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

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 & 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.

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 MarksandSpencer 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, Sainsburys, 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 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.

Petite Baby Elephant Bookend, at Marks and Spencers
Suitable for ages 0-3 years This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Tulsa Armchair, at Marks & Spencers
H96 x W103 x D98cm Seat H50cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that maintains the cushions' look and shape. Click here to Find out more 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 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& 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 08457 624 624 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

3/4 Sleeve Animal Print Jersey Top, at Marks & Spencers
Chic and modern, this jersey top is made from softly draping stretch viscose for a fluid look. The animal print adds a fashionable finishing touch

Wool Rich Single Breasted 2 Button Stripe Jacket, at Marks & Spencer
Smart and contemporary, this suit is made from a special wool rich fabric for extra strength, comfort and durability

Collezione Luxury Wool Rich Flannel Trousers with Cashmere, at Marks & Spencers
Superior fabric, exceptional tailoring and careful attention to detail make these trousers stand out as a stylish modern classic. They're made from luxurious fabric spun in one of Biella Italys world-renowned mills and crafted to the highest specification according to traditional Italian manufacturing methods

Footglove™ Leather Wide Fit Wishbone Sandals, at Marks & Spencers
Footglove™ soles are comfortable, highly flexible and lightweight Round toe Buckle fastening Contrast strap design Wide fit Comes in sizes 3-8, including half sizes

Autograph Occasions Jaquard Wedding Dress & Bolero Set, at MarksandSpencer
Feminine and elegant, this 2 piece wedding dress and bolero set is beautifully designed and detailed with an embroidered jaquard design. An exclusive, luxurious look from Autograph for your wedding day

Pure Cotton Short Sleeve Pocket Top, at Marks & Spencers
This short sleeved top will make a useful addition to your wardrobe. It features a classic collar for a stylish casual look

Animal Print Scarf Trim Hat, at Marks and Spencer
Keep cool and stylish with this wide brim hat featuring an animal print scarf

Cotton Rich Lace Trim Midi Knickers, at Marks & Spensers
Pretty and feminine, these spot print midi briefs are extremely comfortable to wear and give good coverage at the front and back

Nectarine & Orange Pot Pourri Bag, at Marks and Spencer
Nectarine and orange frangrance Natural and man-made botanicals, Manufacturer: Marks & Spencer

Waterproof Mattress Protector, at Marks and Spencer
Quilted for comfort Completely waterproof Comes in 4 sizes - single, double, kingsize, super king size, Manufacturer: Marks & Spencer

3 Pure Cotton Assorted Woven Boxers, at Marks&Spencer
Made from soft breathable cotton, these comfy boxers are ideal for everyday wear

Kerpow Glow in The Dark Bedset, at MarksandSpencer
Wham pow print Set includes single duvet cover and 1 pillowcase, Manufacturer: Marks & Spencer

Stitch Back Pencil Skirt, at Mark & Spencers
Sleek and chic, this pencil skirt is tailored to fit and flatter. A stylish choice for work or smart occasions and it's machine washable for added convenience

Silver Finish Wood Photo Frame 10 x 15cm (4 x 6"), at M & S
Rectangle shape Pine wood border Silver finish Aperture: 10 x 15cm (4 x 6") Dimensions: H19.1 x W24.2 x D2.7cm, Manufacturer: Marks & Spencer

Hard-Top Non-Storage Divan & M100 Mattress, at Marks and Spenser
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: 21.5cm Divan height: 41cm 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

Songs From The Musicals CD, at Marks & Spencer
Audio CD, Marks & Spencer

Per Una Pure Linen Knee Length Skirt, at Marks & Spencers
A pretty knee length skirt in pure cool linen featuring a ziggy flow print

Pure Cotton Jersey Woven Pyjamas, at Marks and Spencers
Pretty and feminine, these jersey woven pyjamas are made from soft breathable cotton for a comfortable night's sleep

Per Una Panelled Cord Skirt, at M & S
A sophisticated mid-calf length skirt in a soft cotton blend featuring a panelled design

Autograph Pure Cashmere Polo Neck Jumper, at Marks and Spencer
Blissfully cosy, this roll neck jumper is made from pure cashmere for the ultimate in luxurious softness

Blue Harbour Real Cool & Fresh Pure Linen Short Sleeve Check Shirt, at Marks & Spencer
Relaxed and stylish, this check shirt is cut for a great fit. It's made from pure linen so it feels cool and comfortable to wear

Indian Summer Pure Cotton Oven Mitt, at M+S
Hanging loop Stripe design, Manufacturer: Marks & Spencer

5 Pairs of Younger Boys' Cotton Rich Assorted Socks, at Marks and Spencer
Brighten up his underwear drawer with these fashionable assorted design socks made with soft breathable cotton

Portfolio Sleeveless Leapord Print Dress, at Marks and Spencer
Chic and contemporary, this sleeveless dress features a leapord print. A fabulous fashionable look

Sprung Edge 4 Drawer Divan & Autograph M500 Mattress - Firm, at Marks and Spencer
No turn mattress Mattress and divan are anti-allergy Mattress: spring count 1225, depth 27.5cm Divan height: 41.5cm Divan drawer size: 4 x large H15 x W78.4 x D53cm Single 3ft: W90 x L190cm (has 2 large right- or left-hand drawers) Double 4ft6: W135 x L190cm King size 5ft: W150 x L200cm Super king size 6ft: W180 x L200cm This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer, Manufacturer: Marks & Spencer

Autograph Pure Silk Spot Tie, at MarksandSpencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Per Una Pure Cotton Spot Jaquard Pyjamas, at Marks and Spenser
Modern and feminine, these pretty spot jaquard pyjamas are made from soft pure cotton. So you can relax in comfort and style. Part of Per Una's sleepwear collection

Rose Print Flexilite Umbrella, at Marks n Spencer
Brighten up rainy days with this stylish lightweight umbrella

Mark & Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Motor Insurance, but Marks & Spensers do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M&S Money Direct website. With a simple, no-hassle service, you can compare features between a number of Marks & Spencers Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Money Direct loans, credit cards or Buildings Insurance - besides a number of other insurance products, M&S Money Direct can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Money Direct insurance products (Buildings Insurance, Motor Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Marks and Spencer insurance products in document format too.