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 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 & Spencers, 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.

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

Autograph V-Neck Colour Block Jumper, at Marks and Spencer
Part of Autograph's Luxe Tradition trend. Luxurious and contemporary with a sense of British heritage, this trend features a soft colour palette, modern prints and beautiful fabrics. A sophisticated look for the new season

Green Floral Quilted Bedcover, at M & S
Quilted design Floral embroiderey, Manufacturer: Marks & Spencer

Faux Fur Trim Hooded Jacket, at Marks and Spencer
Cute and cosy, this hooded jacket is made from soft fabric to keep her feeling comfy

Assorted Bead Multi Strand Necklace, at Marks and Spencers
Clasp fastening Adjustable length Assorted beads Multi strand design Necklace length: 46cm, extendable by 8cm

Per Una Wide Leg Bow Waist Trousers, at Marks and Spencer
A smart pair of wide leg trousers in a soft stretch fabric featuring a bow design on the waistband

Aviator Sport Sunglasses, at Marks and Spenser
With full UV protection and a flattering modern design, these smart sunglasses will see you through the summer in style

50/50 Pleated Bedset, at Marks & Spencer
Pleated design Single set includes duvet cover and 1 pillowcase Double set includes duvet cover and 2 pillowcases, Manufacturer: Marks & Spencer

The Mini Brain Games Puzzler, at Marks and Spencer
Take the challenge of the Mini Brain games puzzler for a total cerebral workout. This tiny book is full of a wide range of brain training puzzles so you can reap the rewards of an exercised and mentally agile mind !

5 Cotton Rich Bikini Knickers, at Marks&Spencer
This pack contains 5 black, white and vanilla colour knickers. To see all 5 pairs, go to "click for zoom and other views" under the photo

Valmont Rouge 2008 - Case of 12, at MarksandSpencer
Style: Medium Dry Grape variety: 60% Grenache, 20% Carignan and 20% Cinsault Country of origin: France Closure: Screw Cap Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Collezione Lambswool Rich Shawl Collar Cardigan, at M & S
Fashionable and contemporary, this shawl collar cardigan is part of Collezione, a sophisticated menswear collection inspired by Italian style https://www.marksandspencerextra.com/video.php?d=162&v=xe353" target="_blank" onclick="s.linkTrackVars='prop9,eVar9,events'; s.linkTrackEvents='event5'; s.prop9='Video: T303925C : Collezione Shawl collar Cardigan with Lambswool'; s.eVar9='Video: T303925C : Collezione Shawl collar Cardigan with Lambswool'; s.events='event5'; s.tl(this,'o','View Video'); if (window.open) {Console=window.open(this.href,this.target,'toolbar =no,location =no,directories =no, status=no, menubar =no, scrollbars =no, resizable =yes, width =725,height =600'); return false;} else { return true;}">

Adored Comfort E-G Embroidered Orchid Bra, at Marks and Spencer
Elegant and pretty, this embroidered bra is exceptionally comfortable. It's underwired and structured to give fuller busts great support and a natural uplifted shape. Feminine everyday lingerie

Mini Limited Pure Cotton Tulip Skirt with Leggings, at Marks & Spenser
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering

Laser Cut Rose Birthday Card, at Marks & Spencer
Cover text: With love on your special day Inside message: Blank for your own message Approx size: 230 x 114mm

Nintendo Wii™ LEGO® Batman™ : The Videogame, at Marks & Spensers
Fight for justice as Batman and Robin or create chaos as The Joker, Catwoman and other villains, as you save or wreak havoc in Gotham City Rocket through sewers and bound across rooftops as you take the fight to the criminals across classic locations in Gotham City Fight on land, sea and in the air using a number of powerful Batman, Robin and villain-controlled vehicles, including the rocket-powered Batmobile, sleek Batboat and stealthy Batwing Enhance the abilities of the Dynamic Duo by unlocking Batman's Demolition, Sonic and Glide suits and Robin's Gravity, Magnetic and Dive suits to help fight Gotham's villains Play through the game in Story Mode from both the hero and villain sides You must be 7 years of age or over to purchase this product 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 *Must be returned with the tamper seal intact for full refund, Platforms: Nintendo Wii, ESRB Rating: Everyone 10+

Artificial Crystal Twig in Glass Tank, at Marks & Spencers
Artificial crystal twigs Glass tank No watering required therefore easy care Fresh looking throughout the year Height: 72cm, Manufacturer: Marks & Spencer

Patch Jacquard Throw, at Mark & Spencers
Jacquard design Tasselled trim, Manufacturer: Marks & Spencer

Girls' Fashion Schoolwear - 2 Pure Cotton Short Puff Sleeve Blouses, at Marks & Spencers
This 2-pack of short puff sleeve blouses makes a practical and fashionable choice for school. Hardwearing and easycare

2 Cotton Rich Lace Trim Vests, at Marks n Spencer
Stylish and practical, this pack of 2 vests makes a great value way to stock up your underwear drawer. The stretch cotton fabric is the ideal choice for everyday wear and gives a comfortable flattering fit

Autograph Pure Cotton Short Sleeve Paisley Stripe Shirt, at Marks and Spencers
Stylish and contemporary, this stripe shirt is part of our luxurious Autograph collection. The fabric has been created exclusively for us to tie in with this season's key looks, so you wont find it anywhere else

Reece Wardrobe, at Marks and Spencer
H205 x W115 x D58cm With 1 hanging rail and 1 shelf Assembled for you in the home This product is not available for international delivery. Find out more SAVE ON SETS Save at least 25% when you buy this wardrobe as part of a set. Click here to view the Reece Collection Set. Click here to view the internal layout of this furniture, Manufacturer: Marks & Spencer

Stripy Mortar Board Graduation Card, at Marks and Spenser
Cover text: Well Done! On your graduation Inside Message: Blank for your own message Approx. Size: 150 mm x 150 mm

Ceriso Frill Dot & Bow Push Up DD-G Bra, at Marks & Spencer
Feminine and fashionable, this modern push up bra features an intricate fril trim. It's underwired for extra support and the padded plunge style gives a fabulous enhanced cleavage for a push up effect. Designed for women who want the latest look

Blue Harbour Cotton Rich Stretch Denim Jeans, at Marks & Spencers
Relaxed and casual, these straight leg jeans are made with stretch for comfort and ease of movement

Long Sleeve Metallic Finish Hooded Parka, at Marks & Spencers
The parka is an essential item that will never go out of style. This cosy easycare style is finished with a glamorous handy side pockets and hood

Formula Calming Night Cream + Vitamin E, at Mark & Spensers
Suitable for all skin types Fragrance free Hypoallergenic 50ml

Collezione Leather Hip Wallet, at Marks and Spenser
Smart, stylish and practical, this leather wallet makes it easy to organise cards, notes and coins

5 Floral Lace Full Briefs, at Marks and Spenser
Offering superior coverage and comfort, these attractive briefs team the flattering look of a low leg with an understated combined lace and plain design. An easycare fabric and added stretch provide a fuss free fit you'll love

Pure Wool Single Breasted 2 Button Plain Jacket, at Marks and Spencers
Don't sacrifice style for comfort this summer. This Pure Wool jacket is specially designed for the warmer months. It's made with a lighter weight fabric, has a softer feel and it features an antibacterial body lining to help keep you feeling fresh

Disney Fairies' Shimmering T-Shirt, at Marks&Spencer
Suitable for ages 5+ Pack of 2 Contains a t-shirt with pretty pre-printed tink design and instructions Develops creativity This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

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 Buildings & Contents 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 Buildings & Contents 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.