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

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.

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 Mark's & 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, Sainsbury's, or Tesco:

• 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.

Bold Spot Eyelet Curtains, at Marks & Spensers
Bold spot design Eyelets Lined Comes in standard 168cm/66'' (STD) and wider 219cm/86'' (WDR) widths Also comes in three drop lengths: short (137cm/54''), medium (183cm/72''), long (229cm/90'') How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Yellow Fabric Flower Retirement Card, at M+S
Cover text: Enjoy your Retirement Inside message: With very best wishes Approx size: 215 x 152 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Pure Cotton Reversible Jigsaw Bedcover, at Marks and Spenser
Jigsaw pattern Quilted design Reversible Stitch detail, Manufacturer: Marks & Spencer

Pink Bouquet Special Nan Birthday Card, at Marks & Spenser
Cover text: To a special Nan Inside message: With love on your birthday This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 125mm

Multiway Plain Padded Bra, at Mark & Spencers
Whether you wear it strapless, cross-over or conventional, this smart bra offers the best in versatile comfort thanks to a multiway design and gently padded cups. An essential addition to any wardrobe

Autograph Pure Cotton Long Sleeve Multi Stripe Shirt, at Marks & Spencer
Stylish and contemporary, this multi stripe 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

Polka Dot Baby Doll Dress and Bag Birthday Card, at Mark & Spensers
Cover Text: Birthday Boutique Happy Birthday Inside Message: Blank for your own message Approx size: 210 x 145mm

Autograph Essentials Pure Silk Pintuck Blouse, at Marks & Spencer
Feminine and elegant, this sophisticated pure silk blouse is beautifully designed and cut for a flattering shape and features pintuck detail

Ultimate Pure Wool Single Breasted 2 Button Plain Jacket, at Marks & Spencer
This high performance suit is made to work as hard as you do. It's extra durable and added stretch keeps it in great shape while giving you enhanced comfort and ease of movement

Edmonton Footstool, at Marks and Spenser
H41 x W56 x D56cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 birch feet with a 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 service: 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Limited Collection Rio Charm Necklace, at Marks & Spensers
Clasp fastening Multiple charms Multi strand Necklace length 47.5cm, extendable by 7.5cm

Younger Girls' Bird Print Slippers, at Marks and Spenser
Round toe Bird print Single strap Bow detail Spot lining Flat sole

White Pearl Damask Wedding Guest Book, at Mark's & Spencer
Pack contains: Wedding guest book and gift box Approx size: Guest book: 210 x 290mm, Gift box: 225 x 305mm

2 GG-J Plain Underwired Bras, at Marks and Spencers
Soft and comfortable, this pack of 2 plain bras is great value. They're designed to give gentle support and a flattering fit

Parisian Chic Calendar, at Marks&Spencer
Approx. size: 225 x 390mm

Per Una Stripe Bikini Bottoms, at Marks and Spencers
A stylish low rise pair of bikini bottoms featuring a stripe print design

Easycare Long Sleeve Textured Shirt, at Marks and Spencer
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Barletta 2-Seater Sofa, at Mark's & Spencer
H85 x W200 x D98cm Seat H48cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that gives long-lasting performance and helps to maintain the cushions look and shape. Provides improved resilience without compromising on softness. Easy-care and springs back to its original shape after re-fluffing Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion 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 birch feet with a dark finish Includes 2 free matching bolsters 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 service: 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

Blue Harbour Plain Linen Rich Short Sleeve Shirt, at Marks & Spenser
Relaxed and stylish, this plain short sleeve shirt is outstanding value!

Sprung-Edge Non-storage Divan & F200 Mattress, at Marks & Spencers
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190cm King Size Mattress (5ft): W150 x L200cm Super King Size Mattress (6ft): W180 x L200cm Single Divan (3ft): W90 x L190cm Double Divan (4ft 6in): W135 x L190cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): W180 x L200cm Mattress depth: 24cm Divan Height: 41cm Individually pocketed springs Deep layer of memory foam Mattress Spring Count: 930 Sprung-Edge divan - can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Perfect Limited Collection Almond Toe Court Shoes, at Marks and Spencer
Almond toe Court style Stitch detail Mid heel Heel height: 64mm Comes in sizes 3-8, including half sizes

Ernst Loosen Erdener Treppchen Riesling Kabinett 2008 - Case of 6, at Marks and Spencer
Style: Medium sweet Grape variety: Riesling Country of origin: Germany Closure: Screw cap Bottle: 6 x 75cl. Alcohol volume: 10% vol. Alcohol units per bottle: 7.5 Alcohol units per 125ml: 1.3 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 Luxury Pure Cotton Bold Stripe Shirt, at Mark's & Spencer
Soft, comfortable and very stylish, this luxury shirt is made with fantastic attention to detail

Organic Cotton Fashion Eco Bag, at Marks&Spencer
Shop greener by using this organic cotton shopper instead of plastic carriers. The illustration was commissioned from eminent fashion illustrator David Downton, making this bag a must-have stylish accessory

Autograph Luxury Linen Blend Vertical Stripe Shirt, at Marks & Spencer
Smart and refined, this vertical stripe shirt is part of an exclusive range of beautiful garments, available only in our top stores and online. It's made from superfine yarn so it feels luxuriously smooth. Designed for a stylish contemporary look and great fit

No VPL Spot Print Shorts, at Marks & Spenser
VPL is a thing of the past! These stretchy shorts are perfectly smooth and give the ultimate no-show look. They don't dig in and there are no irritating labels, so they feel incredibly comfortable to wear

Adored Modal Blend Floral Nightdress, at Marks and Spenser
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

Fred Bear Lovely Birthday Card, at Marks & Spencer
Cover text: Have a Lovely Birthday Inside message: With lots of love Approx. size: 215 x 150mm

Handmade Letters Husband Birthday Card, at Marks and Spencer
Cover text: To my fabulous husband Inside text: Happy birthday Approx size: Unfolded: 230 x 114mm

Abbot Chair, at Marks and Spencer
H78 x W76 x D78cm Seat H43cm, arm H71cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 birch feet with a medium dark finish All of our fabrics are treated with Stain-Defence& trade; - 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 service: 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

When you're shopping at Marks and Spencers 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 Money. Offering everything from savings accounts and credit cards, to Buildings Insurance and Car Insurance, there's a lot more going on at Marks and Spenser than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Money. 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 Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Money 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."