There are lots of ways to save money using M+S Money. Not least of these is Marks&Spencer 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 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 Finance, 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 and Spencers 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 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 Car 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.

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 Money financial products are, of course, designed to make Mark & 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, 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.

Elasticated Check Belt, at M&S
Define your waistline with this fashionable check belt

Pearl Clam Vanity Purse, at Marks and Spenser
Pearl Calm design Bead puller Two inner zip sections Detachable mirror

Pure Cotton Bold Stripe Pyjamas, at Marks&Spencer
Contemporary and fashionable, these pure cotton pyjamas make the perfect choice for relaxing in style and comfort

DeLonghi Icona Kettle - Silver, at MarksandSpencer
1.7 litre capacity Rapid boil 3kW cordless kettle Stylish silver finish 360 swivel base with cord storage Water level indicator Auto shut-off when water begins to boil Removable, washable scale filter Cord storage Non slip feet This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Easy Risotto Recipe Book, at Marks & Spencers
Deliciously rich and wonderfully creamy risotto is a feast for all the senses. Whether you're looking for a simple dinner for two or an impressive dish to serve to friends, risotto is the perfect choice for any occasion. Once you've mastered the basic recipie, you will never be more than half an hour away from a fabulous storecupboard supper. Take your tastebuds into new culinary territory with these enticing recipes.

Nintendo Wii™ Console with Sonic and The Black Knight & Monopoly Games Bundle, at Marks and Spencers
Includes Wii™ console with wireless Wii Remote and Wii Nunchuk, Monopoly and Sonic and The Black Knight Sonic and The Black Knight: Sonic returns to the Wii to take a wild ride through the storybook world of Camelot in his all-new adventure Sonic and the Black Knight Monopoly: Celebrating over 70 years of family fun, the legendary property trading game Monopoly is hitting Wii in a whole new way! Access online Wii™ Channel for news, weather, photo viewing, message boards and more Built-in Wi-Fi access for easy connection to Nintendo Wi-Fi Connection gaming service Completely backward compatible, all the way to the NES of the 1980s Fully compatible with GameCube games Supports up to 4 GameCube controllers 2 slots for Nintendo GameCube Memory Cards Plays two disc formats in a single, self-loading media bay Comes with A/V cable and UK power adapter Features a processing chip from IBM and a graphics chip from ATI

125 Years Luxury Pure Wool Flat Front Trousers, at Marks and Spenser
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

Fudge the Dog Multipack of Mini Cards, at M & S
Cover text: design 1 - thank you, design 2 - hello there, design 3 - thank you, design 4 - with love Inside message: blank for your own message 8 cards, 4 designs Approx size: 95 x 80mm

Padded Multiway Bra, at MarksandSpencer
Everyone's skin tone is different, so after some research into skin tones we've come up with Body Nudes, a range of flattering shades to suit everyone. Body Nudes is soft and comfy with no visible lumps or bumps, so you can be sure your clothes will look their best

The Incredible Hulk Blu-ray DVD, at M&S
Rating Suitable for 12 years and over,

Square Neck Hexagon Print Top, at Mark's & Spencer
Smart and stylish, this square neck top features a colourful hexagon print. A sophisticated new look, perfect for this season

Per Una Elasticated Waist Belt, at Mark's & Spencer
A bold buckle makes this fashionable belt even more special. Add a stylish finishing touch from Per Una

Bow Slipper Boots, at Marks & Spencer
Round toe Suede-effect Faux fur lining and trim Side tie detail Flat sole

Collezione Pure Linen Flat Front Plain Trousers, at Marks & Spencers
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, Inspired by Italian flair, we've lavished time and care on these trousers to give you a feeling of luxury like no other

Autograph Essentials Funnel Neck Coat, at M+S
A stylish mid-length coat is perfect for a modern look you can wear every day. This machine washable version features a flattering, single breasted design and funnel neck

Pure Cotton Stripe Short Sleeve T-Shirt, at Marks n Spencer
A practical, casual top in pure cotton featuring a stripe design. A great value easycare style

7 Fresh Feet Stripe Socks with Silver Technology, at Mark's & Spencer
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

Per Una Pure Cotton Long Sleeve Stripe Pyjamas, at Marks & Spencer
Modern and feminine, these pretty stripe pyjamas are made from soft pure cotton. So you can relax in comfort and style. Part of Per Una's sleepwear collection

Bamboo Cotton Blend Striped Dressing Gown, at Marks and Spencer
A great option for evening snuggling, this surprisingly soft bamboo blend dressing gown features two handy front pockets and a practical waist tie

Nintendo Wii™ Big Brain Academy Game, at Marks and Spencer
Student records keep track of your achievements and create a profile that others can play against when you are not there. You can even send your student record to a friend via WiiConnect24 Play alongside or against up to 7 friends as you find out who deserves to be top of the class! 3 modes of play: Brain Quiz, Mental Marathon and Mind Sprint Simple controls mean anyone can play straight away - to play, all you need to do is use the Wii Remote to point at the correct answer on your TV, leaving you to focus on the challenges that await at the Academy Category: edutainment, health and fitness Multiplayer mode: simultaneous Players: 1-8 Age rating: 3+ 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 *Must be returned with the tamper seal intact for full refund, ESRB Rating: Kids to Adults

Single Breasted 1 Button Chevron Dart Jacket, at Mark & Spencers
Chic and stylish, this jacket is tailored to fit and flatter. A great choice for work or smart occasions and it's machine washable for added convenience

Autograph Styled Embroidered Padded Bra, at Marks & Spenser
Stunningly stylish this padded bra features floral embroidery. The demi-cup style is ideal for wearing with low necklines and the gentle padding and underwiring give a flattering shape. Beautiful exclusive lingerie

Samsung 55'' LE55B650 TV HD Ready LCD Crystal TV™, at Marks & Spensers
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 55 inch LCD screen, 1920 x 1080 resolution Dynamic contrast ratio: Ultra Contrast Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: W131 x D30.8 x H89.4cm (with stand), W131 x D7.9 x H84.1cm (without stand) Weight: 37.2kg (with stand), 28.8kg (without stand) SRS TruSurround HD: SRS Trusurround HD & Dolby Digital Plus Connectors: 3 x HDMI , 2 x scart, 1 x RF Input, 1 x component, 1 x PC input, 1 x digital audio (Optical), Headphone jack DNIe+ Technology: The Digital Natural Image Engine produces images with incredible depth and density. Advanced contrast and detail enhancers combine to produce deeper richer lifelike colours Wide Colour Enhancer 2: Primary colours are strengthened to increase depth and intensity to show pictures in all their natural beauty Clear Panel Prevents glare to keep images clean and clear Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

3 Classic Pure Cotton Plain Briefs, at Marks & Spencers
Easy to care for cotton and a classic cut ensures these comfy briefs are a staple part of any underwear drawer

Fairtrade Organic Cotton Animal Sleepbag, at Marks n Spencer
Look below to see a video clip about FairtradeThis cute sleepbag is made from soft, comfy Fairtrade cotton. We buy the cotton at a fair price from small-scale farmers around the world. The extra income raised enables them to invest in their own communities, like providing wells for clean water and improving healthcare facilities

2 Bali Slat-Back Dining Chairs, at Marks & Spencers
H103 x W47 x D52cm Seat H47.5cm Seat pads sold separately Sold as a pair This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

125 Years Shopping List, at Mark's & Spencer
1 magnetic shopping list (approx. 30 sheets of paper) 1 black ink pen (non refillable) Approx size: 134 x 257mm

Fairy Cakes Niece Birthday Card, at Marks & Spencer
Fairy cake design Cover text: Sweet birthday wishes... To a wonderful Niece! Inside message: Blank for your own message Approx size: 230 x 114mm

Nail Treatment Pens, at Marks and Spencer
Cuticle softener pen with natural oils to hydrate and soothe your cuticles. Apply daily to the cuticle bed Nail nourishment pen with natural oils, aloe vera and vitamins A, C and E to strengthen your nails while maintaining flexibility and resistance to breaking. Apply daily to the nail surface Nail polish corrector pen angled tips instantly remove dry nail polish to achieve a professional finish. Extra tips can be used as spares or interchanged to prevent colour transfer

Secret Support™ Check Moccasin Slippers, at Marks and Spencer
Round toe Check design Flat sole Comes in sizes 3-8

M+S Money 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 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 & Spencers 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, Sainsburys, or Tescos:

• 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 UK and European Breakdown Cover, since it covers you as a passenger too.