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

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

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

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. M&S Finance 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 Finance 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 Finance Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

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

Mini Wordsearch Puzzle Book, at Marks and Spencers
Youll need a good eye and concentration to find all the listed words in a wordsearch puzzle, because they run backwards as well as forwards, either horizontally, vertically or diagonally but always in a straight, uninterrupted line. In fact, once you start a puzzle, youll want nothing to interrupt the fun !

Philips ID9372B Cordless Phone with Answering Machine, at Marks & Spencer
250 name and number phonebook 50 SMS storage capacity 30 call log entries 15 minutes recording time Plug and play answering machine Call waiting Tone and pulse dialling Enhanced speakerphone for real-life hands-free conversations Free intercom Registers up to 4 handsets to one base White backlit inverse display SIM-card copying facility GAP compatible Caller ID and microphone mute feature

Multi Strand Twist Necklace, at Marks and Spencers
Clasp fastening Adjustable length Multi strand style Twist design Assorted beads Necklace length 49cm, extendable by 8cm

Grace Dinner Plate, at Marks n Spencer
Diam: 27.5 cm Rim detail Leaf print Fine China, Manufacturer: Marks & Spencer

Usoa de Bagordi Organic Joven Rioja 2007 - Case of 6, at M & S
Style: Dry and fruity Grape variety: Tempranillo, Graciano Country of origin: Spain Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Pure Cotton Short Sleeve Stripe T-Shirt, at Marks&Spencer
This short sleeved t-shirt will make a useful addition to your wardrobe. It features smart stripe print for a stylish casual look

2 Older Girls' Snoopy™ Crop Tops, at M&S
A must for fans of Peanuts, these crop tops feature Snoopy™

Autograph Leather Seam Biker Jacket, at Marks & Spencers
Biker jackets are a key look this season, and this leather style makes a fashionable choice

Dotty Record Your Own Message Card, at M+S
Cover text: Mum you're one in a million! Approx size: 160 x 400mm

Pure Wool Lightweight Check Scarf, at Marks & Spensers
Add a fashionable finishing touch to your look with this pure wool check design scarf. The perfect accessory to this season's styles

Autograph Twin Pleat Stripe Morning Trousers, at Marks & Spencers
The tailored cut of these smart trousers reveals a timeless style perfectly suited for refined formality, while twin pleats and stripes add a dash of debonair charm

Beaded Round Tablemat, at Marks and Spenser
Round shape Beaded design Diameter: 32 cm, Manufacturer: Marks & Spencer

Autograph Leather Cross-Body Midi Bag, at Marks & Spencer
Luxurious and beautiful, this cross-body handbag is part of our exclusive Autograph collection. It's made from soft hardwearing leather, and is useful and practical as well as being a highly desirable fashion accessory

Felted Knitted Cushion, at Marks and Spencer
Square shape Embroidered design L50 x W50cm, Manufacturer: Marks & Spencer

Portfolio Pleated Tulip Skirt with Belt, at Marks&Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Blue Harbour Short Sleeve Self Stripe Shirt, at Marks & Spensers
Stylishly smart casual, this self stripe shirt is made from a modal blend so it feels exceptionally comfortable to wear. Modal is a luxuriously soft fabric made from natural plant fibres

Maternity Long Sleeve Empire Cardigan, at M&S
Fashionable and modern, this long sleeve cardigan is designed to flatter you and your bump. A drawstring waist gives a neat, comfortable fit with room for growth. A practical, versatile choice

Rive Barbera d'Asti 2005 - Case of 6, at Mark's & Spencer
Style: Full Bodied Grape variety: Barbera Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml:1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

3 Assorted Boxers, at Marks & Spencers
Fashionable and hardwearing, these boxers offer comfort and reliability at a great value price

Artificial Organic Orchid with Bowl, at Marks & Spencer
Artificial orchid Ribbed bowl No watering required therefore easy care Fresh looking throughout the year Diameter: 48cm, Manufacturer: Marks & Spencer

Pure Cotton Denim Jacket, at Marks and Spencer
Stylish and fashionable, this pure cotton denim jacket makes a comfortable and practical choice

Roberts RD-21 FM RDS/DAB Portable Digital Radio in Silver, at Marks and Spencer
FM/DAB wavebands FM RDS station name display and easy read 16 x 2 character LCD display Menu display/selection of all major functions Search/manual tuning Rotary tuning, volume, bass and treble controls Line output, headphones and AC mains socket Uses 6 x LR20 (D size) batteries (Not included) with up to 150 hours battery life W300 x H180 x D95mm Weight 2kg 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

Bon Bon Table Lamp, at Marks and Spencer
Chrome plated steel Clear glass ball design Fabric shade H38 x Diam 18cm Suitable Light Bulb: 60W E14 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pirramimma Stock's Hill Sauvignon Blanc Semillon 2007 - Case of 6, at Marks & Spencer
Style: Dry Grape Variety Sauvignon Blanc, Semillon Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Per Una Chiffon Neckline Knitted Top with Angora, at Marks and Spencer
An elegant 3/4 sleeve top with fluffy angora featuring chiffon neckline panel

North Coast Pure Cotton Long Sleeve Hooded Sweatshirt, at Marks and Spencer
Fashionable and relaxed, this long sleeve hooded sweatshirt is made from pure cotton it's soft, breathable and comfortable to wear

Newborn Pure Cotton Reversible Jacket, at Mark & Spencers
He'll have two looks in one with this practical reversible jacket. It's warmly padded and made from soft comfortable fleece and cotton fabric

Per Una Floral Lace Underwired DD-G Bra, at Marks and Spencers
Flattering and comfortable, this bra is specially designed for fuller busts. The push up style gives gentle support and a flattering enhanced cleavage

Square Rimless Sunglasses, at M&S
With full UV protection and a flattering modern design, these smart sunglasses will see you through the summer in style

Younger Boys' Permair™ Rip Tape School Shoes, at Marks & Spensers
Square toe Tramline details Riptape fastening strap Flat sole Scuff resistant Easy clean Permair™ micro porous coating makes the shoes scuff- and water-resistant and easy to clean, while allowing feet to breathe

There are lots of ways to save money using M&S Finance. Not least of these is Mark & Spensers Standard Car Insurance. With M&S Finance 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 Finance, which also has other features.

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