Shopping for financial products at M&S Finance 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 Finance 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 and Spencer, 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.

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

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Mark's & 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 Motor Insurance from M+S Money, you get more, and you pay less.

M&S Finance 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 Finance 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 Marks & 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 Direct:

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

Formula Combat Cellulite Crème-gel, at Marks & Spencers
Increases skin firmness and elasticity Lifts and tones Redefines your silhouette Suitable for all skin types In 4 weeks cellulite is noticeably reduced and your skin's surface is improved 200ml

50/50 Bed Linen - Flat Sheet, at M&S
Single: L260 x W178cm Double: L260 x W228cm King size (5ft): L275 x W275cm Super king size (6ft): L275 x W310cm Plain dye bed linen Easy to iron Plain fabric (no design) Care instructions: Machine washable, Tumble dry Composition:50% cotton, 50% polyester, Manufacturer: Marks & Spencer

Older Girls' Visor Sunglasses, at Marks and Spencer
Fun and fashionable, these sunvisor style sunglasses give 100% UV protection for safer style in the sun

Mandolin Grater, at Marks n Spencer
4 grating and 3 chipping stainless steel blades Vegetable and cheese holder Double extendable stands Dimensions: L42cm x W18cm x H11cm Criminal Justice Act 1988 (as amended): please note we are not permitted to sell a knife or blade to any person under the age of 18 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Dressing Up Age 4 Birthday Card, at Marks & Spencers
Cover text: Happy Birthday 4 Inside message: Happy 4th birthday Hope your day is as special as you are! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 127 mm

Contrast Stitch Suede Trainers, at Marks & Spencers
Round toe Contrast stitch detail Lace-up Eyelets Contrast flat sole

Perfect Autograph Weekend Satin Honeycomb Print Pyjama Bottoms, at Marks and Spencer
Loungewear goes glamorous with these gorgeous pieces in slinky satin and soft modal. Who needs to get dressed, anyway ?

Autograph Pure Silk Spot Tie, at MarksandSpencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Luxury Pure Silk Hill Tie, at Mark & Spencers
Add a luxurious finishing touch with this contemporary patterned tie in pure silk

Footglove™ Leather Widefit Wedge Pumps, at MarksandSpencer
Round toe Stitch detail Slip-on Wedge low heel Wide fit Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Reece Wardrobe, at Marks & Spenser
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

Sony Bravia RHT-G800 Home Cinema Surround Sound System, at Marks and Spencers
S-Force PRO Front Surround Technology: 5.1 channel virtual surround sound from just two front speakers and a subwoofe Controls: Touch sensor Vibration-cancelling subwoofer: For superb bass without disturbing the neighbours Connection: Inputs to connect DVD player, set-top box and games system BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button Connectors: 2 x HDMI In, 1 x HDMI Out, 3 x Opt Digital In, 1 x Coax Digital In, 1 x Composite In Audio/Video Weight: 59kg Dimensions: W111.4 x H49.5 x D40 cm For televisions up to 52'' DVD player and TV not included 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

Petite Short Sleeve Ruffle Neckline Top, at Marks and Spencers
Pretty and feminine, this scoop neck top is made from softly draping stretch viscose for a fluid look. The ruffle neckline adds a fashionable finishing touch. Specially designed and perfectly proportioned for the petite frame

1000 Places to See Before You Die by Patricia Schultz, at Mark's & Spencer
This title describes 1000 "must-see" spots, from beaches to museums to cathedrals to bustling markets, grand hotels to backwater inns, rugged safaris to the most pampering spas. It includes addresses, phone and fax numbers, websites, costs and best times to visit with subject-specific indexes

4 Oslo Tall Tumblers, at M&S
Set of 4 Dishwasher safe H15cm, Manufacturer: Marks & Spencer

Small Kangaroo Soft Toy, at Mark & Spensers
Suitable for ages 0-3 years Approx 21cm This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Animal Print Band Hipster Bikini Bottoms, at Marks & Spenser
Modern and sassy, these stylish bikini bottons feature a striking animal print band. The ultimate in poolside glamour

Blue Energy Eau de Toilette, at Marks and Spencers
100ml Eau de Toilette Natural spray This product is not available for international delivery. Find out more

Lyon Pasta Bowl, at Marks and Spencer
Rib detail Diam 22.5cm, Manufacturer: Marks & Spencer

Pure Cotton Pinstripe Jacket Outfit, at Marks&Spencer
Perfect for smart occasions, pinstripe jacket outfit makes a fashionable and practical choice

Formula for Skincare Men Skin Recovery Stick, at Marks and Spencer
Soothes Repairs 10 ml

Divan on Legs & Autograph F500 Latex Pillowtop Mattress - Medium, at Marks and Spencers
Single mattress (3ft): W90 x L190cm Double mattress (4ft 6in): W135 x L190cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 28.5cm Divan height: H31cm Highly responsive pocketed springs Mattress features deep pillowtop layer of Talalay latex and luxurious white fibre Mattress also features two further layers of cotton and resilient white fibre for additional support Double row of hand side-stitching to add support to the edges Mattress spring count: 1225 All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are 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

Perfect Rose Net Tights, at Marks and Spencer
For an instant fashion update, just pull on a pair of these rose print net tights. They'll see you all the way through winter...

Unforgettable Things to Do Before You Die, at Marks and Spencer
Following the success of "Unforgettable Places to See Before You Die", this is the second title in an exciting new series of books that will help you search out essential sights and experiences around the world. In "Unforgettable Things to Do Before You Die", international travel writers and photographers Steve Watkins and Clare Jones draw on their years of experience to select forty of their favourite trips of a lifetime. This book isn't a travel guide, nor is it definitive, but it will introduce you to a host of unusual and amazing activities to be done in fabulous destinations during a break of two weeks or less.

Royal Jelly & Pure Honey Bath Oil, at MarksandSpencer
Pour under warm, running water to create a luxurious foaming bath 400ml

Autograph Pure Linen Suit Trousers, at Marks & Spencers
Perfect for smart occasions, these classic linen suit trousers make a fashionable and practical choice

Apple iPod® Nano Lanyard Headphones, at Marks and Spencer
Bud style earphones Only compatible with 2nd and 3rd generation iPod Nano Plug the lanyard into the dock connector, put it around your neck and you're off 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

Autograph Bead Trim Halterneck Bikini Top, at Marks & Spencer
Luxurious and exclusive, this glamorous bikini is beautifully designed in a flattering, fashionable silhouette for the ultimate in style. It's made from soft, comfortable fabric and finished with careful attention to detail

Georgian Antique-Brass Headboard, at Marks & Spencers
Headboard H84cm Single: W94cm Double: W142cm King size (5ft): W155cm Super king size (6ft): W185cm Antique-brass effect Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

North Coast Pure Cotton Short Sleeve Check Shirt, at Marks and Spenser
Relaxed and stylish, this check shirt is made from pure cotton so it feels soft and comfortable to wear

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