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

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks and Spencers, 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 M+S 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 Spencer are so useful. M&S Financial Services financial products are, of course, designed to make Marks & 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 & Contents Insurance policies. Usually, UK Buildings & Contents 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 & Contents 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 & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Besides Mark's & Spencer Motor Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Buildings & Contents 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 & Contents Insurance and Standard Buildings & Contents 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.

Sonoma Extending Dining Table, at Marks & Spencer
H75 x W180 x D100cm Extends to L230cm Seats 6-8 people Made from solid oak and oak veneer Centre leaf can be stored beneath the table top This range features natural wood characteristics - knots, figuring, and subtle colour variations Finished with 2 coats of durable, clear lacquer of low sheen Top panel is veneered with solid oak edging for strength Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Delivered flatpack due to size. 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 SAVE ON SETS Save at least 25% when you buy these chairs as part of a set. Click here to view the Sonoma Collection Set. , Manufacturer: Marks & Spencer

Facet Pod Stretch Bracelet, at Marks & Spencer
Wide style Stretch fit Facet pod design

5 Assorted Heart Shorts, at Marks & Spencer
Low rise shorts are perfect for wearing with hipster styles and these funky heart outline detail shorts are shapely and modern. Added stretch gives a comfortable, flattering fit

Classic Selection Platter, at Marks and Spencers
30 quarters Serves 6-8 Ready to eat 5 different sandwich fillings As featured on page 6 in the food to order brochure Order by 5pm to collect in 2 days Available for collection in the majority of our UK mainland stores

Leather Contrast Stitch Purse, at Marks n Spencer
This stylish purse is made from real leather with reinforced stitching and a secure popper fastening. A high quality and chic essential

Younger Girls' Floral Buckle Belt, at MarksandSpencer
Fun and fashionable, this floral buckle belt adds a stylish finishing touch

Chocolate Chrome Droplet Chandelier, at Marks and Spencer
5-arm design Chocolate finish Multi-faceted glass droplets H 98 x Diam 48cm Bulb: 5 x 60W E14 candle This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

M&S Home Office Suite with Anti-Virus Software, at Mark & Spensers
Pack includes: Word processor Spreadsheets Presentation Database Draw photo album Anti-virus security package This product is not available for international delivery. Find out more 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

Georgian Antique-Silver Effect Bedstead, at Marks and Spencer
Headboard H136cm Endboard H105cm Sgl L195 x W96cm Dbl L195 x W145cm 5ft L216 x W160cm 6ft: L216 x W189cm Antique-silver effect Sprung slats for support and comfort, Mattress sold separately Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item 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

Long Sleeve Wide Ribbed Thermal Vest, at Marks and Spenser
Keep warm and comfortable in this soft thermal top. Designed to add a cosy extra layer without feeling bulky

Per Una Dandy Floral Print Panel Dress, at Mark's & Spencer
A stylish floral print dress in soft fabric featuring a panel design

Autograph Light Control Guipure Mesh Briefs, at Marks and Spencer
Look slimmer in seconds! These light control knickers gently flatten tummies for a sleeker, slimmer silhouette

5 Pure Cotton Plain Slips, at Mark's & Spencer
Comfortable, practical and fashionable, this 5 pack of slips is made from soft breathable cotton

Pure Cotton Long Sleeve Little Miss Super Girls Top, at Marks & Spencer
Fans of Mr Men will love this short sleeve cotton t-shirt featuring Little Miss Super Girls. A practical, easycare style

Fresh Fruit Platter with Extra Thick Channel Island Double Cream, at Marks & Spencers
Serves 8 Ready to eat Suitable for nut allergy sufferers Cream: 227ml Fruit: 745g As featured on page 53 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Pure Linen Pull On Hat, at Marks and Spencer
Keep your cool in this linen sun hat, a summer and holiday essential

Sunshine Basket, at Mark & Spencers
Bring the bright, sunny hues of a summer garden inside with this collection of sunflowers complemented by gorgeous bi-colour roses and lush foliage Available for delivery from 1st July to 30th September 2009

Fresh Rose Scented Candle, at Marks and Spencers
Fresh rose scent Burns upto 45 hours Tinted glass holder, Manufacturer: Marks & Spencer

Formula Calming Cleanser, at Marks and Spenser
Chamomile to calm Allantoin to soothe Especially formulated for sensitive skins Suitable for all skin types Hypoallergenic, fragrance free 200ml

Albany Dinner Plate, at Marks & Spensers
Ideal for everyday use, durable Plain Diameter 27 cm, Manufacturer: Marks & Spencer

Autograph Wool Blend Single Breasted 2 Button Pinstripe Jacket, at Marks & Spenser
Luxurious and elegant, this smartly tailored wool blend jacket is part of our exclusive Autograph range

2 Pure Cotton Butterfly Polo Shirts, at MarksandSpencer
This great value 2-pack is made from pure cotton, a natural choice for schoolwear. They feature flower-shaped buttons and an embroidered butterfly on the pocket

Golf Range Finder, at Mark & Spensers
A useful tool in practice sessions for calculating the distance to the flag from your current position. You can use this information to help choose the club you need to use. The range finder measurers in yards and metres and has a field of 9.30 wide angle

Gold Hearts Table Confetti, at Marks n Spencer
Pack Contains: 20g approx

Autograph Essentials Puff Sleeve Top with Silk, at Marks and Spencers
Part of the Autograph Essentials collection, this puff sleeve top will make a useful addition to your wardrobe. It features a round neck for a stylish casual look

Autograph Pure Cashmere Scoop Neck Jumper, at M & S
Sophisticated and modern, this scoop neck jumper is made from pure cashmere for the ultimate in luxurious softness

Nostalgic Photo Nana Birthday Card, at Marks and Spencer
Cover text: To a wonderful nana Inside message: Happy Birthday Approx size: 175 x 125mm

North Coast Pure Cotton Zip Funnel Neck Jumper, at Marks & Spencer
Relaxed and casual, this knitted zip funnel neck jumper is made from pure cotton. It's designed to keep its shape and feel soft and comfortable to wear

Pure Linen Turn-Up Sleeve Pintuck Blouse, at Marks and Spencers
Chic and modern, this turn-up sleeve blouse is made from cool crisp linen and features front pintuck detail

Ceriso DD-G Underwired Animal Print Bra, at Mark's & Spencer
Gorgeously feminine, this modern bra features an animal print and is finished with a lace trim. It's underwired and structured to give fuller busts great support and a flattering uplifted shape. Designed for women who want the latest look

When you're shopping at Marks & Spensers online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M&S Financial Services. Offering everything from savings accounts and credit cards, to Buildings & Contents Insurance and Motor Insurance, there's a lot more going on at Marks & Spenser than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Financial Services. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M&S Financial Services, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Financial Services website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."