There are lots of ways to save money using M&S Financial Services. Not least of these is MarksandSpencer 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 M+S, 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 Marks & Spencers Money, you get more, and you pay less.

When you're shopping at Mark's & Spencer 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 Household Insurance and Motor Insurance, there's a lot more going on at M+S 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."

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&Spencer are so useful. M&S Financial Services financial products are, of course, designed to make Marks and Spencers 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, Household Insurance policies. Usually, UK Household 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 Household 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 Household Insurance than you will anywhere else, and you may even pay less with M&S.

Per Una Pure Cotton Floral Print Nightdress, at Marks and Spencer
Modern and feminine, this pretty nightdress is made from soft cotton so you can relax in comfort and style. Part of Per Una's sleepwear collection

Handcrafted 3D Butterfly Mother's Day Card, at Marks & Spenser
Cover text: With love on Mother's Day Inside message: Blank for your own message Approx size: Unfolded: 150 x 150mm

Peppa Pig's Little Library, at Marks and Spenser
Six delightful mini Peppa storybooks in a slipcase. The six books together make a jigsaw.

Hannah Montana Rockin' Sticker Activity Book, at M+S
Have you ever wondered what kind of superstar you could be? Well now you can take the awesome superstar quiz inside and find out! There are also puzzles, fun facts, party ideas and much, much more! The rocking Hannah Montana badges are also a fantastic addition to the clothes and bags of any fashion-conscious Hannah Montana fan!

5 Pure Cotton Plain Slips, at Marks & Spencers
Comfortable, practical and fashionable, this 5 pack of plain slips is made from soft breathable cotton

Pure Cotton Thin Straps Centre Bow Vest, at Marks & Spenser
Pretty and feminine, this centre bow vest is made from soft breathable cotton for a comfortable night's sleep

Pure Cotton 3/4 Sleeve Stripe Jumper, at Marks & Spencers
Contemporary and casual, this stripe jumper is made from pure natural cotton and features a v-neck for a fashionable look

'It's a Boy!' Gift Bag with Balloon & Bear, at Marks & Spencer
Celebrate the birth of a baby boy with this lovely gift bag that includes pretty pink, yellow and blue blooms. A congratulations balloon and teddy bear makes this gift bag extra special Available for delivery from 1st April to 30th September 2009

Floral Short Sleeve Frill Blouse, at M&S
A fabulous round open neck blouse featuring a ruffle front and floral detail. The tie belt make it extra stylish

Beatrix Potter Wrap Pack, at Marks and Spenser
Pack contains: 2 sheets, 2 tags Each sheet: 495 x 695 mm Tags: 80 x 55 mm (folded) Frederick Warne & Co Limited 2008

Construction Set, at M&S
Suitable for ages 3-6 years 5 construction vehicles Includes a die cast dumper truck, excavator, crane, bulldozer and a digger Imaginative play This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Autograph Pure Cashmere Windowpane Scarf, at M & S
Indulge in a touch of stylish luxury! This beautiful scarf is woven from pure cashmere and feels wonderfully soft and warm

Footglove™ Leather Widefit Shoes, at Marks and Spencer
Square toe Contrast stitch detail Slip-on Heel height 78mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Old School Sunglasses, at Marks & Spencer
Providing essential protection for the eyes, these stylish and wearable shades will flatter most face shapes

Daughter Sequin Shoes Birthday Card, at Marks and Spenser
Cover text: Birthday Wishes to a Wonderful Daughter Inside message: With lots of love on your birthday Approx size: 175 x 125mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Leather Multi Colour Loop Belt, at M+S
This leather notched belt is ideal for wearing with casual styles

Formula Age Repair Firming Day Cream SPF 15 + Ceramide, at Marks and Spencer
Contains ceramide and apple Especially formulated for mature skin Fine lines and wrinkles appear reduced Hypoallergenic 50ml

Chocolate Flared Bud Vase, at Marks and Spencer
Tall neck Broad base Made from glass Chocolate finish effect Handmade, Manufacturer: Marks & Spencer

Leather Mock Zebra Purse, at Marks and Spencer
This stylish purse is made from real leather with reinforced stitching and a secure zip fastening. A high quality and chic essential

Janisson & Fils Champagne - Case of 6, at M&S
Grape variety: Pinot Noir, Chardonnay and Pinot Meunier Country of origin: France Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Younger Boys' Pure Cotton Mr Happy Hooded Poncho, at MarksandSpencer
He'll have fun dressing up in this hooded Mr Happy costume poncho

When We're Together Book, at M & S
Being together is fireside cuddles, it's magical stories we share, it's hearing the rain pitter-pat on the windows, squish-squashed in our favourite chair. The hare family know that being together is about sharing special moments with family and friends. From lively adventure to quiet cuddles, these shared experiences bring pleasure and joy to all

Easy Iron Pure Cotton Oxford Honeycomb Shirt, at Marks & Spencer
Stylish and innovative, this pure cotton easycare shirt is quick and easy to iron for a smart crisp look

Easycare Poplin Short Sleeve Shirt, at Marks and Spencers
This comfortable shirt is so easy to care for; it can be washed and worn regularly while keeping a pristine appearance

Autograph Leather Lace-Up Gibson Shoes, at Marks and Spencer
Round toe Lace-up Contrast stitch Low heel

Formula Age Restructure™ Day Cream and Calcium Complex, at Marks and Spenser
Luxuriously rich cream for the 60+ complexion Calcium complex to firm and improve the structure of sagging skin Collageneer a lupin extract to strengthen the dermis and improve skin elasticity Wild yam to replenish and soothe Creatine to revitalise fatigued skin Shea butter and rosehip oil to nourish and replenish SPF 20 against damaging UVA and UVB rays Suitable for all skin types Hypoallergenic 50ml

Wool Blend Flat Front Straight Leg Trousers, at Marks & Spensers
Smart and stylish, these trousers are made from a hardwearing wool blend with added stretch. An ideal choice for work or everyday wear

Pure Cotton Contrast Trim Pyjama Top, at MarksandSpencer
Pretty and feminine, this short sleeve pyjama top is made from soft breathable cotton for a comfortable night's sleep

Connoisseur Chocolate Rose Cake, at Mark & Spensers
Serves 25 Chocolate cake: a rich chocolate cake filled with milk chocolate ganache. Chocolate cakes can be eaten up to 5 days after collection Contains alcohol - Grand Marnier liqueur Cake size: Diam 25cm 1.7kg Not suitable for nut allergy sufferers Suitable for vegetarians As featured on page 67 of the Food to Order brochure Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

Fairtrade Organic Cotton Plain Dye Fitted Sheet, at Marks and Spencer
Threadcount: 180 Single (3ft): L190 x W91cm Double (4ft 6in): L190 x W137 cm King (5ft): L200 x W152cm Super-King (6ft): L220 x W183cm Depth: 25cm Easy care finish for easier ironing Available in duvet cover, fitted sheet, flat sheet and pillowcase, Manufacturer: Marks & Spencer

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

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

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