There are lots of ways to save money using M&S Finance. Not least of these is Marks & Spensers Standard Car Insurance. With M&S Finance 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 Finance, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car 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 Car Insurance from M&S Money Direct, you get more, and you pay less.

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

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 & Spencers 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 M&S, through its M&S Finance website, offer a range of financial products which would not look out of place in many banks, including M&S Car 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.

Limited Edition Midas Touch Bangles, at MarksandSpencer
7 bangles Assorted design Slide on

Shiny Nail Kit, at Marks & Spencer
Nail wax nourishes and adds lustre Traditional chamois buffer quickly achieves a long lasting shine White pencil brightens your nail tips Used regularly it will encourage your nails to grow stronger and longer

Happy Birthday Cupcake Card, at Marks and Spencers
Cover text: Happy Birthday Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Per Una Short Sleeve Balinese Tunic, at Marks & Spencer
A colourful printed tunic with a front and back v-neck featuring waist tie and comes with a camisole

Sony Bravia 20'' KDL-20B4050 Portable HD Ready LCD TV, at Marks & Spencer
HD Ready: Enjoy clearer, sharper and more vibrant images with this 'High Definition' ready TV. Perfect for the display of High Definition signals, i.e PlayStation3, Blu-ray Disc™ etc. Display: 20 inch LCD, Display Resolution: 1366 x 768 pixels Contrast: On screen contrast; 700:1. Dynamic contrast; 5000:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: W51.6 x H37.3 x D12.4cm (with table stand) Weight: 7.5kg (including stand) Surround Sound Effect: BBE ViVA high quality sound and built-in Virtual Dolby creating the effect of full surround sound from only 2 front speakers Connectors: 2 x scart sockets, 1 x HDMI™ port, PC input + audio in, 4 pin (Y/C) In (S Video) BRAVIA Engine Picture Enhancement: It uses the advanced BRAVIA engine to create stunning images with enhanced clarity, depth and definition Audio Description Compatible: Audio Description compatible allowing for blind or partially sighted people to follow television programmes (where available) BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button 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 Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band Aerial. Suitable portable TV Aerials can be used to receive freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using a indoor aerial Use wall mount

Black and Cream Floral Roll Wrap, at Marks and Spencers
Pack contains: 1 roll wrap Approx size: 150 x 70cm

Per Una Pleated Handbag with Charm, at Marks and Spencers
A heart shaped charm makes this fashionable bag even more special. Give your look the Per Una twist!

Thin Strap Bead Stripe Swimsuit, at Marks & Spencer
Modern and colourful, this stylish swimsuit features a striking stripe print. Make a splash!

Pure Cotton Drawstring Joggers, at Mark & Spencers
Comfy and practical, these pure cotton drawstring joggers are ideal for active workouts or stylish relaxation

Barrel Large High Ball Glass Tumbler, at Marks and Spencer
Barrel shape High ball Dishwasher safe, Manufacturer: Marks & Spencer

7 Pairs of FreshFeet Beige Track Design, at Marks and Spencers
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

Autograph Exclusive Rainbow Stripe Hipster Bikini Bottoms, at Mark's & Spencer
Luxurious and exclusive, these glamorous bikini bottoms are beautifully designed in a flattering, fashionable silhouette for the ultimate in style. They're made from soft, comfortable fabric and finished with careful attention to detail

Garlic Flatbread, at Marks & Spensers
Serves 6-8 Ready to cook Suitable for freezing 400g Not suitable for nut allergy sufferers As featured on page 40 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

Hard-Top Divan with 2 Small + 2 Large Drawers & M100 Mattress, at Marks and Spencer
Single (3ft): W90 x L190 Double (4ft 6): W135 x L190 King Size (5ft): W150 x L200 Super king size (6ft): W180 x L200 Mattress depth: 22cm Smaller drawers at the head end are designed to open without moving your bedside table All mattresses and divans are anti-allergy protected Mattress does not require turning Mattress has a soft pillowtop layer 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

Blue Harbour Modal Blend Self Stripe Shirt, at Mark & Spencers
Stylishly smart casual, this self stripe shirt is made from a modal blend so it feels exceptionally comfortable to wear. Modal is a luxuriously soft fabric made from natural plant fibres

Sony Bravia 20'' KDL-20B4050 Portable HD Ready LCD TV, at Marks & Spencers
HD Ready: Enjoy clearer, sharper and more vibrant images with this 'High Definition' ready TV. Perfect for the display of High Definition signals, i.e PlayStation3, Blu-ray Disc™ etc. Display: 20 inch LCD, Display Resolution: 1366 x 768 pixels Contrast: On screen contrast; 700:1. Dynamic contrast; 5000:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: W51.6 x H37.3 x D12.4cm (with table stand) Weight: 7.5kg (including stand) Surround Sound Effect: BBE ViVA high quality sound and built-in Virtual Dolby creating the effect of full surround sound from only 2 front speakers Connectors: 2 x scart sockets, 1 x HDMI™ port, PC input + audio in, 4 pin (Y/C) In (S Video) BRAVIA Engine Picture Enhancement: It uses the advanced BRAVIA engine to create stunning images with enhanced clarity, depth and definition Audio Description Compatible: Audio Description compatible allowing for blind or partially sighted people to follow television programmes (where available) BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button 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 Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band Aerial. Suitable portable TV Aerials can be used to receive freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using a indoor aerial Use wall mount

Girls' Fashion Schoolwear - Pure Cotton Frill Trim Cardigan, at Marks & Spencers
Pretty as well as practical, this pure cotton cardigan is ideal for school. Girls will love the embroidered detail and frilled hem and cuff

Sony RDR-HXD995 250GB HDD DVD Recorder & Set Top Box, at Marks & Spencer
250GB capacity for a max recording of 710 hours onto the Hard Disk Drive Integrated Digital and Analogue Tuner BRAVIA Sync HDMI output with 1080p upscaling USB Port for Digital Camera USB Port for PictBridge Printer Electronic Programme Guide (8 Day on digital) i.LINK (DV) input for Camcorder Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band Aerial. Suitable portable TV Aerials can be used to receive freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product 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

ARCHOS 7 Internet Media Tablet 160GB, at Marks & Spencers
Internet: Full web browsing, full email application, web TV, web radio, widgets application Plays: Videos, music, photos, games and stream content from your PC TV: Record from TV (with optional dock), play content and surf the web on your TV through the ARCHOS 5 Display: 7" TFT LCD high resolution screen, 800x480 pixels, 16 million colors Touch Screen: Direct by touch screen, ON/OFF, vol+ and vol- buttons Video playback: MPEG-4 (ASP@L5 AVI, up to DVD resolution), WMV (MP@ML, up to DVD resolution) including WMV protected files and M-JPEG (Motion JPEG Video) in QVGA resolution Video recording: Via the optional DVR Station/ DVR Snap-on: Records NTSC/PAL/SECAM in MPEG-4 AVI format with ADPCM stereo sound, VGA resolution (640 x 480) @ 30 or 25 f/s Audio playback: Stereo MP3 decoding @ 30-320 Kbits/s CBR & VBR, WMA, Protected WMA, WMA pro 5.1, WAV (PCM/ADPCM), AC3 stereo audio and 5.1 sound files (via SPDIF output of DVR Station) and Flac and OGG Vorbis audio files Audio recording: Via the optional DVR Station or DVR Snap-on: Stereo line-in, WAV (IMA ADPCM or PCM) format and Voice recording via the optional FM remote and its built-in microphone in WAV format (IMA ADPCM) Photo viewer: JPEG, BMP, PNG, GIF Memory: 160 GB (stores up to 200 Movies, 1.6 million photos or 95,000 songs) PC accessories: Possible attachment of numerous standard USB PC accessories (keyboard, mouse, memory key, memory cards reader, camera) Connectivity: On board WiFi (802.11 b/g), USB 2.0 host with optional accessories Interfaces: USB 2.0 High-Speed Device (compatible USB 1.1 at a lower speed): Mass Storage Class (MSC) and Media Transport Protocol (MTP) and USB 2.0 Host: Mass Storage Class (MSC) and Picture Transfer Protocol (PTP) with optional Mini Dock, Battery Dock and DVR station Connections: WiFi, free web browser, 3.5 mm mini jack for headphones and audio output, DC-in for power adapter and Docking connectors to connect DVR Station and other ARCHOS accessories Battery life: Music playback 39 hours, Video playback 10 hours Dimensions: Approx: 19 x 11 x 1.6cm Weight: 640g Package includes: ARCHOS 7, headphones, ARCHOS USB cable, DVR Station adapter, power adapter/charger, screen cleaning cloth, Quick Start Guide (QSG), legal and safety notice 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

Pure Cotton Floral Print Pleated Skirt, at Marks and Spencer
Pretty and feminine, this knee length pleated skirt is a look you'll love. Stylish, practical and fashionable

Pure ChargePAK B1 Rechargeable Battery Pack, at Mark & Spensers
Replaces the need for alkaline batteries Easy to install - can be fitted in seconds Charges inside the radio, no separate charging unit required Increased battery life per charge over standard rechargeable batteries Provides up to 20 hours wireless listening Specification: lithium-ion 3.7V 4200mAh. Compatible with Pure ONE Mini 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 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 Older Girls' Plain Crop Tops, at Marks n Spencer
Cute and comfortable, these comfy crop tops make a great way of getting girls used to the idea of wearing bras

Woodspice Moisturising Aftershave, at Marks and Spenser
Moisturising Alcohol free 100 ml

Blue Harbour Pure Cotton Long Sleeve Check Shirt, at Marks & Spencer
This pure cotton shirt has been dyed using a special process to give an authentic washed down look which will fade fashionably with time and wear. Colour variations make each garment unique

Pure Cotton 3/4 Length Camouflage Belted Shorts, at Marks and Spencers
Relaxed and comfortable, these 3/4 length cotton shorts make a practical, fashionable choice

Blue Harbour Luxury Pure Cotton Short Sleeve Marl Stripe Polo Shirt, at M & S
Stylishly smart casual, this polo shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Birthday Gift Card, at Marks & Spenser
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Sprung-Edge Non-Storage Divan & M400 Mattress, at Mark & 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 Divan Height: 41cm Mattress depth: 24cm Mattress Spring Count: 1054 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 Mattress filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give the mattress edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Dining - PLATINUM 12 PC SE, at Marks & Spenser
Manufacturer: Marks & Spencer

Barton 2-Seater Sofa, at Marks & Spencers
H90 x W158 x D90cm Seat H51cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 Includes 2 matching fibre scatter cushions Feet are castors with antique-brass effect 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 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

M&S Finance 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 Finance 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 Marks n 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 Finance UK and European Breakdown Cover, since it covers you as a passenger too.