Shopping for financial products at Marks & Spencer Money UK website is just as simple as shopping for fashion or furniture at the M+S 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 & Spensers, 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 M&S 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:

• 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.

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 & 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, 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.

White Pearl Damask Small Wedding Photograph Album, at M+S
Contains: 1 album, 105 glue dots, gift box, 700Mb CD-R Album: H155 x W200 x D33 mm Box: H168 x W215 mm x D40 mm

Younger Girls' Dora the Explorer Sunglasses, at Marks & Spenser
Fun and fashionable, these Dora the Explorer sunglasses give 100% UV protection for safer style in the sun

1000 Stickers For Boys, at Marks & Spensers
This sticker book will keep them busy as they look for an incredible 1000 stickers inside!

Collezione Pure Cotton Long Sleeve Stripe Shirt, at Marks & Spensers
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

V-Shaped Champagne Flute, at Marks & Spencers
H24cm 17.5cl capacity Coloured glass Dishwasher safe Handmade Wide base V-shaped, Manufacturer: Marks & Spencer

Autograph Pure Cotton Long Sleeve Shirt, at Marks & Spensers
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a stunning stripe print

5 Pairs of Plain Trainer Liner Socks, at Marks & Spencer
Comfortable and durable, these socks are outstanding value. They feature a reinforced toe and stretch fabric for an improved fit

Older Boys' Fluffy Waist Tie Dressing Gown, at Marks and Spenser
Soft and cosy, this dressing gown is made from comfy fluffy fabric

Classic Collection Floral Embroidered Nightdress, at M&S
Flattering and stylish, this nightdress is comfortable to sleep in and features a pretty floral embroidered design

Pop Star Girl Age 8 Birthday Card, at Marks and Spenser
Cover text: 8...happy birthday...to a real star! Inside message: Have a great day! Approx size: 174 x 126mm

Classic Collection Pure Cotton Floral Crinkle Blouse, at Marks and Spencer
Feminine and pretty, this floral print blouse will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

Divan on Legs & M400 Mattress- Soft, at Marks & Spenser
Single mattress (3ft): W90 x L190cm Double mattress (4ft 6in): W135 x L190 cm 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 Mattress depth: 24cm Divan height: 31cm 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 Pocket sprung mattresses give a flexible feel Mattress spring count: 1054 Rigid, un-sprung frame gives a firmer feel. Recommended for use with selected mattresses 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

4 Ruby Mugs - Black, at M+S
Set of 4 Stripe design H9cm, Manufacturer: Marks & Spencer

Abbot Chair, at M+S
H78 x W76 x D78cm Seat H43cm, arm H71cm Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Solid birch feet with a dark finish Free swatch samples: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Seams and pattern match on fabrics - Please note that the images of fabrics displayed here are overlaid onto models. These images act as a guide and may not be representative of the finished product. Seams and pattern match may differ from what is shown This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Play Toolbox, at Marks and Spencer
Suitable for ages 3+ Box contains: a ruler, saw, plier, spanner, screwdriver & a hammer Imaginative play This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Boy Images Multipack of Card, at Marks and Spencer
Cover text: Design 1 - happy birthday Design 2 - blank Design 3 - happy birthday Pack contains: 9 cards, 3 designs Approx side: 120 x 120mm

Hannah Montana Range A4 Document Wallet, at Marks&Spencer
1 document wallet Approx size: 213 x 299mm Disney

Millionaire's Shortbread Dessert, at M&S
Serves 6-8 Ready to eat Not suitable for nut allergy sufferers Comes in a table-presentable bowl 750g total weight As featured on page 49 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Medium Brunette Rag Doll, at Marks and Spenser
Not recommended for babies under 12 months Hair ribbon detail Floral frill dress Large button detail Suitable for ages 1 - 3 yrs This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Cotton Rich Scoop Neck Vest, at Marks & Spencers
Stylish and practical, this sleeveless vest makes an ideal choice for everyday wear. The cotton fabric gives a comfortable flattering fit

Pink Polka Dot Get Well Soon Card, at Marks & Spencers
Cover text: Get Well Soon Inside message: Get Well Soon

Pure Cotton Ripstop Pull On Hat, at Mark's & Spencer
Keep your cool in this pull on sun hat, a summer and holiday essential

Airflex™ Tramline Slip-On Shoes, at Mark & Spencers
Square toe Stitch detail Slip-on Block heel Higher prices applied online for at least 28 days prior to 23 April 2009 and were subject to a 30% discount from 23 April to 22 July 2009

2 Recycled Anti-Allergy Medium Support Pillows, at Marks & Spenser
Pack of 2 Proven protection against dustmite allergens, wash after wash Endorsed by the British Allergy Foundation, Manufacturer: Marks & Spencer

Nokia 6300 - T-Mobile Pay as you talk Mobile Phone, at Marks n Spencer
Maximum of 2 phones per customer may be purchased Talk Time: Up to 3.5 hours Stand-by Time: Up to 14 days Screen: 320 x 240 pixel TFT QVGA screen, up to 16.7 Million True colors, 2 inch Ringtones: Video ringing tones , MP3 ringing tones, True tones, and MIDI tones for up to 64 polyphonic tones Dimensions: H10.6 x W4.3 x D1.3cm. Weight: 91g Camera: 2 megapixel, 8x digital zoom and full screen viewfinder Radio: FM stereo radio with Visual Radio Music player: Music player supporting MP3, MP4, AAC, AAC+, eAAC+, H.263, H.264 Internet: XHTML browser, access your email on the go and send attachments Games and applications: Java™ MIDP 2.0 games and applications Memory: Up to 7.8 MB internal user memory. MicroSD card slot (up to 2GB) for storing pictures and music Messaging: SMS and MMS Battery: BL-4CBattery(860 mAh) Voice Features: Voice recorder, voice volume control, voice commands, voice messaging, integrated handsfree speaker Connectivity: Mini USB, Bluetooth, AV 2.5mm Video: Video recorder and player Includes in the box: Nokia 6300 handset and Nokia stereo headset HS-47

Linen Rich Metallic Bedcover, at M & S
Ribbed Metallic effect Approx size: 150 x 200cm, Manufacturer: Marks & Spencer

M&S Pizza Maker, at M & S
Cooks up to 12" frozen, pre-baked or fresh pizza's 1000-1200W Rotating stone base to ensure even cooking Display window to check pizza while cooking Plastic handle to open while pizza maker is hot and in use 4 heat settings Top grilling element to melt / brown toppings Anti-slip base 2 year guarantee, Manufacturer: Marks & Spencer

Senior Wool Blend Blazer with Stain Defence™ & Stormwear™, at Marks & Spenser
Smart and innovative, this stylish blazer is made from a hardwearing wool blend. It's treated with our unique Stain Defence™ and Stormwear™ finishes, making it resistant to water and stains

Handcrafted Letters Valentine Card, at Marks and Spencers
Cover text: One true Love Inside message: Happy Valentine's Day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

M&S Trio DECT Cordless Phones with Large Buttons, at Marks & Spencer
DECT - Digitally enhanced cordless phones provide crystal clear sound quality, increased talk time and range coupled with increased security Talk time - up to 10 hours with 100 hours standby Speakerphone - talk hands-free Large display, big buttons and ultra-slim profile HD Sound - High Definition communication Large, white backlit inverse display Stores 100 names and numbers Up to 10 hours with 100 hours standby 5 polyphonic ringer melodies and 5 standard ringer melodies Built-in digital answering machine with up to 15 minutes recording time Access the answering machine on the base Message counter display on base 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

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.