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

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Mark & Spensers, 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.

Marks & Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Car Insurance, but Marks and Spenser 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 Money 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 Money loans, credit cards or Home Insurance - besides a number of other insurance products, M&S Money 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 Money insurance products (Home Insurance, Car 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 M & S insurance products in document format too.

Besides Marks & Spenser Car Insurance, M&S Money Credit Cards and other financial products, M&S Money 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 Money 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 Marks and Spencer purchases are also protected while you take them home.

Also, on both M&S Money 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.

2" Longer Pure Cotton Sateen Stripe Shirt, at Marks and Spencer
Smart and stylish, this 2" longer sleeve stripe shirt is made from pure cotton

High Impact Padded Crop Top, at Marks & Spenser
Comfortable and secure, this padded sports bra gives firm, gentle support for active wear

Pure Cotton Dora The Explorer Pleated Dress & Hat, at Marks & Spencers
Fans of Dora The Explorer will love this must-have dress and hat set featuring the popular character

Standard Outdoor Barrel, at Marks and Spencers
This square wooden barrel is packed with marguerite, elwoodi, petunia and hedera. A charming planter, ideal for brightening gardens, courtyards or patios Available for delivery from 28th April to 30th September 2009

Big And Tall Single Breasted 2 Button Jacket, at M&S
Specially proportioned for big and tall men, this single breasted jacket is designed to give a flattering, comfortable fit

Maternity Long Sleeve Empire Cardigan, at Marks n Spencer
Fashionable and modern, this long sleeve cardigan is designed to flatter you and your bump. A drawstring waist gives a neat, comfortable fit with room for growth. A practical, versatile choice

Pure Cotton Long Sleeve Stripe Shirt, at Marks and Spencers
Whether you're travelling the world or staying closer to home, our travel shirts are specially designed to keep you looking and feeling your best. Crease resistant to maintain a smart appearance, a special finish draws moisture away from the body to keep you cool while the incredibly breathable shirt fabric is woven to maximise the flow of air between the yarns

Sprung-Edge Non-storage Divan & M100 Mattress, at M&S
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190cm King Size Mattress (5ft): W150 x L200cm Super King Size Mattress (6ft): W180 x L200cm Single Divan (3ft): W90 x L190cm Double Divan (4ft 6in): W135 x L190cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): W180 x L200cm Mattress depth: 21.5cm Divan Height: 41 Mattress has dust-free polyester fibre filling Mattress Spring Count: 288 Sprung-Edge divan - can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Pure Cotton Embroidered All In One with Hat, at Marks and Spenser
A great choice for active babies, this soft cotton romper suit is comfortable and practical. A striped hat adds a cute finishing touch

Collezione Hip Wallets, at Marks & Spencer
Smart, stylish and practical, leather wallet makes it easy to organise cards, notes and coins

Craft Text Birthday Card, at Marks and Spencer
Cover text: happy birthday Inside message: blank for your own message Approx size: 230 x 114mm

Reggiano Rosso Single Estate 2008 - Case of 12, at MarksandSpencer
Style: Light bodied Grape variety: Lambrusco Country of origin: Italy Closure: Synthetic closure Suitable for vegetarians Bottle: 12 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

Playmobil Horse Washing Station Toy, at Marks and Spencer
Suitable for ages 4+ Ground space and accessories Functional horsewash station This product conforms to the EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Merano Corner Unit, at Marks and Spencer
H84 x W102 x D102cm Seat H47cm, top back rail H63cm (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 Glide feet with a dark 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

Pure Cotton Lounge Shorts, at Marks and Spencer
Create your own look by mixing and matching these pure cotton 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

Woodspice Talc for Men, at Marks & Spencers
Woodspice fragrance 200g

Per Una Double Breasted Nancy Mac, at Marks and Spencer
A fabulous double breasted mac in stretch cotton. Weave design button details give it the Per Una touch

Roberts iDream DAB/FM Clock Radio with iPod Dock, at MarksandSpencer
Dock for iPod - listen to your iPod whilst it charges DAB/FM wavebands with 20 station presets Infra red remote control Auto time set Two independent alarms - wake to iPod, radio or buzzer Adjustable Sleep and Snooze timers Large easy to read LCD display with blue display backlight and multi stage dimmer Menu display/selection of all major functions Search /Manual tuning Aux input socket for iPod/MP3 playback Headphone socket iPod not included 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

Chrome Collection Towel Holder, at Marks and Spencers
Polished finish H11.5 x W19.5 x D6cm, Manufacturer: Marks & Spencer

Pocket Core Stability, at Marks & Spencer
Train your body for better posture, strength and alignment with this pocket size guide to core stability. This book is jam packed with helpful tips, techniques & training routines that will help boost both your body's core strength and stamina

Pin Dot Padded Underwired Bra, at Marks & Spensers
Smooth and versatile, this simple bra is ideal for everyday wear. Underwiring and padding give an uplifted and enhanced natural shape

Philips HS8460 Nivea for Men Electric Shaver, at Marks and Spencer
Advanced skin protection system: Nivea for Men conditioner is dispensed through the shaving heads directly onto your skin, moisturising it while shaving. The conditioner contains Natural Microtec, which protects your skin against irritation Shave in and out of the shower: Hot water opens your pores, resulting in a close shave Soft touch contour following: Gently follows the contours of your face for a close shave, even in hard-to-reach areas Precision tube trimmer: Perfect for contouring and trimming moustache and sideburns Stretch and lift rings: The shaving heads have unique rings with a stretch and lift pattern that contributes to a great shave Refill and charge stand: After you shave, place your shaver in the refill & charge stand. Your shaver will automatically be charged and refilled with 'Nivea for Men' conditioner, preparing you for a smooth shave every day Battery status indicator Travel lock feature Anti-slip grip panel Flex tracker system

50/50 Pleated Bedset, at Marks & Spencers
Pleated design Single set includes duvet cover and 1 pillowcase Double set includes duvet cover and 2 pillowcases, Manufacturer: Marks & Spencer

Stain Defence™ Pleated Fashion Skirt, at Marks and Spenser
Smart and stylish, this fashionable skirt is treated with Stain Defence™ technology which helps repel everyday stains. The adjustable waist gives a perfectly comfortable fit for longer

Prosecco & Chocolates, at Marks & Spencer
Prosecco Raboso Ros Cocoa dusted Belgian Truffles (140g) Presentation box Glass not included Price includes delivery Available for delivery from 1st April to 30th June 2009 Looking to place a corporate bulk order? Please call 0845 6020602 You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Asti Spumante - Case of 12, at Mark's & Spencer
Style: Sweet Grape variety: Mixed White Country of origin: Italy Closure: Natural cork Bottle: 12 x 75cl. Alcohol by volume: 7.5% vol Alcohol units per bottle: 5.6 Alcohol units per 125ml: 0.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Marina 300 Waterproof Two-Way Radios, at Marks and Spenser
Waterproof up to 1 meter Dust proof and shock resistant Range up to 2 miles (3km) depending on environment and terrain Up to 8 channel combinations Backlit LCD Adjustable volume control Rechargeable Low battery warning Belt clip This product is not available for international delivery. Find out more

Baroque Jacquard Pillowcase, at Marks & Spencers
Baroque jacquard design Fits standard pillows, Manufacturer: Marks & Spencer

Collezione Mother Of Pearl Cufflinks, at Marks and Spencer
Smart and sophisticated, these cufflinks add a touch of Italian-inspired style

Panasonic 50'' TX-P50G10 Full HD Plasma TV with freesat HD, at M+S
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 50 inch plasma screen, 2,073,600 (1,920 x 1,080) pixels Contrast Ratio (in dark surroundings): Dynamic: Infinite Black/Over 2,000,000:1; Native: 40,000:1 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: W121.8 x H81.4 x D40.1cm (with stand), W121.8 x H76.9 x D10.6cm (without stand) Weight: 35kg (with stand) 32kg (without stand) V-Audio with SRS TruSurround XT: V-Audio delivers crystal-clear sound with superior bass performance while the SRS TruSurround produces enhanced surrounding effects Connectors: 3 x HDMI, 2 Scart, PC Input, S-Video, Component Video Input, Headphone Jack VIERA Superior Picture Quality: The VIERA system provides richly expressed images with enhanced contrast and deeper natural colours, thanks to the wider x.v.Colour palette Digital Cinema Colour: Superb colour reproduction with 5,1200 steps of gradation Intelligent Frame Creation With 24p Playback: With 50Hz video signal input, the Intelligent Frame Creation achieves high moving picture resolution even in fast-motion scenes. 24p Playback creates high speed playback of images to recreate the full cinematic experience SD Card Slot: View your treasured photos on the big screen by simply removing your camera's memory card and sliding it into the SD card slot VIERA Link: Enables you to control all your AV systems with only one remote Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

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