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

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

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

Marks & Spencer Money 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 Marks & Spencer Money 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 & 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 Tescos Direct:

• 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 Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.

Marks & Spencer Money 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 Home 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 Home 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, Marks & Spencer Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Congratulations Bar Cake, at Mark & Spensers
36 portions Sponge Cake: All-butter sponge filled with buttercream and raspberry jam. Can be eaten up to 5 days after collection Cake size: 16 x 33cm 2.4kg total weight Not suitable for nut allergy sufferers 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

Concertina Paper Butterflies Birthday Card, at Mark & Spensers
Cover Text: Birthday surprises Inside Message: Blank for your own message Approx size: 230 x 114mm

Little Acorns Mini Record Book and CD Album with 4 CDs, at Marks n Spencer
Pack contains: 1 record book, 4 pre-labelled CDs Approx size: Book dimensions: H140 x W140 x D32 mm

Long Sleeve Hood Padded Jacket, at Marks and Spencer
Fashionable and practical, this padded jacket is fully lined and features a tie waist belt. A comfortable, easycare style

Smocked Henley Neck Frill Top, at Marks & Spencers
The frill detail is a key trend this season. This soft fabric top makes a stylish way to get the look

Sony Cyber-shot™ DSC-W275 Digital Camera, at Marks and Spenser
Pixels: 12.1 megapixels Zoom: 5x optical zoom lens, 31x smart zoom, 10x precision digital zoom Screen: 2.7 inches ISO: Auto, 100, 200, 400, 800, 1600, 3200 Dimensions: H56.6 x W97.6 x D22.6mm Weight: 135g Weight with accessories: 164g Video: Motion JPEG and MPEG4 movie recording at approximately 30 frames per second PictBridge Enabled: Yes Jacks: Multi use Terminal with HD, USB 2.0 Hi-Speed Face Detection optimizes focus and exposure for clearer portraits HD Slideshow with music offers fun image display with effects and music on LCD or connected HD TV SteadyShot image stabilization reduces image blur during handheld shooting Fun in-camera retouching functions: image trim and red-eye correction Picture Motion Browser software simplifies image management, searches and viewing on PC Comes with a free camera case 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

Hand Finished Photographic Trinket Box Mother's Day Card, at Marks n Spencer
Cover text: Just for you Mum xx Inside message: There are things that always cheer me Whenever I feel blue Theyre little pearls of wisdom And I learnt them all from you Approx size: 178 x 126mm

Autograph Mug, at Marks and Spenser
Autograph collection Plain Height: 10cm, Manufacturer: Marks & Spencer

Power Rangers Music Card, at Marks and Spencer
Cover text: Happy Birthday Inside message: Have a great day! Approx size: 215 x 150mm Power Rangers - ™ and BVS Entertainment, Inc. and BVS International N. V. All rights reserved

Classic Lila Lace Trim Full Briefs, at Marks & Spenser
Stylish and flattering, these full briefs give complete coverage at the front and back and are extremely comfortable to wear

Pure Cotton Corduroy Straight Leg Trousers, at Marks and Spencer
Smart and stylish, these easycare cotton trousers are outstanding value

Panasonic Lumix DMC-FX40 Digital Camera, at Marks & Spencer
Pixels: 12.1 megapixels Zoom: 5x optical zoom, 4x digital zoom Display: 2.5 inch TFT colour LCD Screen ISO Sensitivity: Auto / 80 / 100 / 200 / 400 / 800 / 1600 High Sensitivity (ISO 1600-6400) Dimensions: W9.5 x H5.2 x D2.1cm Weight: Approx. 150g with Battery and SD Memory Card, Approx. 128g (without) Power: ID-Security Li-ion Battery Pack (3.6V, 940mAh) (Included) / AC Adaptor (Input: 110-240V AC) (Optional) Standard Accessories: Battery Charger, Battery Pack, Battery Case / AV Cable, USB Connection Cable, AC Cable / Hand Strap, CD-ROM Built-in-Flash:Auto, Auto/Red-eye Reduction, Forced On, Slow Sync./Red-eye Reduction, Forced Off 0.6 - 6.0m (Wide/ISO Auto), 1.0 - 2.8m (Tele/ISO Auto) Recording Media: Built-in Memory, SD Memory Card, SDHC Memory Card, MultiMediaCard (Still image only)

Flat Front Straight Leg Plain Trousers, at Marks & Spencers
No more trips to the drycleaners! These smart, fashionable trousers can be machine washed and tumble dried

Friuli D.O.C Grave Merlot 2006 - Case of 6, at Marks&Spencer
Style: Medium bodied Grape variety: Merlot Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Bingley Bear with Fabric Flowers Grandma Birthday Card, at Marks & Spencer
Cover text: For you Grandma... Inside message: With love on your Birthday xx This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Smooth Cup Padded Bra, at Marks n Spencer
Sleek and stylish, this exceptionally soft, comfortable bra is perfectly smooth, so there are no visible outlines under clothing. Light padding and underwiring give an enhanced natural shape. Designed for women who want a streamlined silhouette

5 Pure Cotton Plain Full Briefs, at Marks & Spenser
Made from pure natural cotton, these plain briefs are cool, comfortable, breathable and perfect for everyday wear

Sterling Silver Twist Earrings, at M&S
Twist design Butterfly stud fastening This product is not available for international delivery. Find out more For hygiene reasons, refunds will only be given in accordance with your legal rights

Autograph Pure Cotton Floral Sequin Dress, at Marks and Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Canon PowerShot SX200 Digital Camera, at M & S
Pixels: 12.1 megapixels Zoom: 12x optical zoom, 4x digital zoom Screen: 3.0'' LCD display ISO: AUTO, 80, 100, 200, 400, 800, 1600 Dimensions: W103.0 x H60.5 x D37.6 mm Weight: 220g Motion Detection Technology: Eliminate blur by compensating for subject motion and camera-shake PictBridge Enabled: Enables you to print images using a USB cable to connect the PowerShot A470 to a printer without a PCFace Detection Technology: Ensures superb people shots by automatically setting optimum focus, exposure, flash and white balance Red-Eye Correction: Easily removes red-eye in-camera Processor: DIGIC 4 processor drives exceptional processing speeds, responsive operation, superb image quality and colour reproduction. Advanced Noise Reduction ensures richly detailed, clean images, even at high ISO speeds Shooting Modes & Special Scenes: 14 shooting modes include Special Scenes like Sunset, Portrait and Kids & Pets, which make it easy to get great results in common shooting situations. My Colors in-camera photo effects such as Black & White can be applied during shooting HD movies and HDMI output: Supplement great still shots with HD movies (720p, 30fps) and share them on any HDTV via a built-in HDMI connection System requirements: Windows XP SP2-3 / Vista (including SP1), Mac OS X v10.4 - 10.5 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

2 Underwired Bras, at Marks & Spencers
Smooth and sleek, these moulded cup bras give a perfectly smooth outline under clothes. Underwiring and padding give an uplifted and enhanced natural shape

Autograph Weekend 3/4 Sleeve Lace Print Top, at Marks & Spencers
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season.

Cool Soft Cotton Pillow Protector, at Marks & Spencer
Quilted design Naturally breathable, Manufacturer: Marks & Spencer

Autograph Aviator Style Sunglasses, at Marks and Spencer
Practical and fashionable, these aviator sunglasses are designed in a flattering modern style

Pure Cotton Straight Leg Jeans with Belt, at Marks&Spencer
A great pair of jeans always looks stylish. These straight leg jeans in pure cotton feature wrinkled effect. Fashionable, practical and easycare

5 Floral Embroidered Full Briefs, at Mark & Spensers
These floral embroidered cotton rich full briefs are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Pure Cotton Floral Embroidered Lace Trim Cushion, at M&S
Rectangular shape Embroidered flower design Lace trim detail Dimensions: H30 x L40cm, Manufacturer: Marks & Spencer

3 Indian Summer Pure Cotton Towels, at Marks & Spencers
Pack of 3 Stripe design, Manufacturer: Marks & Spencer

Autograph Stormwear™ Raincoat, at M&S
Stylish and contemporary, this raincoat is treated with Stormwear™ technology, a breathable finish that repels water and stains

Piedmont Chardonnay 2008 - Case of 12, at Marks & Spenser
Style: Dry Grape variety: Chardonnay & Cortese Country of origin: Italy Closure: Screw cap Suitable for vegetarians Bottle: 12 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

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