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

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Mark & Spensers, 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 Marks & Spencers Money, you get more, and you pay less.

M&S Money Direct 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 Money Direct 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 and 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 Money Direct UK and European Breakdown Cover, since it covers you as a passenger too.

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

The Floral Collection Iris Soap, at Mark & Spensers
3 x 100g Iris scented Added moisturisers

Playmobil Police Headquarters, at Marks and Spencer
Suitable for ages 4+ Includes interrogation room Consists reception area and wall for equipment and other accessories Comes with breakout window, breakout wall and lockable cell This product conforms to the EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Reversible Leather Belt, at Marks n Spencer
Add a smart finishing touch with this leather buckle fastening belt

24 Hair Grips, at Marks and Spenser
Fashionable and functional, these hair grips look pretty and gently keeps hair in place

Collezione Luxury Wool Rich Trousers with Silk, at Marks and Spencer
Smart and stylish, these trousers are made from fine quality wool with silk for a touch of luxury. A practical, hardwearing and fashionable choice

Collezione Long Sleeve Herringbone Shirt, at M & S
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 this shirt to give you a feeling of luxury like no other

Older Girls' Diamanté Tortoiseshell Sunglasses, at Marks&Spencer
Fun and fashionable, these diamant tortoiseshell sunglasses give 100% UV protection for safer style in the sun

Barletta 2 Seater Sofa AU09 Newness, at Marks&Spencer
Manufacturer: Marks & Spencer

Autograph Post Surgery 2 Tone Embroidered Bra, at M & S
Pretty and feminine, this padded modal bra is made from soft microfibre fabric and gives a gently supportive fit and a flattering shape. It features 2 secure prosthesis pockets

Maternity Cotton Blend Boyfriend Cardigan, at Marks & Spenser
Relaxed and casual, this cotton blend cardigan is designed to flatter you and your bump. A ribbed waist gives a neat, comfortable fit with room for growth. A practical, versatile choice

Older Girls' Hannah Montana Clogs, at Marks n Spencer
Round toe Slip-on Hannah Montana design Badge detail Flat sole Clog style Disney

Blue Harbour Pure Cotton Yacht Print T-Shirt, at MarksandSpencer
Fashionable and relaxed, this yacht print t-shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Large Blonde Rag Doll, at MarksandSpencer
Not recommended for babies under 12 months Hair ribbon detail Apple print design Suitable for ages 1-3yrs This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Artificial Poppy in Square Glass Vase, at M & S
Artificial poppy Square glass vase Height: 41cms, Manufacturer: Marks & Spencer

3 Pairs of Assorted Bird Design Socks, at Marks n Spencer
Celebrate the weekend with these fun novelty socks, great as a gift

Girls' Limited Pure Cotton Washed Denim Mini Skirt, at Mark's & Spencer
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Forest Heart Cluster Necklace, at Marks & Spencer
Tie fastening Multiple bead design

Bear Collection - Cot Bed Quilt, at Marks and Spenser
Embroidered bear detail L120 x W100cm, Manufacturer: Marks & Spencer

M&S 2400W Autoclean Steam Iron, at Marks & Spencer
Manufacturer: Marks & Spencer

Cotton Rich Scallop Trim Low Rise Shorts, at Marks & Spencer
These cotton rich shorts are shapely and modern. They have been designed with added stretch for a snug, comfortable and figure-flattering fit

Skinny Enamel Belt, at Mark's & Spencer
Define your waistline with this fashionable enamel belt

Metal Visor Sunglasses, at Marks and Spencers
Providing essential protection for the eyes, these stylish and wearable shades will flatter most face shapes

PlayStation®3 Need for Speed: Undercover, at Marks & Spencer
Go Deep Undercover: Race into an action-packed story of pursuit and betrayal. Take on jobs and compete in races to prove yourself as you infiltrate and take down an international crime syndicate Highway Battle: Fight off the cops and others as you take down your prey in high-speed, high stake multi-car chases. New and vastly improved A.I. mechanics mean more aggressive and intelligent cops focused on taking you out fast and by any means necessary Own the Open World: Tear across the massive highway system and discover the open world of the Gulf Coast Tri-Cities area, with three unique cities connected by an extensive highway system Heroic Driving Engine: An all-new game engine lets you pull off amazing moves for the ultimate driving edge. 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 You must be 12 years of age or over to purchase this product This product is not available for international delivery. Find out more *Must be returned with the tamper seal intact for full refund, ESRB Rating: Teen

Hepworth Display Cabinet, at Marks and Spencer
H190 x W90 x D47cm With 3 drawers 2 glass doors 3 glass shelves 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 Side panels, door panels and back panels are veneered Top panel is veneered with solid birch edging for strength Drawer boxes made from solid European Birch. Drawers made from veneers Solid European Birch legs Door frames made with solid European Birch. Door panels are veneered 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

Pure Cotton Holiday Rope Handle Shopping Bag, at Marks & Spencer
Fashionable and practical, this rope handle shopping bag is a useful accessory with bags of style

Per Una Dip Dye Knitted Top with Chiffon Scarf, at M+S
An elegant v-neck top featuring dip dye design. Floral print chiffon scarf gives it the Per Una touch

2 Classic Cellular Briefs, at Marks and Spenser
Easy to care for cotton and a classic cut ensures these comfy briefs are a staple part of any underwear drawer

Sonoma Dark Coffee & Side Table Set, at Marks and Spencers
2 piece set Coffee table: H45 x L135 x W50cm Coffee table has a glass lower shelf Side table: H60 x W44 x D45cm Side table has 1 drawer and a glass lower shelf Glass shelves are made from safety-tested toughened glass Made from solid oak and oak veneer Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength Handles made from solid wood Drawer boxes and fronts made from solid hardwood. Drawer bottoms made from White Oak veneer Legs made from solid hardwood 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

Limited Collection Cotton Rich Stripe Shorts, at Marks & Spencers
Fabulous and modern, these shorts are part of our Limited Collection lingerie. They're 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

Big & Tall Pure Cotton Spot Pyjamas, at Marks&Spencer
Soft and breathable, pure cotton pyjamas are the natural choice for a comfortable night's sleep

Mark & Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Car Insurance, but Marks and Spenser 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 M&S 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, Car 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 & Spencers insurance products in document format too.