There are lots of ways to save money using M+S Money. Not least of these is Marks & Spenser 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 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 Motor Insurance from Marks & Spencers Money, you get more, and you pay less.

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

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 House 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 House 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.

Blue Harbour Pure Lambswool Zip Neck Argyle Jumper, at Marks & Spenser
An extremely comfortable zip neck argyle jumper. It's made from extra fine lambswool which is spun for the softest feel. Conveniently, it can be machine washed and tumble dried and it resists bobbling

125 Years Tea Mug, at Mark & Spencers
Retro style Part of the Commemorative Collection, Manufacturer: Marks & Spencer

Blue Harbour Large Grid Short Sleeve Shirt, at Marks and Spencer
Stylishly smart casual, this comfortable shirt looks great dressed up or down

Pure Cotton All Over Print Hooded Jacket, at Marks & Spencer
Relaxed and comfortable, this fashionable hooded jacket is made from soft cotton and features an all over print detail. A practical easycare style

Autograph Pure Cotton Butterfly Embroidered Top, at Marks & Spencers
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

Strappy Lace Front Vest, at Marks and Spencer
Pretty and feminine, this strappy vest features a lace front design. The soft fabric gives a comfortable flattering fit

Limited Collection Double Buckle Strap Shoes, at Marks & Spencer
Round toe Double buckle strap fastening Stitch detail Mid heel Heel height: 35mm Comes in sizes 3-8, including half sizes

Cotton Rich Large Spot First Bra & Knickers Set, at Marks & Spensers
This pretty spot print bra is designed for a supportive and comfortable fit. The non-wired design is the best choice for first bras

Collezione Diamanté Weave Cufflinks, at Marks&Spencer
Smart and sophisticated, these cufflinks add a touch of Italian-inspired style

Pure Linen Turn Up Cropped Trousers, at Marks and Spenser
Fresh and fashionable, these linen below-the-knee trousers look chic with wedges, sandals or flat pumps. Contrast stitch details add an extra touch of style

Autograph Square Porcelain Toilet Brush, at Marks & Spencer
H21 x W10 x D10cm Chrome handle Stripe design at the base Modern square design, Manufacturer: Marks & Spencer

Groovy Birthday Dotty Daisy Birthday Card, at MarksandSpencer
Cover text: Groovy Birthday Inside message: Have a fab day! Approx size: 150 x 150mm

Compton Coffee & Side Table Set, at Marks and Spenser
Coffee table: H44.5 x L90 x W90cm Side table: H57 x W50 x D57cm Coffee table has fixed shelf Side table has a drawer Made from White Oak solids and veneers Hand distressed, with the distressing aged with dark patina Mid-brown stained finish, followed by 2 coats of durable, clear lacquer of low sheen Drawer fronts and boxes made with solid hardwood. Draw bottoms made with oak veneer Solid hardwood legs Side panels, door panels, back panels made from oak veneer. Top panels made from oak veneer with a solid oak edging for strength Handles made of solid antiqued brass 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

5 Pairs of Cotton Rich Contrast Heel & Toe Socks, at Marks and Spencers
Hardwearing and comfortable, these cotton rich socks are an ideal choice for school

Mirror Blocks Photo Frame 20 x 25cm (8 x 10"), at Marks and Spencer
Rectangular shape Polished finish Aperture: 8 x 10", Manufacturer: Marks & Spencer

Gold Finish Wood Photo Frame 10 x 15cm (4 x 6"), at Marks and Spencers
Rectangle shape Pine wood border Gold finish Aperture: 10 x 15cm (4 x 6") Dimensions: H19.1 x W24.2 x D2.7cm, Manufacturer: Marks & Spencer

4 Beef Wellingtons, at Marks & Spencer
Serves 4 Ready to cook Suitable for freezing 980g As featured on page 35in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Blue Harbour Luxury Cotton Rich Straight Leg Fade Resist Jeans, at M&S
These luxury jeans have a crease resist and anti-fade finish so even the darker colours stay true for longer. With added comfort stretch and fade and crease resistant fabric you will stay smart and comfortable all day long.

Pure Cotton Floral Printed Lightweight Scarf, at Marks & Spenser
This sophisticated floral print scarf is the perfect accessory to this season's fashions

Gold Plated Sparkle Floral Ring, at Marks and Spencers
Gold plated Cluster design

Flock Leaf Pencil Pleat Curtains, at Marks and Spencer
Manufacturer: Marks & Spencer

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

Montsant Old Vines Garnacha 2005 - Case of 6, at Marks and Spenser
Style: Full bodied Grape variety: Garnacha Country of origin: Spain Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Adored Modal Blend Floral Nightdress, at Mark's & Spencer
Stylish and elegant, these flattering nightdress are part of our feminine Adored collection. They're made from a soft cotton blend for the ultimate in comfort

Compton Media Unit, at Marks & Spencers
H50 x W127 x D45cm Shelf dimensions: H14 x W48 x D40cm 2 adjustable shelves Made from White Oak solids and veneers Hand distressed, with the distressing aged with dark patina Mid-brown stained finish, followed by 2 coats of durable, clear lacquer of low sheen Solid hardwood legs Side panels, door panels, back panels made from oak veneer. Top panels made from oak veneer with a solid oak edging for strength 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

Vantage Point Blu-ray DVD, at Marks & Spensers
Rating Suitable for 12 years and over,

Fruity-Beauty Bath Pick 'n' Mix Pack, at Marks & Spencers
Pack of 10 Assorted fragrances

Blue Harbour Linen Blend Short Sleeve Shirt, at MarksandSpencer
Relaxed casual style for less! This cotton and linen shirt is outstanding value

Pure Silk Embroidered Spot Tie, at Marks & Spencer
Add a luxurious finishing touch with this contemporary embroidered spot tie in pure silk

Blue Harbour Pure Cotton Stripe V-Neck Jumper, at Marks & Spenser
Relaxed and casual, this stripe v-neck jumper is made from pure cotton. It's designed to keep its shape and feel soft and comfortable to wear

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 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 Mark & 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 House Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.