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

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks & 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 Car Insurance from M+S Money, you get more, and you pay less.

Besides Marks & Spencer Car Insurance, M&S Finance Credit Cards and other financial products, M&S Finance 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 Finance 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 & Spensers purchases are also protected while you take them home.

Also, on both M&S Finance 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.

Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the Mark's & Spencer online store. Here are just some of the financial products which can be purchased via the M&S Finance website:

• M&S Insurance: M&S Car Insurance, M&S Buildings Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks n Spencer, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Finance in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Finance website.

Pink Butterfly Large Gift Bag, at Marks and Spencer
Pack Contains: 1 gift bag Approx Size: H: 420 mm, W: 300 mm, D: 100 mm

Wallace and Gromit Calendar, at Marks & Spensers
Dimensions: 225 x 390mm and ™Aardman Animations Ltd. All rights reserved

Soft Vanilla Scented Spheres, at Marks and Spencers
Vanilla scented spheres, Manufacturer: Marks & Spencer

Woven Flap Purse, at Mark & Spensers
Fashionable and practical, this purse is a useful accessory with bags of style!

Cotton Rich Scoop Neck Vest, at Marks and Spencer
Stylish and practical, this sleeveless vest makes an ideal choice for everyday wear. The cotton fabric gives a comfortable flattering fit

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

Uco Valley Pinot Grigio 2008 - Case of 12, at Marks & Spencers
Style: Dry Grape variety: Pinot Grigio Country of origin: Argentina 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

Fenton Armchair, at MarksandSpencer
H90 x W96 x D103cm Seat H51cm, arm H60cm, top back rail H76cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Back cushions made from polyester fibre Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid hardwood feet with dark finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more Free swatch samples: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

White Ceramic Collection Soap Dispenser, at Marks n Spencer
Pump action H20 x Diam 10cm, Manufacturer: Marks & Spencer

Multi Hanger Washing Line, at Marks and Spencer
Hanger design Multiple pegs

Autograph Modal Blend Short Sleeve Henley Neck Top, at Marks and Spencers
Whether you're heading for bed or relaxing at home, this comfortable modal blend pyjama top is great for chilling out in style. Mix and match with our pyjama bottoms

Younger Boys' Lizard Sunglasses, at Marks and Spencers
Fashionable and fab, these lizard sunglasses give 100% UV protection for safer style in the sun

Spot Print Dome Umbrella, at Marks and Spenser
This stylish umbrella features a wide canopy for extra protection from the elements, keeping you drier

2 Piece Pure Cotton Giraffe Top & Bottoms Outfit, at Marks and Spenser
Fun and practical, this cute 2-piece outfit features a giraffe print. It's made from soft pure cotton to keep him comfy. Part of our fabulously stylish Limited Collection

Pure Cotton 3/4 Sleeve Denim Shirt, at Marks & Spencers
Casual and contemporary, this denim shirt is made from cool comfortable cotton and features popper fastening

2 Big & Tall Autograph Mini Rib Hipsters, at M&S
Featuring the best in modern fabric and contemporary design, these luxurious hipsters feel exceptionally comfortable and give a superior fashionable fit

Perfect Pure Cotton Lightweight Stripe Jersey Scarf, at Marks & Spensers
This sophisticated lightweight jersey scarf is the perfect accessory to this season's fashions. The stripe design adds a stylish finishing touch

Autograph Pure Cashmere Knitted Cowl Neck Poncho, at Mark's & Spencer
Wrap up warm in fashionable style with this pure cashmere poncho. The contemporary design looks great over this season's fashions, or wear with jeans and boots

Leather Stitch Detail Square Roller Buckle Belt, at Marks n Spencer
This leather roller buckle belt is ideal for wearing with casual styles

Autograph Pure Cotton Long Sleeve Stripe Shirt, at Marks & Spencer
Stylish and contemporary, this pure cotton long sleeve shirt is part of our luxurious Autograph collection. The fabric has been created exclusively for us to tie in with this season's key looks, so you won't find it anywhere else

Ultra Fit Plain Sport Briefs, at Marks and Spencer
These innovative Ultra Fit Sport briefs 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

Chateau de la Charriere Savigny-Les-Beaune 2005 - Case of 6, at Marks & Spensers
Style: Dry Grape variety: Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Chrome Collection Towel Holder, at Marks & Spencer
Polished finish H11.5 x W19.5 x D6cm, Manufacturer: Marks & Spencer

Gold Plated Multi Strand Necklace & Earring Set, at Marks and Spenser
2 part set Stud earrings Clasp fastening multi strand beads necklace Necklace lenght 41cm, extentable by 8cm For hygiene reasons, refunds will only be given in accordance with your legal rights

Perfect Cotton Rich Circle Print Top, at Marks & Spensers
A bold print tee looks great with plain dark trousers, or wear it under a suit for a splash of pattern and colour

Per Una Detachable Faux Fur Hooded Parka, at Marks & Spenser
A cosy funnel neck jacket featuring a detachable faux fur hood.

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

Tapestry Cushion With Recycled Filling, at Mark & Spencers
Square shape Corner tassels Size: 50cm x 50cm, Manufacturer: Marks & Spencer

North Coast Pure Cotton Check Shirt, at Marks n Spencer
Stylishly smart casual, this dobby check shirt is made from pure cotton so it feels soft and comfortable to wear

Limited Collection Angel Wings Necklace, at Marks&Spencer
Clasp fastening Adjustable length Angel wings pendant Fine chain Necklace length: 45cm, extendable by 8cm

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 Finance financial products are, of course, designed to make Marks & Spenser 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 Finance 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 Finance Buildings Insurance than you will anywhere else, and you may even pay less with M&S.