers 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 & 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 Finance, you get more, and you pay less.

Besides Marks & Spenser Motor Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Home Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Financial Services Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Mark & Spensers purchases are also protected while you take them home.

Also, on both M&S Financial Services Premier Home Insurance and Standard Home Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

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.

Humax PVR-9150T Digital Television Recorder with 160GB HDD & Twin Tuner, at Marks and Spencer
Digital terrestrial set-top box Simultaneous viewing of one channel and recording another channel Access to Freeview+ channels Simultaneous playback of previous recording and recording of 2 channels Up to 100 hours of recording on an integrated 160GB HDD MPEG-2 Digital & Fully DVB-T Compliant Picture In Picture (PIP) for viewing 2 programs on 1 screen Pause & Play live TV (Time Shift Recording) One touch record scheduling in EPG Common Interface for Pay TV Software Upgrade via OTA & serial connection (RS-232C) Dimensions: W36 x H5 x D24.5cm Weight: 2.9kg

Harry & Sally Cute Wedding Card, at Marks&Spencer
Cover text: On your Wedding Day Inside message: With lots of love Approx size: Unfolded: 150 x 150mm

Polka Dot Outfit New Baby Girl Card, at Marks & Spensers
Cover Text: Little baby girl Inside Message: Wishing you lots of happiness with your new precious baby Approx Size: 150 mm x 150 mm

Pure Cotton Animal Print Sarong, at Marks and Spenser
Feminine and pretty, this fashionable sarong features a striking animal print. The ultimate in poolside glamour

Pure Cotton Boat Neck Stripe Top, at Marks and Spenser
Smart and stylish, this boat neck top is made from cool comfortable cotton and features a stripe design.

Silver Celebration Cake, at Marks and Spencers
36 portions Fruit cake: Vine fruits, nuts and cherries laced with brandy. Cake weight 2.7kg. Fruitcakes can be eaten up to 14 days after collection Sponge cake: All-butter sponge filled with buttercream and raspberry jam. Cake weight 1.7Kg. Sponge cakes can be eaten up to 5 days after collection Cake size: 20.5cm square Not suitable for nut allergy sufferers Suitable for vegetarians Comes in a box suitable for storing the cake before serving As featured on page 68 in the food to order brochure Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

The Floral Collection Lavender Anti-Perspirant Roll-On, at Marks & Spensers
50ml Roll-on Lavender fragrance Alcohol free

Marble Collection Toilet Brush, at Marks n Spencer
H26.5 x Diam 13cm Marble effect holder Cylindrical holder Chrome handle, Manufacturer: Marks & Spencer

Faceted Heart Rope Necklace, at Marks n Spencer
Tie fastening Rope necklace Faceted heart pendant Length: 91cm

Footglove™ Riptape Trainers, at Marks and Spenser
Step out in style in these Footglove™ trainers, made from soft leather. Comfortable, lightweight and flexible

Open Season Blu-ray DVD, at Mark's & Spencer
Rating Parental Guidance,

Lone Range Pinot Noir 2006 - Case of 6, at Marks and Spencers
Style: Full bodied Grape variety: Pinot Noir Country of origin: New Zealand Closure: Natural cork Bottle: 6 x 75cl. Suitable for vegetarians Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml:1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

5 Cotton Rich Bud Print Midi Knickers, at Marks & Spenser
These cotton rich midi knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Pure Cotton Long Sleeve Stripe Pyjamas, at Marks and Spencer
Pretty and feminine, these stripe pyjamas are made from soft breathable cotton for a comfortable night's sleep

M&S Juicer, at M&S
1 litre capacity 30 watt Removable & washable filter Transparent plastic body Cord storage Dimensions: H32cm 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

Parasol Tealight Holder, at Marks and Spenser
6 arms Fits snugly around your parasol Approx size: W28 x Diam 28 x H14.5cm, Manufacturer: Marks & Spencer

Gathered Front Cover Up Beach Dress, at Marks & Spencers
Fabulously fashionable, this flattering cover up dress is designed in the latest shape. A stylish modern look

Per Una Bootleg Enamel Belt Jeans, at Mark & Spensers
Includes belt shown in image A stylish bootleg pair of jeans featuring multiple pockets and on the waist design. Comes with belt shown in the photograph

Cotton Blend Shawl Collar Longline Cardigan, at Marks and Spenser
Smart and stylish, this casual longline cardigan makes the perfect light extra layer. It features shawl collar with attached pockets for a fashionable touch.

Sunny Town Shop, at Marks & Spenser
With 2 realistic sounds Promotes imaginative play Sounds located in the till and the doorway Contains 3 x LR44 button cell batteries 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 conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Plush Noisy Bus Toy, at Marks n Spencer
Plush toy Brightly coloured soft bus Textured fabric windows Realistic sound This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Collezione Exclusive Flat Front Twill Trousers, at Marks and Spencer
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 these trousers to give you a feeling of luxury like no other

Low Rise Spot Swirl Shorts, at Marks and Spencer
Low rise shorts are perfect for wearing with hipster styles and these pretty spot swirl print shorts are shapely and modern. Added stretch gives a comfortable, flattering fit

Autograph Essentials Short Sleeve T-Shirt, at MarksandSpencer
Part of Autograph Essentials - a collection of luxurious and timeless wardrobe must-haves featuring premium design and sophisticated styling

Photo Frame with Mount 13 x 18cm (5 x 7"), at M&S
Rectangular shape Removeable mount card H29 x W24cm Aperture: 5 x 7in, Manufacturer: Marks & Spencer

Embroidered Flowers Granny Birthday Card, at Marks & Spencer
Cover text: Granny Inside message: Blank for your own message Approx size: 150 x 150mm

M&S 19'' HD Ready LCD TV with Built-in DVD Player - Pink, at Marks & Spencer
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display:19 inch flat screen, resolution: 1440 x 900 pixels Contrast Ratio: 500:1, Dynamic Contrast Ratio: 4000:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: H41 x W46 x D20.5cm Sound: Nicam stereo Connectors: 1 x HDMI input, 1 x Scart socket DVD Player: Built-in DVD player 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount T042100 to perfectly mount this TV This product is not available for international delivery. Find out more

Autograph Milan Glass Shelf, at Marks and Spencer
Wall mounted H7 x W45.6 x D7cm, Manufacturer: Marks & Spencer

2 Silicone and Wood spatulas, at Marks n Spencer
These essential spatulas can be used for a multitude of culinary tasks. Incredibly practical the wooden handles ensure safe heat insulation

Older Boys' Pure Cotton Check Shorties, at Marks & Spensers
He'll love the fun 'Don't worry this is just my morning face' slogan on these comfy pure cotton shorties

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks and Spencer once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Mark & Spensers, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.