There are lots of ways to save money using M+S Money. Not least of these is Mark's & 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 Financial Services, 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 Spencer 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.

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 Car 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; Car Insurance and Buildings 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 Buildings 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.

Easycare Long Sleeve Satin Stripe Shirt, at Mark's & Spencer
Woven in a no-fuss easycare fabric, long sleeves and double button cuffs add a smart focus to your office look. A practical and convenient choice for everyday wear

Low Back Bra Extender, at Marks & Spensers
Make your bra backless with this clever bra extender. Ideal for wearing under low backed tops and dresses

Perfect Wool Blend Double Breasted Belted Coat, at Marks & Spencers
Military detailing is still one of this season's main style stories. This belted, funnel neck coat really works the look

Pure New Wool Single Breasted 2 Button Twill Jacket, at Marks and Spencer
Beautifully tailored and finished with careful attention to detail, this luxurious jacket is made from pure new wool

Autograph Sport Eau de Toilette, at Mark & Spensers
Sporty fragrance 30ml This product is not available for international delivery. Find out more

Cross Dye Stitch Detail Cushion, at Marks & Spenser
Square shape Stitch detail Interlined Dimension: L45 x W45cm, Manufacturer: Marks & Spencer

Ed Lady Shopping List, at Marks & Spencers
Contents: 1 magnetic shopping list (approx. 30 sheets of paper), 1 black ink pen (non refillable) The Country Diary of an Edwardian Lady Rowena Scott (Designs) Ltd RW.UK. Ltd 2008. Licensed by opyrights Group Approx. Size: 130 x 260mm

New Arrival Birds New Baby Card, at Mark & Spensers
Cover text: New arrival Inside message: Blank for your own message Approx size: Unfolded: 150 x 150mm

Autograph Pure Cotton Necklace Print Top, at Marks & Spencer
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

Autograph Weekend Cotton Rich Kickflare Jeans, at M+S
These Autograph Weekend kickflare jeans are cut for a fabulously flattering look. This contemporary style is essential for an effortless weekend wardrobe. Added stretch ensures a comfortable fit

Open Toe Microtowelling Wedge Slippers, at Marks and Spencers
Open toe Wedge heel Microtowelling design Plain

Rose & Lily Bouquet, at Marks & Spencer
An elegant combination of stunning Oriental Lilies and white and pink Roses, complimented by lush tropical foliage Available for delivery from 1st April to 30th September 2009

Collezione Single Breasted Funnel Neck Parka, at Marks & Spenser
Elegantly stylish and meticulously finished, this funnel neck parka is inspired by sophisticated Italian fashions

Per Una 3 Piece Bolero & Vest Set, at Marks and Spenser
A fashionable 3/4 sleeve bolero featuring a matching vest and added scarf

Green Floral Quilted Bedcover, at Marks and Spencer
Quilted design Floral embroiderey, Manufacturer: Marks & Spencer

Large Glass Candle Holder, at Mark's & Spencer
Multi layered stem Faceted Wide base Dimensions: H32cm, Manufacturer: Marks & Spencer

Limited Collection Quilted Belt, at Mark's & Spencer
Define your waistline with this fashionable quilted belt

M&S 1.5m High Performance Gold HDMI Cable, at Marks and Spencer
1.5 metre cable 24 carat gold connections Titanium-plated plugs Multiple shielding for minimum interference Suitable for high definition devices 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

Nubuck Leather Belts, at Marks & Spencer
This leather nubuck finish belt is ideal for wearing with casual styles

Hastings 10-Drawer Chest, at Marks & Spensers
H94 x W159 x D44cm 10 drawers Crafted predominantly from solid pine and fibreboard 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

Pure Wool Shaggy Rug, at Marks and Spencer
Rectangular shape Shaggy Plain, Manufacturer: Marks & Spencer

St Chinian Syrah des Garrigues 2005 - Case of 6, at M&S
Style: Full bodied Grape variety: Syrah Country of origin: France 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

De Saint Gall Blanc de Blancs Premier Cru Brut Champagne - Case of 6, at M & S
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Slim Leg Double Button Fastening Trousers, at Marks n Spencer
Slim and stylish, these trousers are cut to fit and flatter for a sleek modern look. The double button fastening adds a fashionable update

Pure Cotton Cargo Trousers, at Marks & Spencer
Casual and relaxed, these stylish pure cotton cargo trousers are so comfortable and easy to wear. An effortless contemporary look that's fashionable, practical and easycare

Patent Faux Crocodile Skin Belt, at Mark & Spencers
Define your waistline with this fashionable patent faux crocodile skin belt

Collezione Single Breasted 3 Button Stripe Jacket, at Marks and Spencer
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

Blue Harbour Pure Cotton Grid Check Shirt, at Marks and Spencer
Get set for summer with this pure cotton grid check shirt. Team it with jeans and sandals for a laidback look

JBL SoundSticks II Audio Speaker System, at Marks & Spensers
Speaker system: 3-piece plug and play multimedia speaker system Styling: Stunning, original design with great sound Equalisation: Features computer-optimized multi-band parametric equalization Touch control: Capacitance touch control buttons provide direct access to volume control Output: 20 Watts RMS subwoofer power output Dimensions: 41 x 51 x 31cm Weight: 499g 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

Glacier Necklace & Earrings Set, at Marks&Spencer
2 piece set Hook fastening drop style earrings Clasp fastening mixed bead necklace

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 Marks and Spencer 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.