There are lots of ways to save money using M&S Money Direct. Not least of these is Marks and 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 n 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 Motor Insurance from M&S Money, you get more, and you pay less.

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

Also, on both M&S Money Direct Premier Property Insurance and Standard Property 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.

M&S Money Direct 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 Motor 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; Motor Insurance and Property 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 Property 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 Direct Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

5 Younger Girls' Pure Cotton Fairy Briefs, at Marks and Spencer
Cute and trendy, this pack of 5 cotton briefs makes a great way to stock up on essential style

Autograph Addison Side Table, at Marks & Spencer
H55 x W40 x D40cm With 1 drawer Made from American Black Walnut solids and veneers, with Beech veneer on unseen faces Finished with 2 coats of durable, clear lacquer of mid sheen Drawer pulls are solid wood due to their shape 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

Autograph Essentials V-Neck Cardigan, at Marks & Spencers
Sophisticated and modern, this v-neck cardigan has been designed for a luxurious feel and a flattering, fashionable look

Per Una Floral Lace Thong, at M & S
Feminine and delicate, this stylish thong features floral lace details. The high leg style gives a close, figure-flattering fit. Pretty everyday fashion

Collezione Exclusive Pure Wool Single Pleat Twill Trousers, at Marks&Spencer
Italian style is renowned for its attention to detail. Each collezione piece 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 these trousers to give you a feeling of luxury like no other

Philips 57'' FL7404 Full HD LCD TV, at Marks & Spencer
HD Ready 1080p: High Definition Multimedia Interface™ (HDMI) connections make your TV a multimedia centrepiece. Connect HD digital devices like disc players, game consoles, Digital Camcoder and satellite dish components into the rear connection for displaying an HD source on an HDTV Display: 57 inch LCD TV Contrast Ratios: Dynamic contrast 80,000:1 Integrated Digital and Cable Tuner Aerial Input- 75 ohm coaxial (IEC75) , Video Playback- NTSC, SECAM, PAL , DVB- DVB-T MPEG4*, DVB-C MPEG4* Tuner bands-Hyperband, S-Channel, UHF, VHF Dimensions: W126 x H77 x D12cm (without stand) , W126 x H82 x D31cm (with stand) Weight: 28kg (without stand), 32kg (with stand) Connections: 4 x HDMI , PC connectivity, USB, EasyLink (HDMI-CEC)- One touch play, Remote control pass-through, System audio control, System standby HD Natural Motion: Philips invented HD Natural Motion to eliminate juddering effects that are visible with movie-based picture content 2 x 10 W with Incredible Surround: An invisible sound system that blends perfectly with the design of the cabinet Picture enhancement: Pixel precise HD, 3/2 - 2/2 motion pull down, 3D Combfilter, Active Control + Light sensor, Digital Noise Reduction, Dynamic contrast enhancement, Luminance Transient Improver, Progressive Scan, 2D/3D noise reduction, 100 Hz LCD, HD Natural Motion Playback Formats: MP3, LPCM, JPEG Still pictures, MPEG1, MPEG2, H.264/MPEG-4 AVC Video formats: 480i, 60 Hz, 480p, 60 Hz, 576i, 50 Hz, 576p, 50 Hz, 720p, 50, 60 Hz, 1080i, 50, 60 Hz, 1080p, 24, 25, 30, 50, 60 Hz Computer formats: 640 x 480, 60 Hz, 800 x 600, 60 Hz, 1024 x 768, 60 Hz, 1280 x 1024, 60 Hz, 1360 x 768, 60 Hz, 1600 x 1200, 60 Hz, 1920 x 1080, 60 Hz Sound: 2 x 10 W (Incredible Surround, Treble and Bass Control, Nicam Stereo ) Power: 220 - 240 V, 50 Hz 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, Manufacturer: Marks & Spencer

Mandolin Grater, at Marks and Spenser
4 grating and 3 chipping stainless steel blades Vegetable and cheese holder Double extendable stands Dimensions: L42cm x W18cm x H11cm Criminal Justice Act 1988 (as amended): please note we are not permitted to sell a knife or blade to any person under the age of 18 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Long Sleeve Funnel Neck Hooded Jacket, at Marks & Spenser
Practical and fashionable, this hooded jacket is fully lined and features twin breast pockets. A comfortable, easycare style, machine washable for added convenience

Red Heart Congratulations Seed Card, at Marks and Spencers
Cover Text: Congratulations! Inside Message: Blank for your own message Approx size: 174 x 126mm

Autograph Long Sleeve Satin Stripe Shirt, at M & S
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a contemporary satin stripe design

2 Cool & Fresh Cotton Rich Sleeveless Vests, at Marks & Spencers
Comfortable, fashionable and practical, these essential vests are ideal for everyday wear

2 Classic Underwired Bra, at Mark & Spensers
Soft and comfortable Feminine and prettY Smooth and versatile, this pack of 2 underwired bras are great value. They're designed to give gentle support and a flattering fit

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

5 Pairs of Cotton Blend Sports Socks, at Marks & Spencers
Designed to cushion high impact areas, these comfortable cotton blend socks are an ideal choice for sports or PE

Pure Cotton Crochet Trim Vest Top, at M&S
A crochet trim design makes this soft cotton vest top fabulously fashionable

Sony DSC-H20 Digital Camera, at Marks and Spencer
Pixels: 10.1 megapixels Zoom: 10x optical zoom lens, up to 57x (with VGA) smart zoom, approx. 20x(Total)precision digital zoom Screen: 3 inches LCD monitor type: TFT ISO Sensitivity (REI): Auto,100, 200, 400, 800, 1600, 3200 CCD Type: Super HAD CCD Flash Mode: Auto, Forced Flash, Slow Syncro, No Flash Scene Selection: Twilight, Twilight Portrait, Twilight using a tripod, Backlight, Backlight Portrait, Landscape, Macro, Portrait Recording Media: Memory Stick™ Duo, Memory Stick PRO Duo™. Memory Stick PRO Duo™ High Speed, Memory Stick PRO-HG Duo™ (same speed as PRO Duo), Internal memory (11MB) Recording Format: JPEG, MPEG4 Battery System: Lithium G Supplied Battery: NP-BG1 Stamina (battery life) with the supplied battery(s) in normal shooting condition: 290 shots, 145min (CIPA standard with LCD screen on) Supplied Software: Picture Motion Browser Ver.4.2 (Windows only) + Music Transfer Supplied Accessories: Rechargeable battery pack (NP-BG1), Battery Charger, Multi Connector Cable, Wrist Strap, CD-ROM, Lens Cap Includes: Camera, European warranty card, quick reference guide, multi connector cable, lens cap, battery charger, instruction manual 10.1 effective megapixels resolution for very high quality imaging and detail-packed enlargements BIONZ processor delivers fast shooting responses and high-resolution images Powerful 10x optical zoom Carl Zeiss Vario-Tessar lens Optical SteadyShot image stabilization for reduced camera shake with handheld shooting, especially in low light or at high zoom settings 3-inch Clear Photo LCD Plus screen (230k dot resolution) Enhanced Smile Shutter automatically fires shutter when subject smiles: now easier to use with adjustable smile threshold Enhanced Face Detection with selectable adult/child priority high-speed subject tracking for clearer portraits. Includes Face Motion Detection and Selected Face Memory Intelligent Scene Recognition simplifies shooting by choosing best settings for difficult conditions such as twilight portraits and backlit scenes HD output to view video and still images on HD TV (requires optional cable). PhotoTV HD enhances still image viewing on compatible BRAVIA TV Dimensions: H7 x W11 x D5cm Weight: 250g (279g with accessories) 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

Autograph Stem Hurricane Lamp, at Marks&Spencer
Circular shape Glass holder Hand made Sand included Comes with candle H40 x Diam: 15.5cm Burning time: Approx: 65 hours, Manufacturer: Marks & Spencer

Cecily's Garden Foxgloves Nan Card, at Marks & Spencer
Cover Text: Happy birthday Nan Inside message: With lots of love Approx size: 230 mm x 114 mm

Bon Bon Table Lamp, at Marks and Spencer
Chrome plated steel Clear glass ball design Fabric shade H38 x Diam 18cm Suitable Light Bulb: 60W E14 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Playstation 3® Singstar® ABBA, at Marks and Spencers
Featuring 25 legendary ABBA hits Includes all the classic SingStar multiplayer modes With support for high definition music videos plus access to the SingStore. Suitable for ages 3+ Enhanced with PLAYSTATIONEye 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 This product is not available for international delivery. Find out more *Must be returned with the tamper seal intact for full refund, Platforms: PLAYSTATION 3, ESRB Rating: Everyone

Per Una Roma Cotton Rich Washed Bootleg Jeans, at Marks & Spencers
A fashionable pair of washed bootleg jeans in stretch cotton featuring a button and zip fastening

Tyrrell's Fifth Generation Shiraz 2006 - Case of 12, at M&S
Style: Dry, medium bodied Grape variety: Shiraz (Syrah) Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites This product is not available for international delivery. Find out more

Glam Girl Sticker Activity Book, at Marks & Spensers
Ever stuck for something to do? Then this fantastic book is just for you! Get busy with the colourful activities and think up creative ways to use your beautiful butterfly stickers. They can flutter their way onto gift wrap, greeting cards, invitations or accessories. Just use your imagination

10 Allium Floral Thank You Cards, at Marks and Spencer
Cover text: Thank you Inside message: blank for your own message 10 cards, 1 design Approx size: 120 x 120mm

Limited Collection Knotted Strand Necklace, at Marks & Spencer
Mixed beads Multi strand design Knoted detail

Hannah Montana Pencil Case, at Marks & Spencer
Zip fastening Hannah Montana motif Comes with Star charm Approx size: 215 x 115mm Disney

Cotton Rich Long Sleeve Hooded Jacket, at M & S
Soft and comfy, this sporty hooded jacket makes a practical and fashionable choice

Silver Plated Knot Stretch Bracelet, at Mark & Spensers
Stretch bracelet Knot design

Linen Blend Single Breasted 2 Button Jacket, at Marks & Spencers
Smart and stylish, this tailored single breasted jacket is made from a crisp, cool linen blend

Lace Detail High Rise Shorts, at Marks & Spencers
These stylish lace detail shorts are shapely and modern. Added stretch gives a comfortable, figure-flattering fit

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

• M&S Insurance: M&S Motor Insurance, M&S Property 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 & Spencers, it's easy to see that these are good financial products, at value-for-money prices.

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