Shopping for financial products at M+S 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 M+S Money website:

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

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

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

M+S 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 Motor 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; Motor 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, M+S Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

3 Pure Cotton Sleeveless Rib Vests, at Marks and Spencer
Cute and comfy, these fashionable ribbed vests are made from soft cotton

Animal Alphabet Reward Chart, at Marks and Spencer
7 day chart Wipe clean design Reward stickers

Gold Plated Art Nouveau Pendant Necklace & Earring Set, at Marks & Spencers
2 part set Butterfly fastening stud earrings Clasp fastening necklace with adjustable length Art Nouveau design

Ultimate Non-Iron Pure Cotton Stripe Shirt, at Mark & Spencers
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Animal Print Cardigan, at Marks & Spencer
Fun and fashionable, this cotton blend cardigan features an animal print design. A cute, practical and easycare style

Blossom Tree Embroidered Curtains, at Marks & Spencer
Manufacturer: Marks & Spencer

Per Una 3/4 Sleeve Stripe Cardigan, at Marks & Spencers
A sophisticated 3/4 sleeve cardigan in a chunky knitted fabric featuring a vertical stripe design

Per Una Cotton Rich Hooded Dressing Gown, at Marks&Spencer
Modern and feminine, this pretty hooded dressing gown is made from soft cotton rich fabric so you can relax in comfort and style. Part of Per Una's sleepwear collection

Painted Floral Mother's Day Sheet Wrap Pack, at Marks and Spenser
Contains: 2 sheets and 2 tags Approx size: Each sheet: 495 x 695mm

Per Una Bath Bubbles Con Amore, at Marks n Spencer
500ml

Camouflaged Military Cap, at Mark's & Spencer
Keep your cool in this camouflaged sun hat, a summer and holiday essential

Olympus µ Tough Digital Camera, at Marks & Spencer
Effective pixels: 10 Megapixels, Optical zoom: 3.6 x (WIDE), Digital Zoom: 5 x / 18 x combined with optical zoom LCD: 6.9 cm / 2.7 '', LD backlight boost: Yes, auto focus with contrast detection, Image Stabilisation Mode, Shadow Adjustment Technology, Advanced Face Detection Technology, Smile Shot Number of scene modes: 20 Sensitivity: Auto: AUTO / High AUTO Automatically selected; Manual:ISO 50, 100, 200, 400, 800, 1600 Internal Flash Modes: AUTO, Red-eye reduction, Fill-in, Off Movie Edit, Movie Processing, Image Editing, View Images, View Movie, Still Image Recording, Movie Recording System, Voice Appendage Memory: 42 MB for image data Menu languages in 39 languages, Speaker, DC input, Combined A/V & USB output, USB 2.0 High Speed, Freezeproof up to -10C, Self timer: 12 s Dimensions: W95 x H63 x D22cm Weight: 149 g (without battery and card) 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

M&S 3m Gold HDMI Cable, at Marks n Spencer
3 metre cable 24 carat gold connections HDMI to HDMI Suitable for high definition devices Multiple shielding for minimum interference 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

Real Cool Cotton™ Performance Contrast Pipe Detail Stretch Joggers, at Marks&Spencer
Perfect for active wear, these Real Cool Cotton™ Performance joggers are made from high-performance breathable stretch fabric. They're designed in the latest style for a great fit and essential ease of movement

Slinky Lace Trim Waist Slip, at Marks & Spencers
A practical fashion essential you can't do without! This cling resistant waist slip comes in a variety of lengths. It's a must-have for enhancing the look of your dresses and skirts, particularly those that look see-through under light

Royal Horticultural Society Yellow Watercolour Flowers Blank Card, at MarksandSpencer
Cover text: Just to say... Inside message: Blank for your own message Approx. size: 150 x 150mm About the RHS: The RHS is dedicated to advancing horticulture and helping all gardeners. An interest in gardening is all you need to enjoy being a member of the RHS. For more information call 0845 130 464, or visit www.rhs.org.uk

Younger Girls' Dora Swim Bag, at Marks & Spenser
Fashionable and practical, this swim bag features drawstring fastening. It's easy to carry and there's lots of room for all the essentials

Floral Polka Dot Wedding Guest Book, at Mark & Spensers
Wedding guest book Gift box Guest book: H210 x W290mm Gift box: H225 x W305mm

Leather Roll Bar Belt, at Marks & Spencers
Add a smart finishing touch with this leather roll bar belt

Autograph Leather Wingtip Derby Shoes by Jeffery-West, at Marks and Spencer
Designed exclusively for Autograph by Jeffery-West Square toe Lace up 2 eyelets Punched hole and stitch detail Block heel

Footglove™ Leather Wide Fit Shoes, at Marks & Spenser
Round toe Buckle fastening Low heel Heel height: 16mm Comes in sizes 3-8, including half sizes Footglove™ soles are comfortable, highly flexible and lightweight

No VPL Floral Border Thigh Slimmers, at M & S
Look slimmer in seconds! These clever slimmers gently shape tums, thighs and bums for a smooth, sleek silhouette

Jumbled Numerals Wall Clock, at Marks and Spencer
Round face Jumbled numerals Metal case H30 x W30 x D5cm Weight: 0.75kgs 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 , Manufacturer: Marks & Spencer

Spot Print Bow Dress, at Marks and Spencer
Fashionable and practical, this cute dress features spot print. It's made from soft fabric to keep her comfortable and happy

Per Una Modal Rich Short Sleeve Diamond Top, at Marks and Spencer
A fashionable short sleeve top in soft stretch modal featuring chiffon diamond embellishment

TomTom GO 540 Live Satellite Navigation System with LIVE Services, at Marks and Spencers
Access TomTom LIVE services A real-time connection to the latest traffic information straight to your device. Automatic updates also provide real-time safety camera alerts, fuel prices, weather, and Google search for local shops and businesses. Updates are sent directly to the SIM card of your TomTom device - no need to activate anything or connect a mobile phone Maps: Full door to door maps of the UK & ROI are pre-loaded Display: 4.3" widescreen 16:9 format LCD (WQVGA: 480 x 272 pixels) LIVE Services: Your navigation experience got even smarter! You are connected to real-time information with premium services like HD Traffic, Safety Alerts, Local Search with Google and Fuel Prices so you always have access to useful and relevant information en route IQ Routes™ technology: Calculates your routes based on the real average speeds measured on roads. This will always provide you with the smartest route hour-by-hour, day-by-day, saving you time, money and fuel Voice command and control The latest in speech recognition technology lets you control your TomTom GO using voice commands. From planning a route to making a call, over 100 tasks are easily activated by voice, making your drive smoother and safe TomTom Map Share™ technology: Make corrections to your own map and benefit from thousands of corrections made by TomTom users every day - free of charge Latest map guarantee: Your device houses our best maps and our latest map guarantee makes you right up to date. If we release a new version of your device's map within 30 days of your purchase, you can download that map for free via TomTom HOME Active Dock: Gives you easy docking and charging to optimise your TomTom GO for daily use Plug & Go: No installation needed, works straight out of the box Battery: High quality lithium-polymer battery giving upto 3 hours autonomous battery life Sound: Echo cancellation and noise reduction give you excellent sound quality when calling hands-free. The high quality speaker Get voice instructions and enjoy songs and hands-free phone calls with remarkable sound quality at the volume that you want Extra Features: QuickGPSfix™, TomTom HOME desktop software, Bluetooth remote control (optional), 1GB internal flash memory and a microSD card socket compatible with microSD cards Dimensions: W127 x H85 x D23mm Weight: 224g 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 Please note: TomTom LIVE Services is a subscription service. A free 3 month trial is included TomTom Ticket 2 Drive savings when you purchase this product before 30th September 2009. Click here for more information

Autograph Adjustable Floor Lamp, at M&S
Adjustable Blackened chrome plated steel Round Base H132 x Diam 80cm Bulb: GX53 or 9W CFL, Manufacturer: Marks & Spencer

Value Hard Luggage, at M+S
Free 3 year guarantee on Value Luggage Built for durable practicality, this rollercase features a robust ABS outer shell and locking trolley system to ensure your belongings are safely secure and easy to transport

Cashmilon™ Long Sleeve Cardigan, at Marks & Spencer
Fashionable and flattering, this long sleeve cardigan is made from supersoft cashmilon™ and features a button fastening

Older Boys' Pure Cotton Plain Vest & Slip Sets, at Marks & Spencer
Comfortable, practical and fashionable, these vest and slip sets are made from soft breathable cotton

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 Spencer are so useful. M+S Money financial products are, of course, designed to make Marks and Spenser 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 M+S 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 M+S Money Home Insurance than you will anywhere else, and you may even pay less with M&S.