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

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

M&S Financial Services 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 Financial Services 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 M & S 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 Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.

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 Financial Services financial products are, of course, designed to make Mark's & Spencer 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 Financial Services 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 Financial Services Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

Mix Bead Long Necklace, at Marks & Spencer
Clasp fastening Adjustable length Mix bead design Necklace length 92cm, extendable by 8cm

Mixed Bead Rope Necklace, at Marks and Spencer
Long length Mixed beads Clasp fastening Necklace length: 98cm

10 Personalise Your Own Pink Heart Place Cards, at M+S
Pack contains: 10 cards, 1 design Approx size: Flat: 90 x 90mm, Folded: 45 x 90mm The cards in this pack are made with material from FSC certified sustainable forests

Autograph Tassel Necklace Made with CRYSTALLIZED™ - Swarovski Elements, at Marks and Spencer
Clasp fastening Adjustable length Tassel design Made with CRYSTALLIZED™ - Swarovski Elements Necklace length 41cm, extendable by 8cm

Serene Bouquet, at Marks & Spencers
An exquisite display of white blooms including Hydrangea, Alstroemeria, Lilies and Roses, beautifully backed by mixed foilage Available for delivery between 1st April to 30th September 2009

Elipse Collection - Floor Lamp, at Marks & Spenser
Oval shade Split stem Square base 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 , Manufacturer: Marks & Spencer

Casa Cadaval Estate Vinha Padre Pedro 2006 - Case of 12, at Marks & Spencers
Style: Medium bodied Grape variety: Mixed Red Country of origin: Portugal Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Blue Harbour Cotton Rich Funnel Neck Parka, at Marks & Spencers
A contemporary design and funnel neck makes this parka a fashionable choice

Classic Collection Spot Print Nightdress, at Marks and Spencer
Fresh and feminine, this button fastened long nightdress is comfortable to sleep in and features a pretty floral embroidered design

Autograph Pure Linen Abstract Animal Print Scarf, at Marks & Spencer
Luxurious, fashionable and elegant, this pure linen scarf features an abstract animal print and tasselled ends

Pure Cotton Lightweight Flap Pocket Chinos, at Marks & Spensers
A great smart casual look for summer, these flap pocket chinos are made from soft cotton and offer a comfortable, relaxed fit

Pure Cotton 3/4 Sleeve Stripe Top, at Marks and Spencers
For casual elegance, you can't beat this stripe crew neck top. A great value cotton essential

Half Frame Reading Glasses, at Mark's & Spencer
Comes in +1.25 to +3.0 strengths Magnifying lenses aid close work and reading Half frame design

Blue Harbour Pure Cotton Short Sleeve T-Shirt, at Marks and Spencers
Casual and relaxed, this short sleeve t-shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Autograph Ultimate Wear Nail Polish, at Marks and Spencers
Quick-drying Glossy 9ml This product is not available for international delivery. Find out more

Collezione Exclusive Pure Cashmere Herringbone Jacket, at Marks & Spencers
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Collezione Pure Wool Single Pleated Trousers, at M&S
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care to give you a feeling of luxury like no other

Maxim Butter Dish, at Marks & Spensers
Suitable for everyday use Pure white porcelain Versatile fine dining range L18 x W14.5cm, Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Variated Stripe Polo Shirt, at Marks and Spencer
A stylish smart-casual look, this short sleeve polo shirt in soft cotton features a stripe design. Practical, comfortable and easycare

Ingredients Top To Toe Regime, at M&S
Pack of 7 Assorted fragrance Shea Nut Bath Cream Ingredients: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, Polysorbate 20, Sodium Chloride, PEG-18 Glyceryl Oleate/Cocoate, Parfum, Sodium Styrene/Acrylates Copolymer, Benzophenone-3, Disodium EDTA, Sodium Sheabutteramphoacetate, Polyquaternium-39, Triethylene Glycol, Benzyl Alcohol, Propylene Glycol, Glycerin, Alcohol Denat, Sodium Lauryl Sulphate, Citric Acid, Magnesium Nitrate, Methylchloroisothiazolinone, Methylparaben, Magnesium Chloride, Caramel, M Pomegranate Bath Essence Ingredients: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, PEG-18 Glyceryl Oleate/Cocoate, Sodium Chloride, Laureth-4, Polysorbate 20, Limonene, Parfum, Benzophenone-3, Disodium EDTA, Alcohol Denat, Glycerin, Triethylene Glycol, Benzyl Alcohol, Linalool, Propylene Glycol, Punica Granatum (Pomegranate Extract), PEG-40 Hydrogenated Castor Oil, Trideceth-9, Magnesium Nitrate, Methylchloroisothiazolinone, Magnesium Chloride, Sodium Benzoate, Tocopherol, Lactic Acid, Potassium Sorbate, Methylisothiazolinone, CI 15985, CI 17200, CI 42090 Lemon Shower Cream Ingredients: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, Polysorbate 20, PEG-18 Glyceryl Oleate/Cocoate, Sodium Chloride, Laureth-4, Parfum, Benzophenone-3, Limonene, Citral, Sodium Styrene/Acrylates Copolymer, Disodium EDTA, Linalool, Polyquaternium-39, Benzyl Alcohol, Triethylene Glycol, Citronellol, Geraniol, Benzyl Benzoate, Hexyl Cinnamal, Propylene Glycol, Citric Acid, Alcohol Denat., Citrus Medica Limonum (Lemon Oil), Sodium Lauryl Sulfate, Magnesium Nitrate, Methylparaben, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, Propylparaben, CI 15985, CI 19140 Coconut Body Polish Ingredients: Aqua, Ethylhexyl Palmitate, Cetearyl Alcohol, Cyclomethicone, Glycerin, Glyceryl Stearate, Polysorbate 60, Phenoxyethanol, Cocos Nucifera (Coconut Shell), Parfum, PEG-100 Stearate, Sodium Carbomer, Methylparaben, Disodium EDTA, Xanthan Gum, Benzyl Salicylate, Butylparaben, Ethylparaben, Coumarin, Propylparaben, Isobutylparaben Almond Hand & Body Cream Ingredients: Ingredients: Aqua, C12-15 Alkyl Benzoate, Cetearyl Alcohol, Cyclomethicone, Glycerin, Glyceryl Stearate, Polysorbate 60, Prunus Dulcis (Almond Oil), Phenoxyethanol, PEG-100 Stearate, Sodium Carbomer, Parfum, Methylparaben, Disodium EDTA, Xanthan Gum, Hexyl Cinnamal, Butylparaben, Ethylparaben, Benzyl Benzoate, Linalool, Butylphenyl Methylpropional, Alcohol Denat., Limonene, Propylparaben, Isobutylparaben, Caramel, CI 15985, CI 19140 Fig Bath Tablet Ingredients: Sodium Bicarbonate, Citric Acid, Sucrose, Tapioca Starch, Sodium Chloride, Parfum, CI73360, CI 42090 Lime & Bergamot Shower Cream Ingredients: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, Polysorbate 20, PEG-18 Glyceryl Oleate/Cocoate, Sodium Chloride, Laureth-4, Parfum, Sodium Styrene/Acrylates Copolymer, Benzophenone-3, Disodium EDTA, Limonene, Linalool, Citrus Aurantium Dulcis Oil, Polyquaternium-39, Citrus Aurantium Bergamia Oil (Bergamot Oil), Triethylene Glycol, Benzyl Alcohol, Propylene Glycol, Alcohol Denat., Citric Acid, Sodium Lauryl Sulfate, Litsea Cubeba Berry Oil, Citrus Aurantifolia Oil (Lime Oil), Magnesium Nitrate, Methylparaben, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, Propylparaben, CI 19140, CI 42090

Adored Modal Blend Minishirt, at Marks & Spensers
Stylish and elegant, this flattering nightdress is part of our feminine Adored collection. It's made from a soft modal blend for the ultimate in comfort

Ultra Fit Plain Sport Trunks, at Mark's & Spencer
These innovative Ultra Fit Sport trunks keep you dry and fresh. The technology is built in so it will always work as effectively no matter how many times you wash them. Soft fabric with 8-way stretch gives maximum comfort and support. Ideal for sports wear and the gym, comfy enough for relaxed everyday wear

Duck Egg Leaf Damask Quilt, at Marks & Spensers
L250 x W265cm Leaf jacquard design, Manufacturer: Marks & Spencer

Recycled Compact Umbrella, at Mark's & Spencer
A practical and eco friendly choice, this compact umbrella is made from polyester from recycled plastic waste instead of oil. Using recycled materials helps to conserve the earth's natural resources and protect the environment for future generations

Cut About Stripe Long Length Skirt, at Mark's & Spencer
Elegant and feminine, this A line skirt features a cut about stripe print and panel design. Stylish, practical and fashionable

Photo Floral Grandma Birthday Card, at Marks and Spencer
Cover text: To a Special Grandma Inside message: Blank for your own message Approx size: 178 x 126mm

Big & Tall Flat Front Wool Blend Trousers, at Marks and Spencers
Smart and stylish, these trousers are made from a hardwearing wool blend with stretch. Perfectly proportioned for big and tall men

Sleeveless Active Performance Vest, at Marks & Spensers
Ideal for active wear, this Performance vest incorporates moisture management technology. The high-performance fabric draws moisture away from the skin to the surface, keeping you drier. Designed for a great fit and essential ease of movement.

Autograph Occasions Animal Disc Headpiece, at Marks and Spencer
Sophisticated and glamorous, this bow and feather headpiece is sure to turn heads!

Pure Cotton Stripe Hooded Cardigan, at Marks & Spencers
Soft and comfy, this stripe hooded cardigan is made from pure cotton and features a zip fastening. A fashionable easycare style

Besides Marks & Spenser Car Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services 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 Financial Services 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 Financial Services 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.