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

Nonetheless, many features are standard to both the Premier and the Standard Car 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 Car Insurance from Marks & Spencer Money, you get more, and you pay less.

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 & Spencer are so useful. M&S Financial Services financial products are, of course, designed to make Marks and Spencer 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, Buildings Insurance policies. Usually, UK Buildings 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 M&S Financial Services Buildings 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 M&S Financial Services Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

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 Mark's & 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 MarksandSpencer, 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 Car Insurance, M&S Buildings Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Per Una 3/4 Sleeve Ruffle Neck Top, at Marks and Spencer
A casual 3/4 sleeve top featuring a floral print and ruffle front

Wall Art Wire Tree, at Marks and Spencers
Handcrafted Made of mild steel wire Approx size: 76 x 1 x 53cm, Manufacturer: Marks & Spencer

Wedding Rings Gift Card, at Marks and Spenser
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Autograph Leather Soho Bag, at Marks and Spencer
Luxurious and beautiful, this chain handle bag is part of our exclusive Autograph collection. It's made from matt and glossy leather, and is useful and practical as well as being a highly desirable fashion accessory

Velour Wide Leg Trousers, at Mark's & Spencer
Fluid and feminine, these wide leg trousers are cut to flatter, giving an elegant silhouette. A stylish, fashionable look

Autograph Pure Cotton Varigated Stripe Pyjama Bottoms, at Marks & Spencer
Create your own look by mixing and matching these varigated stripe pyjama bottoms with our tops and t-shirts. Great for relaxing in style whether you're heading for bed or just chilling out at home

2 Strappy Vests, at Marks and Spenser
Stylish and practical, this pack of 2 strappy vests makes a great value way to stock up your underwear drawer. The soft stretchy fabric is the ideal choice for everyday wear and gives a comfortable flattering fit

Butterfly Text Wedding Card, at Marks & Spencers
Cover text: Wedding, With love on your Special Day Inside message: Blank for your own message Approx size: 220 x 220mm

Autograph Floral Embroidered Cardigan, at Mark & Spensers
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

Fruity Beauty Bath Sugar Gift Set, at Marks & Spencers
6 bottle set Contains: wowee plum, zingy lemon, funky orange, shocking raspberry, luscious lemon, supercool berry Bath sugars

Contrast Stitch Riptape Sandals, at M & S
Open toe Riptape fastening Stitch detail Flat sole

Fun Holographic Characters Wedding Card, at Marks & Spencer
Cover text: On Your Wedding Day Inside message: Congratulations! Approx size: 230 x 114mm

Portfolio Short Sleeve Jersey Top, at Marks & Spensers
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

Wisteria Luggage Trolley Bag, at Marks & Spencers
Free 5 year guarantee Supported by sturdy wheels and a stand-alone feature, this trolley bag is the ideal option for short trips or flying abroad

The Button Detail Check Trousers, at Marks & Spencer
With a fashionable check print, eye-catching button detailing and a flattering cut, these trousers are simply a must have. Wear with heels for a leg lengthening look

3 Authentic Woven Boxers, at Marks and Spencer
Combining a soft, easycare fabric with a looser fit for ease of movement means these boxers are a fantastic choice for day to day wear

The Floral Collection Magnolia Hand Wash, at Marks & Spenser
Magnolia fragrance Handwash Moisture rich 250ml Ingredients: Aqua, Sodium Laureth Sulfate, Glycerin, Ammonium Lauryl Sulfate, Lauryl Betaine, Cocamide DEA, Magnolia Liliflora (Magnolia), PEG-70 Mango Glycerides, Sodium Chloride, Parfum, Disodium EDTA, Citric Acid, Benzophenone-2, Imidazolidinyl Urea, BHT, Magnesium Nitrate, Propylene Glycol, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, Sorbitol, Amyl Cinnamal, Benzyl Salicylate, Butylphenyl Methylpropional, Geraniol, Linalool Phenoxyethanol, Methylparaben, Butylparaben, Ethylparaben, Propylparaben, Isobutylparaben, CI 15985, CI 14700

Kitchen Corner Base Unit, at Marks & Spencer
H87.5 x W87 x D87cm Delivered flatpack due to size, some self-assembly required. Delivered boxed to your door. You will need to unpack, assemble and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Oudinot Rosé Brut Champagne NV - Case of 6, at Marks & Spenser
Style: Dry Grape variety: Pinot Noir & Pinot Meunier Country of origin: France Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

2 Piece Pure Cotton Giraffe Top & Bottoms Outfit, at Mark's & Spencer
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

Per Una Buckle Satchel Bag, at Marks & Spencer
A bold buckle makes this fashionable bag even more special. Give your look the Per Una twist!

Linen Blend Floral Embroidered Tunic with Tie, at MarksandSpencer
Stylish and versatile, this cap sleeve tunic has a fabulous floral embroidered designt and features a fashionable waist tie. An irresistible style that's just right for this season

Handcrafted Watercolour Flower in Vase Mother's Day Card, at Marks and Spencer
Cover text: Mum for you Inside message: Have a lovely time on Mother's Day Approx size: Unfolded: 178 x 126mm

Diamanté Flowers Small Gift Bag, at Mark's & Spencer
Pink spot ribbon handle Diamant detail Floral design Approx size: H160 x W160 x D90 mm

5 Pairs of Cotton Blend Sports Socks, at Marks and Spencer
Designed to cushion high impact areas, these comfortable cotton blend socks are an ideal choice for sports or PE

Autograph Pure Silk Embroidered Tie, at Marks and Spencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Sony RHT-G500 Integrated Home Theatre System, at MarksandSpencer
Designed for use with 32-40 inch BRAVIA™ LCD TVs 3.1 Channel S-Force Pro Surround with centre, left and right speakers and subwoofer built into the TV stand Audio inputs for TV, DVD and Blu-ray Disc™ - can accept sound from a wide range of sources: the TV, DVD players and satellite/cable/terrestrial digital set-top boxes. It even delivers high-definition sound from a Blu-ray Disc™ player or Playstation 3 Three HDMI inputs, compatible with the latest Full HD 1080p picture formats: connect all your video New BRAVIA Sync - perfect syncronization of BRAVIA LCD TV and home theatre with a push of a button Digital Media Port - connect your Network WALKMAN, i-Pod, mobile phone, or computer to enjoy your music through the speakers Portable Audio Enhance - enhance the sound from portable audio devices by connecting them to the HTS 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

Lullaby Bear with Blanket Comforter, at Marks and Spencer
Teddy bear with detatchable comforter blanket Contrast soles Double lined for safety Bear: H23 x W13 x L22cm Blanket: 25 x 25cm Suitable for ages 0+ This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Limited Collection Scoop Neck Stripe Top, at Marks and Spencers
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Classic Collection Mini Check Straight Leg Trousers, at Marks & Spensers
Smart and stylish, these straight leg mini check trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

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 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 Buildings 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 Buildings 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.