Shopping for financial products at M&S Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spenser 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 Property 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 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 Property 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 Property 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.

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's & 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 Money UK and European Breakdown Cover, since it covers you as a passenger too.

Limited Collection Asymmetric Strap Shoes, at Mark's & Spencer
Almond toe Asymmetric strap Faux snake print High heel Heel height: 85mm Comes in sizes 3-8, including half sizes

15 Denier Ladder Resist Sheer Shine Hold Ups, at Marks and Spencer
An M&S exclusive. Extra stretch is added to every stitch of these sheer shine hold ups to stop ladders from forming

Hastings 3-Drawer Chest, at Marks & Spensers
H82 x W86 x D44cm 3 drawers Crafted predominantly from solid pine and fibreboard All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered. Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturer's instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Union Jack Keyring, at Marks & Spensers
You'll never lose your keys again with this eye-catching Union Jack keyring

Limited Collection Contrast Trim Tote Bag, at M+S
Fashionable and fabulous, this contrast trim handbag is designed in one of this season's key shapes. It's strong and practical as well as a trend-conscious accessory. Get the latest look!

5 No VPL High Leg Briefs, at Marks and Spencer
For the ultimate no-show look, these stretchy modern briefs are perfectly smooth. They don't dig in and there are no irritating labels, so they feel incredibly comfortable to wear

Pure Cotton Short Sleeve Floral Check Shirt, at Marks and Spencers
Fashionable and versatile, this cotton short sleeve shirt is ideal for smart casual dressing and looks great layered over a t-shirt

Mixed Bead Necklace & Earrings Set, at Marks&Spencer
2 part set Adjustable length mixed bead necklace with clasp fastening Hook fastening drop earrings with mixed bead design

Floral Print Dress & Bolero, at Mark's & Spencer
Feminine and pretty, this 2 piece dress and bolero has a floral print and bow tie feature. A fabulous fashionable look to the contemporary woman

Jarhead Blu-Ray DVD, at Marks and Spencer
Rating Suitable for 15 years and over,

Pinstripe Padded T-Shirt Bra, at M & S
Sleek and contemporary, this soft pinstriped bra gives a perfectly smooth outline under clothes. Light padding and underwiring give an enhanced natural shape. Designed for a streamlined silhouette

3 Pure Cotton Assorted Words Tea Towels, at Marks & Spenser
3 part set Assorted words designs, Manufacturer: Marks & Spencer

Satin Trim Camisole, at Marks & Spencers
A simple design provides the perfect finish to the snug, easy to care for fabric of this wardrobe staple. Ideal for sleeping, layering under your favourite tops or simply wearing on its own

Happy Ever After Text Wedding Card, at Marks and Spenser
Cover text: Happy ever after Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 126 mm

Pima Cotton Long Sleeve Tie Front Top, at Marks and Spenser
Chic and modern, this fashionable tie front top is made from supersoft fabric that looks and feels great. Modern styling details give a contemporary edge

Linen Blend Stitch Detail Shorts, at Marks and Spencer
Cute and sassy, these easy-fit linen shorts are relaxed and casual. Stitch detailing adds a stylish finishing touch

2 Pairs of Cotton Rich Plain Knee High Socks, at Marks and Spencers
These cotton rich knee high socks make a comfy and warm way to add a touch of style to this season's outfits. Added stretch and a reinforced toe gives durability and comfort

Autograph Pure Cotton Sequin Detail Cardigan, at Marks and 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

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

Secret Support™ Sports Mules, at M&S
The ultimate in comfort, these sport slippers are made with hidden support that moulds to the natural contours of your feet. They are machine washable for added convenience

Older Boys' Shark Embroidered Swim Shorts, at Marks and Spencer
Fun and fashionable, these lined shorts fit comfortably and securely. A shark embroidered design adds a fab finishing touch

Cut Flowers Pot Pourri Box, at Marks & Spensers
Cut flowers frangrance Presented in a box, Manufacturer: Marks & Spencer

Griffin iClear Touch Case, at Marks and Spencers
iClear's transparent and unobtrusive design protects your iPod with a tough polycarbonate shell, strong enough to take the daily abuse of active lifestyles

Via Ulivi Chianti 2008 - Case of 12, at Marks and Spencers
Style: Medium bodied Grape variety: Sangiovese & Canaiolo Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Cuddle Bear Sleeping Bag, at Marks & Spencers
Popper button fastening Embroidered bear design Tog rating 2 0-6 months: L68 x W47cm 6-12 months: L68 x W54cm, Manufacturer: Marks & Spencer

Per Una Pure Cotton Embroidered Crepe Blouse, at Mark & Spencers
A delicate embroidered crepe blouse in pure cotton, the front pleat detail gives it the Per Una touch

Floral Mug, at Marks & Spenser
Floral design, Manufacturer: Marks & Spencer

Beach Towel, at Marks and Spencer
Plain L160 x W90cm, Manufacturer: Marks & Spencer

Spot Fleece Long Sleeve Dressing Gown, at Mark's & Spencer
Wrap up and relax in this soft dressing gown featuring spots for a pretty look

Jet Graduated Bead Necklace, at Marks & Spencer
Bead feature Clasp fastening Necklace length 49cm, extendable by 5cm

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 M & S 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, Property Insurance policies. Usually, UK Property 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 Property 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 Property Insurance than you will anywhere else, and you may even pay less with M&S.