There are lots of ways to save money using M&S Money Direct. Not least of these is Mark's & Spencer Standard Motor Insurance. With M&S Money Direct 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 Direct, 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 Direct, you get more, and you pay less.

M&S Money Direct offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor 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 Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Money Direct Motor Insurance is not like that at all, and when you compare M&S Motor 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 n Spencer 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsbury's, or Tesco Direct:

• 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 Motor 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 Direct UK and European Breakdown Cover, since it covers you as a passenger too.

Besides Marks & Spenser Motor Insurance, M&S Money Direct Credit Cards and other financial products, M&S Money Direct 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 Money Direct 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 and Spencers purchases are also protected while you take them home.

Also, on both M&S Money Direct 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.

Beef Wellington, at Marks and Spencers
Serves 4-6 Ready to cook 1.3kg As featured on page 35 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

Humorous Photo Valentine Card, at Marks and Spencers
Cover text: To my Valentine... It was Bob's 'selective' deafness that kept the relationship so strong over all the years! Inside message: Valentine... Please grow old with me, The best is surely yet to be! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Low Rise Stripe Lace Trim Thong, at Marks and Spenser
Perfect for wearing under tight-fitting clothing, this lacy thong won't give you any visible panty lines. It's comfortable and flattering, and the low rise style is ideal for wearing under hipsters

Hepworth Bookcase, at Marks&Spencer
H167 x W80 x D44cm 2 fixed toughened-glass shelves Cupboard with 1 adjustable shelf Brass detailing Made from European Birch solids and veneers Treated with a rich stain and aged with dark patina known as a 'housemaid's rub' Finished with 2 coats of durable, clear lacquer of mid sheen Door frames made with solid European Birch. Door panels are veneered Solid European Birch legs Side panels, door panels and back panels are veneered. Top panel is veneered with solid birch 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

Firm Control Sheer Floral Waist Cincher, at Marks and Spencer
Look slimmer in seconds! These firm control knickers gently flatten tummies for a sleeker, slimmer silhouette

Wool Rich Sleeveless Asymmetric Dress, at Marks and Spencer
Luxurious and elegant, this smartly tailored asymmetric dress is part of our exclusive Autograph range

M&S 1GB Micro SD Memory Card, at Marks and Spencer
Compatible with digital devices with a microSD card slot Read (MB /s): 10MB Write (MB /s): 3MB Available capacity: 970MB 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

2 Machine Washable Apollo Ties, at Marks and Spencer
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

Classic Collection Straight Leg Trousers, at Mark's & Spencer
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

Classic Straw Hat, at Marks & Spensers
Keep your cool in this straw sun hat, a summer and holiday essential

2 Limited Collection Cotton Rich Low Rise Shorts, at Marks and Spenser
Fabulous and modern, these shorts are part of our Limited Collection lingerie. Theyre made from soft stretch cotton and designed to fit and flatter. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Per Una Pleat Detail Bowler Bag with Corsage, at Marks and Spencers
Pleat detail and rose corsage makes this fashionable bag even more special. Give your look the Per Una twist!

Per Una Short Sleeve Ruffle Jersey Top, at Marks & Spencers
A feminine short sleeve top featuring a ruffle front design

Footglove™ Widefit Leather Dolly Shoes, at MarksandSpencer
Round toe Buckle fastening Mid heel Stitch detail Heel height: 52mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Autograph Loretto 2 Left-Hand Chaise & Coffee Table/Footstool Set, at Marks & Spencers
3 piece set - 2 chaise longue and 1 combination Coffee Table/Footstoolfootstool Coffee Table/Footstool has a removeable top cushion. Can be used as a footstool or a coffee table All-weather synthetic rattan Silver-effect rattan Quick drying foam seat pad in 100% polyester Chaise dimensions: H62 x W200 x D97.5cm, seat H30.5cm Coffee Table/Footstool dimensions: H30.5 x W80.5 x L80.5cm Suitable for indoor or outdoor use *Save 30% when you buy this set. Individually 2047. Save 648. Cannot be used in conjunction with any other offer This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Big & Tall Single Pleat Fine Herringbone Trousers, at Marks and Spencer
No more trips to the drycleaners! These smart, fashionable trousers are machine washable. Perfectly proportioned for big and tall men

Collezione Leather Hip Wallet, at Marks & Spencer
Smart, stylish and practical, this leather wallet makes it easy to organise cards, notes and coins

Windsor Wardrobe, at Marks & Spencer
H195 x W102 x D60cm 1 hanging rail and 1 shelf Made from from solid pine Finished with low sheen lacquer for added durability 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 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

3 Older Girls' Cotton Rich Frill Trim Bikini Briefs, at Marks and Spenser
Cute and trendy, this 3 pack of cotton rich bikini briefs feature frill trim and assorted designs

Per Una Cotton Rich Hooded Dressing Gown, at Marks & Spenser
Modern and feminine, this pretty hooded dressing gown is made from soft cotton rich fabric so you can relax in comfort and style. Part of Per Una's sleepwear collection

Classic Collection Twig Embroidered Wedge Mule Slippers, at Marks and Spencers
Mule style Wedge heel Round toe Twig embroidered detail

Stain Defence™ Non-Iron Trousers With Stormwear™, at M & S
These trousers are treated with Stain Defence™ and Stormwear™ technologies, so they repel water and stains. They're non-iron for convenience - for best results, machine wash, tumble dry and hang straight away

Pure Cotton Varied Stripe Cardigan, at Marks and Spencers
Soft and comfy, this long sleeve cardgian is made from pure cotton and features a varied stripe design. A fashionable easycare style

Basket Weave Cufflinks, at Marks and Spencer
Add a smart finishing touch with these basket weave cufflinks

Reader's Digest - The Most Amazing Places On Britain's Coast, at Marks and Spenser
A unique guide to more than 1000 captivating and curious locations

PlayStation®2 Singstar Abba, at Marks and Spencer
For ages 3+ Sing along to Abba Download new songs via the SingStore Upload your video performances with My SingStar Online 2007 Sony Computer Entertainment Europe 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, ESRB Rating: Kids to Adults

3 Enamel Diamanté Photo Frames 5 x 8cm (2 x 3''), at Marks and Spencer
Diamant detail Beaded trim Aperture: 5 x 8cm (2 x 3''), Manufacturer: Marks & Spencer

Clasp Fastening Mixed Charm Bracelet, at Marks & Spenser
Clasp fastening Adjustable length Mixed charms

3 Pairs of Older Boys' Cotton Rich Assorted Chunky Knit Socks, at Marks & Spenser
Comfortable, practical and fashionable, this 3 pack of chunky knit socks are made with soft breathable cotton

Quick Dry Towel, at Marks & Spencer
This quick dry towel is made from a highly absorbent material, whilst its compact size allows you to take it with you on all of your travels

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 & Spensers 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 Marks & Spencer, through its M&S Money Direct website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Buildings Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.