Shopping for financial products at M&S Money Direct UK website is just as simple as shopping for fashion or furniture at the Mark & Spensers online store. Here are just some of the financial products which can be purchased via the M&S Money Direct 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 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 Money Direct in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Money Direct website.

M&S Money Direct 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 Money Direct 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 & Spencers 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, Sainsburys, 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 Money Direct UK and European Breakdown Cover, since it covers you as a passenger too.

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

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks & 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 Car Insurance from M&S Financial Services, you get more, and you pay less.

Patch Jacquard Cushion, at Marks and Spencer
Rectangular Patch jacquard design L60 x W43cm, Manufacturer: Marks & Spencer

Shepherds Ridge Chardonnay 2008 - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Chardonnay Country of origin: New Zealand Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Bear Collection - Cuddle Robe with Mitt, at Marks and Spencers
75 x 75cm Contrast trim Pure cotton Embroidered bear design, Manufacturer: Marks & Spencer

Per Una Short Sleeve Cornelli Top, at Marks & Spencers
A fashionable short sleeve top featuring cornelli neck embellishment and tie front detail

Autograph Pure Cashmere Knitted Jumper, at Marks & Spensers
Soft and cosy, this Autograph v-neck jumper is made from pure cashmere for the ultimate in luxurious softness.Exclusive, luxurious and beautiful

All Seasons 13.5 Tog Pure Duck Down Duvet, at Mark's & Spencer
Manufacturer: Marks & Spencer

Stormwear™ Faux Fur Multi Pocket Hooded Parka, at Marks & Spencers
Practical and fashionable, this multi pocket hooded parka is treated with Stormwear™ technology, an innovative finish that repels water and stains. Comfortable, breathable, easycare style whatever the weather

Older Girls' Heart Bead Cluster Necklace, at M&S
Adjustable length Clasp fastening Cluster pendants Length: 46cm Extender: 5cm

Relax Photographic Kitten Mum Birthday Card, at M&S
Cover text: Mum, relax and take it easy on your birthday... Inside message: With lots of love Approx size: 150 x 150mm

Luxury Pure Cotton Long Sleeve Fine Check Shirt, at Marks and Spenser
The superior quality, cut and detailing on this luxurious pure cotton shirt are inspired by Jermyn Street tailors. A sophisticated style with a great fit

Pure Cotton Easy Iron Oxford Check Shirt, at Marks & Spencers
Stylish and innovative, this check design easycare shirt is quick and easy to iron for a smart crisp look

Siemens HF26056GB 1000W Built-in Microwave Oven, at Marks & Spencer
27-litre capacity 5 microwave power levels, 3 defrost programs Max 1000W power output Electronic control with clear display H380 x W562 x D450mm (including casing) Stainless steel 34cm glass turntable Left-opening door Fits the top cupboard in the Sonoma Oven Unit. Click here to view the Sonoma Oven Unit

Flat Front Plain Trousers, at Marks and Spenser
Smart and stylish, this suit is outstanding value! It's made from comfortable hardwearing fabric, ideal for everyday wear

Handcrafted Classic Text Mother's Day, at Marks and Spencer
Cover text: Happy Mother's Day Inside message: With love Approx size: Unfolded: 150 x 150mm

Floral Diamanté Centre Ring, at M&S
Floral design Diamant centre

Small Spencer Bear, at Marks & Spencers
Scarf detail Stitch detail on paw pads Suitable for ages 12 months + This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Fresh Rose Scented Spheres, at Marks and Spencer
Assorted decorative fragranced spheres Pot pourri Bag size: 27cm approx height Weight: 250gms approx, Manufacturer: Marks & Spencer

Pure Cotton Stripe Short Sleeve T-Shirt, at Marks and Spencer
A practical, casual top in pure cotton featuring a stripe design. A great value easycare style

Portfolio Cross Over V-Neck Top, at M+S
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Luxury Mattress - Firm, at Marks & Spencers
Single (3ft): W90 x L190cm Double (4ft 6in): W135 x L190cm King Size (5ft): W150 x L200cm Super King Size (6ft): W180 x L200cm Spring count: 2200 Independently pocketed springs in two layers Lambs wool, cotton and loose hair filling Cotton-felt provides a soft-surface with wool holds fillings in place Hand-stitched sides support mattress wall and extend sleeping area Anti-allergy protected for the life of the mattress Does not require turning 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

Pure Cotton Scarf Print Mock Layer T-Shirt, at Marks and Spencers
Smart and modern, this mock layer t-shirt in soft cotton is a practical easycare style

3 Lever-Arm Bottle Stops, at Mark & Spencers
Set of 3 lever-arm bottle stoppers Ideal for sealing opened bottles Integral crown top bottle opener, Manufacturer: Marks & Spencer

Collezione Silk Blend Single Breasted Jacket, at Marks and Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Baby Girl Shelf New Baby Card, at Marks & Spensers
Cover text: Baby girl Inside message: With love Approx size: 150 x 150mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Indian Summer Collection - Pink Filled 1-Wick Candle Holder, at Marks and Spenser
Circular shape Single wick candle Frosted baroque design Glass holder 10.7 x 10.7 x 10cm Burning time: Approx: 50 hours, Manufacturer: Marks & Spencer

5 Cotton Rich Card Suit Print Shorts, at Marks and Spencer
These card suit print cotton rich shorts are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Baron de Pocé Sauvignon Blanc 2007 - Case of 12, at Marks and Spencer
Style: Dry, Medium bodied Grape Variety: Sauvignon Blanc Country of origin: France Closure: Natural Cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by vol: 12.5% 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

Maritza Swirl Necklace, at Mark's & Spencer
Clasp fastening Adjustable length Mixed bead design Necklace length: 100cm

25 Fresh Rose Room Scenters, at MarksandSpencer
Pack of 25 Fresh rose scented Burns upto 4 hours each, Manufacturer: Marks & Spencer

Sony Bravia 32'' KDL-32W5500 HD Ready LCD TV, at M & S
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: LCD Sony Bravia Engine 3 with a 32 inch viewable screen and a display resolution of 1920 x 1080 pixels Dynamic Contrast: 80000:1 Integrated Digital & Cable Tuner: Provides access to all Freeview™ channels and radio stations (subject to coverage) and is cable TV ready (with supported providers only) Dimensions: With table stand: W79.8 x H58.5 x D25.9cm, without table stand: W79.8 x H53.7 x D8.9cm Weight: weight inc. stand 15kg, weight without stand 12.5kg Dolby Virtual Surround and BBE Digital: 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) x 1, HDMI™ Inputs x 4, HDMI™ PC Signal Capability, PC Input (15pin D-Sub) + Audio In, Component Inputs x 1, Composite Video In x 1, 4 Pin (Y/C) In (S Video), USB 2.0 Input, MiniJack (Head/Earphone) 3.5mm, PCMCIA Card Slot, RCA Audio Out, Analogue Audio Inputs x 2, RF In, Scart Inputs (RGB) x 2, BRAVIA Sync, DLNA Ethernet (Video/Music/Photo), AppliCast™ BRAVIA Engine 3: Enjoy images with impressive depth and clarity, optimal contrast, vibrant colours and truer-to life tones with BRAVIA ENGINE 3 24p True Cinema: Shows images at 24 frames per second just like a real cinema screen Xross Media Bar: New Sony interface to enhance the operability and ease of use Picture Frame Mode: Not watching TV? Turn it into a digital photo frame to display your own pictures or the 6 pre-installed images BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button 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

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