There are lots of ways to save money using M&S Money Direct. Not least of these is M&S Standard Car Insurance. With M&S Money Direct 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 Direct, 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 Money, you get more, and you pay less.

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

Also, on both M&S Money Direct Premier House Insurance and Standard House 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.

Shopping for financial products at M&S Money Direct UK website is just as simple as shopping for fashion or furniture at the Marks & Spencer online store. Here are just some of the financial products which can be purchased via the M&S Money Direct 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 Marks and Spenser, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Money Direct in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Money Direct website.

Leather Formal Gun Metal Buckle Belt, at M&S
Add a smart finishing touch with this leather belt

Large Rose & Lily Bouquet Bundle with 50% Extra Roses Free, at Marks & Spencer
Receive 50% extra roses free on orders until 22nd August 2009 An elegant combination of stunning oriental lilies, roses, sweet akito with red top cordyline with 50% more blooms than the Rose and Lily bouquet. A vase and free 310g luxury Belgian chocolates make this an extra special giftAvailable for delivery between 1st April to 30th September 2009

Diamanté Wreath Brooch, at Marks & Spensers
Wreath design Diamant detail Pin fastening

Blue Harbour Plain Swimming Shorts, at Marks and Spencer
A great value pair of shorts offering a secure fit, while multiple pockets should come in handy for that relaxing walk on the beach

Jemima Puddleduck Soft Toy, at M+S
Suitable for ages 0-3 years Approx 25cm This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Dinosaur Walkie Talkies, at Mark's & Spencer
Suitable for age 3-6 years Imaginative play Range of 30metres 210 x 95 x 155mm, Manufacturer: Marks & Spencer

3/4 Sleeve Brushed Stripe Top, at Marks and Spencer
This fashionable soft top features stylish stripe design for a fresh modern look

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

Perfect Autograph Pure Cotton Straight Leg Jeans, at Marks and Spenser
Straightforward jeans at a no-nonsense price. The straight fit and modern styling make them a wardrobe must-have

Short Sleeve Eyelet Embroidered Top with Silk, at Marks & Spencer
This scoop neck top is a casual style essential. Perfect for mixing and matching with trousers or skirts

Ultimate Non-Iron Royal Oxford Short Sleeve Shirt, at Marks&Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Leather Contrast Stitch Lace-Up Trainers, at Mark's & Spencer
Round toe Contrast stitch detail Lace-up Flat sole

Command & Conquer 3: Tiberium Wars PC Game, at Marks & Spencer
March, 2047. A massive nuclear fireball explodes high in the night sky, marking the dramatic beginning to the Third Tiberium War and long-awaited return of the most groundbreaking Real-time Strategy franchise (RTS) of all timeYou must be 16 years of age or over to purchase this product The critically-acclaimed Command & Conquer (C&C) series returns with Command & Conquer 3 Tiberium Wars (C&C 3). Setting the standard for the future of RTS gaming once more, C&C 3 takes you back to where it all began the Tiberium Universe

Autograph Ascari Bedstead - King Size (5ft), at Marks & Spensers
H107 x W248 x D162cm Underbed: H12cm (all dimensions are approximate) Scroll bedhead Hand tied button detail Mattress sold separately 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 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 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

Embossed Floral Flourish Your Anniversary Card, at Marks and Spencer
Cover text: On your anniversary Inside message: Blank for your own message Approx size: 150 x 150mm

Portfolio Paint Splash Tunic, at Marks and Spencers
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

Silver Plated Ridge Design Photo Frame 13 x 18cm (5 x 7''), at Marks and Spencers
Rectangle shape Ridge design Aperture: 13 x 18cm (5 x 7''), Manufacturer: Marks & Spencer

De Martino Colluvia Syrah 2007 - Case of 6, at Marks and Spencer
Style: Dry, Full bodied Grape variety: Syrah (Shiraz), Cabernet Sauvignon Country of origin: Chile Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

White Floral Thank You Multipack of 8 Cards, at Marks and Spencer
Cover text: Thank you Inside message: Blank for your own message Pack contains: 8 cards, 1 design Approx size: 120 x 120mm

Small Cheetah Soft Toy, at Marks and Spencers
Suitable for ages 0-3yrs H15cm This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Single Breasted Wool Blend 3 Button Slim Fit Pinstripe Jacket, at Mark & Spensers
Slim fit suits are cut closer for a cleaner sharper silhouette. Designed in a contemporary style, they give a longer, leaner appearance and a flattering fit

2 Pure Cotton Assorted Stripe Joggers, at Marks & Spencer
Comfortable enough for crawling or napping in, these soft cotton joggers are a practical and fashionable choice

Autograph 3 Piece Pure Cotton Jeans 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

5 Luxury Pure Cotton Patterned Handkerchiefs, at M&S
A great value pack of pure cotton handkerchiefs

Planted Orchid, at Mark's & Spencer
Simply stunning, this white, double-stemmed phalaenopsis orchid is planted and dressed with brushed twigs in a chic, silver ceramic pot Available for delivery from 1st April to 30th September 2009

Lightweight Floral Print Scarf, at Marks and Spenser
Add a fashionable finishing touch to your look with this elegant floral printed scarf. The perfect accessory to this season's styles

Power Rangers Jungle Storm Activity Pad, at Marks and Spenser
Join forces with the awesome Power Rangers and complete the mega-cool activities inside this book. Have a great time cracking codes, finding your way through mazes and colouring in all of your favourite Power Rangers. Get ready to join in the fight to save the world from evil!

Owl Pramsuit, at Marks & Spencers
Cute and cosy, this hooded pramsuit is warmly padded and lined with soft cotton to keep him comfortable

Gold Finish Wood Photo Frame 20 x 25cm (8 x 10"), at Mark & Spensers
Rectangular frame Pine wood border Gold finish Aperture: 20 x 25cm (8x10") Dimension: H30.5 x W38.1 x D2.7cm, Manufacturer: Marks & Spencer

Autograph Older Boys Diamond Check Tie, 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

M&S Money Direct 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 Money Direct 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 Mark's & 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 Money Direct UK and European Breakdown Cover, since it covers you as a passenger too.