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

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

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 Marks and Spencers, through its M&S Money website, offer a range of financial products which would not look out of place in many banks, including M&S Motor 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.

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

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

Pure Cotton Straight Leg Multi Pocket Jeans, at MarksandSpencer
Multi pocket styling gives these jeans a modern twist. A practical and fashionable style

M&S 4GB USB Memory Stick, at Mark's & Spencer
4GB storage space Hi speed USB 2.0 compliant Plug & play compatible Capless design Requires no external power or cables Operating system: 98SE, ME, 2000, XP, Vista, OS9.X, OSX and Linux Kernel 2.4 or higher Speed: read speed max. 11 MB /s, write speed 7 MB /s Dimensions: 68 x 19.6 x 10.2mm

Taste of Chile - Case of 12, at Marks & Spencer
4 Los Nucos-Shiraz Cabernet Ros2007: A seriously fruity Chilean Ros, packed with berry flavours... 4 Los Nucos Chardonnay 2007: A vibrantly fruity and fresh Chilean chardonnay... 4 Los Nucos Cabernet Sauvignon 2006: A soft, slightly spicy Chilean red, easy-drinking in style... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Addison Nest of Tables, at Marks & Spencer
SAVE ON SETS Save at least 25% when you buy these tables as part of a set. Click here to view the Addison Collection Set. H45 x W55 x D55cm (largest table) Set of 2 Made from American Black Walnut solids and veneers, with Beech veneer on unseen faces Finished with 2 coats of durable, clear lacquer of mid sheen All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered. Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Check Shirt, at Marks and Spenser
A contemporary check print makes this cotton shirt a trend-conscious choice for fashionable boys. Stylish, practical and easycare

Pure Cotton Short Sleeve Thomas & Friends© T-Shirt, at M&S
Fans of Thomas & Friends will love this cotton t-shirt featuring Thomas. A practical, easycare style

Cross Dye Cushion, at Marks & Spencer
Square shape Stitch detail Interlined Size: 45cm x 45cm, Manufacturer: Marks & Spencer

Autograph Multi Bead Drop Earrings, at Marks & Spensers
Hook fastening Drop style Multi bead design For hygiene reasons, refunds will only be given in accordance with your legal rights

2 Big & Tall Autograph Mini Rib Hipsters, at Mark's & Spencer
Featuring the best in modern fabric and contemporary design, these luxurious hipsters feel exceptionally comfortable and give a superior fashionable fit

Revo Blok Real Wood iPod® Speaker & Docking Station, at MarksandSpencer
Hand-made real wood cabinet Machined aluminium cabinet components 40 watts (2 x 20 watts) from Class D amplifier NXT Balanced Radiator speaker technology Compatible with all iPod models Includes full feature ergonomic remote control Full range of iPod dock adaptors Acoustic Configuration: Vented box with rear-firing port tuned to 65Hz Driver Unit: 2x 4.5" NXT Balanced Radiator full-range units utilising neodymium magnet systems Frequency Response: 55Hz to 20kHz (-6dB) Max SPL: >100dB SPL at 1m Power: Continuous 20W(RMS) per channel Sensitivity: 85dB 1W, 1m (per channel)

Sprung Edge Divan with 4 Large Drawers, at Mark & Spencers
Layer of springs to provide comfort and support while prolonging the life of your mattress Solid pine frame Sprung edge 4 x large drawers All our mattresses and divans are anti-allergy, which means the provide effective protection against dust mite allergies, so you'll have a trouble free sleep H41cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Limited Collection Ponte Skinny Jeans, at Marks & Spencer
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

Machine Washable Single Pleat Trousers, at MarksandSpencer
Put an end to tiresome trips to the dry cleaners. Our range of machine washable and tumble dry suits combine the best in convenience and contemporary style

Blossom Wallpaper, at Mark's & Spencer
Floral print wallpaper Offset pattern repeat 64cm - The pattern runs diagonally across the wall, so only alternating rolls will be the same at the ceiling. Every second roll will have to be dropped by half the repeat length for the pattern to match accurately. (Also known as half-drop match) Roll dimensions: W52cm x L10m Suitable for living rooms, bedrooms, dining rooms and hallways Not suitable for bathrooms or kitchens Made in the UK and sourced from sustainable, renewable forests How many rolls do you need?Click here for our wallpaper calculator Complete your room with made to order curtains. Click here to view our range For a detailed view of the colour and pattern, please click on the image and use the zoom function. Please note that your monitor settings may affect how colours are displayed, Manufacturer: Marks & Spencer

Underwired Lace Strap Minimiser Bra, at Marks & Spensers
Reduce the visual size of your bust while maximising your support with the underwiring and added stretch of this attractive minimiser bra. A great option for everyday wear

Easy Iron Poplin Long Sleeve Shirt, at Marks and Spencer
A fuss-free shirt that makes your mornings glide - not your iron. The traditional double cuffs have a second button hole allowing sleeve adjustment for a perfect fit

Stitch Waistband Trousers, at Marks and Spencer
Greater choice of leg lengths now available These on-the-waist trousers are smart and modern with stitch detailing on the waistband adding a finishing touch

Portfolio Scoop Neck Plain 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

5 Pairs of Assorted Cotton Rich Trim Dress Socks, at MarksandSpencer
Comfortable, practical and fashionable, this 5 pack of trim dress socks is made with soft breathable cotton

Côtes du Rhône Blanc 2008 - Case of 12, at Mark's & Spencer
Grape Variety: 60% Clairette, 40% white Grenache Country of origin: France Closure: Synthetic closure Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 13% vol. Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Frill Sleeve Satin Blouse, at Marks & Spencer
This frill sleeve blouse makes a perfect way of getting the smart casual look this season. It has a pleat design and a satin finish for an extra touch of stylish chic

Mirrored Sink Unit, at Marks and Spencer
H80 x W59 x D42cm Sink and tap sold separately Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Care & Cleaning - Wipe with a soft, clean cloth This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Ravinni Chair, at Marks and Spencer
H84 x W87 x D86cm Seat H51cm Seat and back cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 Solid birch feet with an ebony finish 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 08457 624 624 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Fresh Rose Infusion Sticks, at MarksandSpencer
Glass container Long lasting infusion sticks Fresh rose scented, Manufacturer: Marks & Spencer

Animal Print Trim Bodyshaper Swimsuit, at Marks & Spensers
Modern and stylish, this stylish swimsuit shapes and smoothes your figure, giving you a flattering fit. Designed to fit and flatter

Turned Wood Table Lamp, at Marks&Spencer
Pleated shade Round base Turned wood design Bulb: 60W SES or 11W CFL H55 x Diam 23cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Satin Front Frill 3/4 Sleeve Cardigan, at Marks and Spencer
A sophisticated knitted 3/4 sleeve cardigan featuring a satin front frill detail

White Ceramic Collection Soap Dish, at Marks & Spenser
Plain Oval shape L13 x W9cm, Manufacturer: Marks & Spencer

Tonal Hexagonal Shower Curtain, at Marks and Spencer
Tonal hexagonal design, Manufacturer: Marks & Spencer

2 Per Una Clover Embroidered GG-J Bras, at Marks & Spensers
Fresh and feminine, these bras are beautifully embellished with clover embroidery. They're underwired and structured to give great support and a natural uplifted shape. Pretty everyday fashion

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 & Spenser are so useful. M&S Money financial products are, of course, designed to make Marks and Spencers 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 Money 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 Money Buildings Insurance than you will anywhere else, and you may even pay less with M&S.