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

• M&S Insurance: M&S Motor Insurance, M&S Buildings & Contents 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 and Spencers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Financial Services in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Financial Services website.

M&S Financial Services 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 Financial Services 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 Marks and Spencer 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, 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 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 Financial Services 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 and Spencers are so useful. M&S Financial Services 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 & Contents Insurance policies. Usually, UK Buildings & Contents 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 Financial Services Buildings & Contents 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 Financial Services Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Snake Print Bikini Top, at Mark & Spensers
Gorgeous and glamorous, this fashionable bikini features a striking snake print. A sleek, shapely look

MoDA Grasses and Foliage Bamboo Paper Blank Card, at Marks and Spencer
Cover text: Blank Inside message: Blank for your own message Our MoDA range has been screen printed onto paper made from bamboo. Bamboo is a truly sustainable and renewable resource as it's the fastest growing plant on the planet! Approx size: 150 x 150mm

Sony Bravia 46" KDL-46Z4500 HD Ready LCD TV, at Marks and Spencers
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 46 inch LCD, 10 bit panel, 6.2 Mega Pixels, Picture Mode: 14:9 Mode, 4:3 Mode, Screen Aspect Ratio: 16:9 Contrast ratios: Dynamic contrast 80000:1 Integrated Digital and Cable Tuners: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) and is cable TV ready (with supported operators only Dimensions: W114 x H79 x D30.7cm (including table top stand) Weight: 34.5kg (including table top stand) Surround Sound Effect: Experience the effect of digital surround sound from only two front speakers with our advanced S-Force Front Surround technology Connectors: Digital audio output (optical), 3 x HDMI™ Inputs, PC Input (15pin D-Sub) + Audio In, 1 x Component Inputs, Composite Video In, 4 Pin (Y/C) In (S Video), USB 2.0 Input, MiniJack (Head/Earphone), PCMCIA Card Slot, RCA Audio Out, 3 x RCA AV Input, RF In, 2 x Scart Inputs (RGB), BRAVIA Sync, DLNA Ethernet (Music/Photo), Digital Media Port BRAVIA Engine 2: Experience incredibly clear and defined images with BRAVIA ENGINE 2 picture enhancement technology and Advanced Contrast Enhancer Live Colour Creation with x.v.Colour: Uses a larger colour palette to produce vibrant colour the way nature intended it to be seen Motionflow 200Hz: Adds 3 new frames to every fast moving scene, creating sharp, smooth images. Motionflow works by multiplying the number of frames you see on screen. New ones are inserted into fast-moving sequences, like the flight of a ball, to smooth out the motion. Motionflow predicts motion in all directions and cleverly creates brand new pictures based on this information 24p True Cinema: Shows images at 24 frames per second just like a real cinema screen Xcross Media Bar: No more confusing menu screens thanks to our easy-to-navigate XrossMediaBar™ to browse all your TV functions Picture Frame Mode: When you are not watching TV, turn it into a digital picture frame with Picture Frame Mode. Fill the black hole in your living room by using your TV to display your own pictures or the 6 pre-installed images BRAVIA Theatre Sync: Control your entire home cinema set-up with just one click on the TV remote and access the menus on compatible peripheral devices such as Handycam camcorders thanks to BRAVIA Sync 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: 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 Use wall mount T042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton Mock Layer Comic Print Top, at Marks & Spensers
Fun and fashionable, this long sleeve top in soft cotton features a comic print. A practical easycare style

Luxury Pure Wool Tweed Single Breasted 2 Button Jacket, at Marks and Spencer
Beautifully designed, made from superior fabric and finished with careful attention to detail, this 2 button jacket is exceptionally stylish and luxurious

Pitter Patter Text New Baby Card, at Mark's & Spencer
Cover text: Congratulations Tiny fingers, tickly toes, bouncy baby, button nose Inside message: With love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 340 x 140mm

Autograph Pure Cotton Spot Print Dress, at M & S
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

Fern Embroidered Cushion, at Marks & Spencers
L30 x W40cm Embroidered fern design Rectangular shape, Manufacturer: Marks & Spencer

Firm Control No VPL Floral Low Leg Shorts, at Marks n Spencer
Look slimmer in seconds! These firm control shorts gently flatten tummies for a sleeker, slimmer silhouette. They're designed without hems for a smooth no-show look under clothes

Per Una Short Popper Jacket, at M & S
A stylish hooded jacket featuring a water repellent fabric, funnel neck and faux fur trim hood details

Gold Plated Barrel Snake Necklace, at M & S
3 strand design Barrel feature Adjustable length Clasp fastening Necklace length 41cm, extendable by 8cm

Mother of Pearl Photo Frame 13 x 18cm (5 x 7''), at Marks & Spencer
Mother of pearl border Rectangle shape Aperature: 13 x 18cm (5 x 7''), Manufacturer: Marks & Spencer

In Bloom Lime Blossom & Bergamot Foaming Bath Elixir, at Marks and Spencer
Lime and bergamot fragrance Moisture Rich 200 ml This product is not available for international delivery. Find out more

Autograph Pure Cotton Multi Stripe Shirt, at Mark's & Spencer
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Contrast Stitch Cross-Body Bag, at Marks and Spencer
Fashionable, comfortable and secure, this cross-body bag features an adjustable strap and turn lock feature. A practical and stylish accessory

Divan Sets - F400Z+L NS SUEDE, at Marks & Spensers
Manufacturer: Marks & Spencer

Autograph Floral Embroidered Cardigan, at Mark's & Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Petite 3/4 Sleeve Pintuck Tunic, at Marks and Spencer
Pretty and feminine, this longline tunic is made from softly draping stretch viscose for a fluid look. The floral print adds a fashionable finishing touch. Specially designed and perfectly proportioned for the petite frame

Pure Cotton Long Sleeve Mini Check Shirt, at M & S
Smart and stylish, this long sleeve shirt is made from cool comfortable cotton and features mini check design

Handcrafted Pink Blossoms Large Mother's Day Card, at Mark's & Spencer
Cover text: To a Special Mum Inside message: Just to say how special you are to me Approx size: Unfolded: 220 x 220mm

5 Older Girls' Pure Cotton Snoopy Shorts, at M+S
Fun and fabulous, this 5 pack of cotton shorts feature assorted Snoopy designs

Knee Length Stripe Skater Skirt, at Marks & Spencers
Fashionable and contemporary, this stripe print skirt will take you from office to evening in style. A smart modern choice

Pure Linen Turn-Up Sleeve Pintuck Blouse, at Marks&Spencer
Chic and modern, this turn-up sleeve blouse is made from cool crisp linen and features front pintuck detail

Samsung 37'' LE37A686 HD Ready LCD TV, at Marks and Spencers
HD Ready 1080p: HD 1080p compatible to display High Definition signals in breathtaking quality, i.e. Playstation 3, Blu-ray, etc. HDMI (High-Definition Multimedia Interface) delivers crystal-clear, digital audio and video signals using a single cable. 1080p is the maximum resolution defined for HDTV use Display: 37 inch LCD screen, 1920 x 1080 resolution Contrast: Dynamic contrast 50000:1 Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: 988 x 83 x 610mm (without stand), 988 x 240 x 670mm (with stand) Weight: 19 kg with stand SRS TruSurround XT: For enhanced surround sound effect AV inputs: 4 x HDMI , 2 x scart, 1 x RF Input, 1 x component, 1 x composite, 1 x optical, 1 x USB, 1 x VGA, 1 x headphones and 1 x PC input 2 x S-Video(all inputs at back of TV) DNIe+ Technology: The Digital Natural Image Engine produces images with incredible depth and density. Advanced contrast and detail enhancers combine to produce deeper richer life like colours Wide Colour Enhancer 2: Primary colours are strengthened to increase depth and intensity to show pictures in all their natural beauty Ultra Clear Panel: Retains the same high performance in any light conditions 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: 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 Use wall mount T042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton 'The Muppets' Bodysuit, at Marks & Spensers
Cute and practical, this bodysuit is great value. Popper fastenings and envelope necklines make quick changes easy and the soft cotton fabric will keep her feeling comfy and happy

Embroidered Stripe Underwired Bra, at Mark's & Spencer
Soft and comfortable, feminine and pretty smooth and versatile, this classic bra is ideal for everyday wear. It's underwired and shaped for an uplifted natural look

Cotton Rich Hooded Eskimo Reversible Jacket, at M+S
She'll have two looks in one with this practical reversible jacket. It's warmly padded and made from soft comfortable cotton

Thank You Teacher 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

Handcrafted Floral Wreath Photograph Mother's Day Card, at Mark's & Spencer
Cover text: Happy mother's day Inside message: Have a lovely day Approx size: Unfolded: 150 x 150mm

Autograph Square Porcelain Tumbler, at Marks & Spenser
H11 xW7 x D7cm Square tumbler Stripe design at the base, Manufacturer: Marks & Spencer

There are lots of ways to save money using M&S Financial Services. Not least of these is Marks and Spenser Standard Motor Insurance. With M&S Financial Services 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 Financial Services, 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 Money, you get more, and you pay less.