There are lots of ways to save money using M+S Money. Not least of these is Marks&Spencer 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 n 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 Financial Services, 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 Marks&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 & Spencer, 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 Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

M+S Money 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 Property 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 Property 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 Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Big & Tall Ultimate Pure Wool 2 Button Plain Jacket, at Marks & Spencers
Specially proportioned for big and tall men, this single breasted suit is designed to give a flattering, comfortable fit

Malabar Extending Dining Table & 6 Leather Chairs Set, at Marks&Spencer
Table: H76 x L180 x W100cm (extends to L230cm) Comes with an extension leaf stored beneath the table Table seats 6-8 Made from solid mango wood Features characteristics of handmade furniture with colour variations, knots and figuring Chairs: H101 x W47 x D55cm Vertical slat back chairs with leather upholstered seat Chairs made from solid wood for strength Treated with a protective low-sheen lacquer that provides added durability 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 manufacturer's instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sun Formula Protect & Refine Facial Sun Lotion, at Marks & Spencer
Helps to prevent the signs of aging Powerful antioxidant complex Anti-wrinkle Anti-aging Prevention of age spots Australian formula 12 hour moisturisation SPF50 gives up to 50 times your natural skins protection 50ml This product is not available for international delivery. Find out more

Per Una 3/4 Sleeve Floral Longline Tunic, at Marks & Spencers
A fashionable 3/4 sleeve tunic featuring a floral print and ruched detail

Small Valentine Gift Bag, at Marks & Spencers
Contains: 1 gift bag with tag Approx size: H160 x W160 x D90mm

Autograph Puccini 2 Seater Sofa, at Marks & Spencer
H66 x W166 x D80cm Seat H22.5cm Aluminium frame Suitable for all-weather use Includes plain seat pad Handwoven synthetic rattan This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Silk Woven Square Grid Dot Tie, at Marks and Spenser
Add a luxurious finishing touch with this contemporary square grid dot tie in pure silk

Signature Lemon Grass & Bamboo Scented Filled Candle, at Marks & Spencer
Glass holder Lemon grass and bamboo fragrance, Manufacturer: Marks & Spencer

3/4 Sleeve Scoop Neck Top, at Marks & Spencer
This pleated scoop neck top is a casual style essential. Perfect for mixing and matching with trousers or skirts

Maxim Large Gravy Boat with Saucer, at Marks & Spenser
Plain white porcelain Suitable for everyday use 1.5 litre capacity L16 x W21.5cm, Manufacturer: Marks & Spencer

Younger Girls' Dip Dye Sunglasses, at Marks & Spencer
Cute and colourful, these dip dye sunglasses will give her a touch of star style!

Champagne, Chocolate & Rose Hamper, at Marks and Spencer
An indulgent basket of goodies that will make anyone feel on top of the world: includes a bottle of champagne, a box of luxury belgian chocolates and a gift-wrapped cream rose plant Available for delivery from 1st April to 30th September 2009

Linen Blend Sleeveless Oblong Cardigan, at Mark's & Spencer
Contemporary and casual, this waterfall cardigan is made with cool comfortable linen and features open front for a fashionable look

Divan Sets - M400Z+L 4 DRW SUE, at Marks & Spenser
Manufacturer: Marks & Spencer

Sister Foil Presents Birthday Card, at M & S
Cover text: To my sister Happy birthday Inside message: Blank for your own message Approx size: 150 x 150mm

Blue Harbour Ultimate Pure Linen Stripe Shirt, at Marks and Spencers
Relaxed and stylish, this long sleeve stripe shirt is cut for a great fit. It's made from pure linen so it feels cool and comfortable to wear Only available in XXXL

Everyday Spot Mesh Underwired Bra, at Marks & Spencer
Soft and comfortable, this spot mesh bra is ideal for everyday wear. Underwiring and padding give an uplifted and enhanced natural shape

Stylish Text Our Anniversary Card, at Marks and Spenser
Cover text: With love on our Anniversary Inside message: Blank for your own message Approx size: 220 x 220mm

Pure Cotton °Climate Control Retro Plaid Trilby, at Marks & Spencers
Climate control keeps you cool when you're hot and warms you up when you're cold so you're always at your optimum temperature. Exclusive to M&S, Climate control clothing is comfortable and breathable - ideal for sportswear. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology. Perfect!

Per Una Roma Bootleg Belted Jeans, at Marks & Spenser
A stylish bootleg pair of jeans in stretch cotton featuring an on the waist design. Comes with a silver plated belt, making it extra stylish

Blossom Wallpaper, at Marks & Spencers
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

Faux Crocodile Skin Double Handle Bag, at Marks and Spencer
Stylish and useful, this double handle bag features faux crocodile skin. A practical and fashionable accessory

Handcrafted Hey Mum Scruffy Dog Mother's Day Card, at Marks & Spencers
Cover text: Hey Mum... Inside message: Today, and every Mother's Day, n all the years to come, there's Just one thing for me to say, "I really love you mum!" Approx size: Unfolded: 220 x 220mm

Nail Polish Remover Pads, at Marks and Spenser
Gentle non-acetone formula to remove nail polish Contains 30 pads This product is not available for international delivery. Find out more

Per Una A-Line Applique Skirt, at Marks and Spencer
A fashionable a-line skirt featuring applique and bead detail

Perfect Autograph Silk Rich Padded Pleat Bra, at Marks & Spencer
Enjoy the luxurious feel of soft, smooth silk next to your skin. The moulded, padded bra gives a perfect shape while the matching shorts are effortlessly elegant

Per Una Speziale Long Wear Nail Polish, at Mark's & Spencer
Long wear nail polish Chip resistant Up to 5 days wear 9ml This product is not available for international delivery. Find out more

Per Una Pure Linen Safari Palm Belted Dress, at Marks and Spencer
A beautiful calf length dress in pure cool linen featuring a safari palm leaf print and comes with a belt

V-Neck Plain Jumper, at Mark's & Spencer
Soft and comfy, this warm knitted plain jumper is outstanding value. A fashionable easycare style

Collezione 2 Button Suedette Jacket, at MarksandSpencer
A suedette finish adds a luxuriously soft sheen to this smart casual jacket. Inspired by the natural understated elegance of Italian style, the single breasted design offers a slim and contemporary silhouette

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