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

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

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

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

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 Financial Services financial products are, of course, designed to make Marks and Spenser 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, Household Insurance policies. Usually, UK Household 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 Financial Services Household 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 Financial Services Household Insurance than you will anywhere else, and you may even pay less with M&S.

The Knee Length Zig Zag Stripe Bow Skirt, at Marks and Spencer
Figure-hugging and super flattering, this striking skirt features an origami style bow for a catwalk-inspired feel. Geometric stripes give it an edge

All Reds - Case of 12, at Marks and Spenser
2 La Tentation de Richelieu 2005: A powerful Bordeaux red which offers a wonderful combination of traditional flavours with ripe fruit concentration... 2 Chianti Riserva 2004: With its subtle, engaging flavours of sour cherry, dark chocolate and baked herbs, this is classic Chianti made in a highly approachable style... 4 Turn the Table Shiraz 2007: A deliciously juicy, fresh style of South African Shiraz that sets a new quality standard for affordable Cape reds... 4 El Tidon Tempranillo Cabernet Sauvignon 2008: A fresh and deliciously fruity red blend from the sunny vineyards of Castilla La Mancha in central Spain... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Per Una Pure Cotton Crinkle Blouse, at Marks n Spencer
A stylish cap sleeve blouse in pure soft cotton. Lace details give it the Per Una touch

Royal Jelly & Pure Honey Moisture Rich Handwash, at Marks & Spensers
Handwash Moisturising 200ml

Gold Label Sauvignon Blanc 2008 - Case of 12, at Marks and Spencers
Style: Dry Grape variety: Sauvignon Blanc Country of origin: France Closure: Screw cap 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

Le Moulin des Cossardières Muscadet Sèvre et Maine Sur Lie 2007, at Marks and Spenser
Style: Dry Grape variety: Melon de Bourgogne Country of origin: France Closure: Synthetic closure 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

Autograph Pure Wool Single Breasted 2 Button Stripe Jacket, at Mark's & Spencer
The only choice for the sharp dresser: Autograph's stylish designer-quality collection boasts the finest fabrics and closest attention to detail for an impeccable contemporary look

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

Charlotte 3-Seater Sofa, at M+S
H94 x W205 x D96cm Seat H50cm, arm H63cm, top back rail H77cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Feet are castors All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Volpaia Balifico 2004 - Case of 6, at Marks & Spencer
Style: Dry Grape variety: Sangiovese, Cabernet Sauvignon Country of origin: Italy Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 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 Pure Cotton Floral Minishirt, at Mark's & Spencer
Modern and feminine, this pretty floral print minishirt is made from soft breathable cotton so you can relax in comfort and style. Part of Per Una's sleepwear collection

Plain Swimming Trunks, at Marks and Spencers
Perfect for holidays or school swimming lessons, these practical trunks are outstanding value

Halterneck Beaded Swimsuit, at Mark's & Spencer
Fashionable and flattering, this glamorous swimsuit features beaded detail. A stylish modern look

Baby Gift Card, at M&S
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Grow Your Own Fruit by Carol Klein & The Royal Horticultural Society, at M & S
In this book TV presenter and highly-regarded gardener Carol Klein creates a lavishly illustrated, practical and inspiring beginner's handbook to everything anyone ever needs to know to grow fruits all year round

Soft Grip Turner, at Marks and Spencers
Soft grip handle Loop in the handle for hanging, Manufacturer: Marks & Spencer

Autograph Fold Over Flap Purse, at Marks n Spencer
Luxurious and beautiful, this purse is part of our exclusive Autograph collection. It's made from glossy hardwearing leather, and is useful and practical as well as being a highly desirable fashion accessory

Airflex™ Longer Length Lace-Up Leather Trainers, at Marks and Spencer
These shoes are specially designed with the Airflex™ sole system using the latest technology to provide your feet with utmost comfort, support and grip

Pure Cotton Block Stripe Hooded Top, at Marks and Spencer
Relaxed and casual, this comfortable hooded top is made from pure cotton and features a block stripe design. A great value easycare style

Autograph Plain Tie, at Mark's & 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

Ruby Teapot - Red, at Marks & Spenser
Suitable for everyday use Stripe design Detachable lid H15cm 6 cup capacity, Manufacturer: Marks & Spencer

Learning Cubes, at Marks and Spencer
Assorted colour cubes Suitable for ages 0-3 years Encourages activity and develops interactive play This product conforms to EN71 and the Toy Safety Directive 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, Manufacturer: Marks & Spencer

Perfect Military Button Bootleg Trousers, at Marks & Spencers
With military button styling, these bootlegs are right on trend for autumn. You'll wonder how you managed without them

Older Boys' Linen Blend Cargo Trousers, at Marks&Spencer
Relaxed and comfortable, these loose fit cotton blend cargos feature multi pockets. A practical easycare style

Autograph Liquid Eyeliner, at Marks & Spencers
Easy-application liquid liner with a fine brush for dramatic eyes Hypo-allergenic

Big & Tall Collezione Luxury Wool Rich Single Pleat Trousers with Cashmere, at Marks & Spencer
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on these trousers to give you a feeling of luxury like no other. Perfectly proportioned for big and tall men

Abbey Corner Chaise - Left-Hand, at M&S
H95 x W291 x D106cm Length L164cm, seat H54cm (all dimensions are approximate) Left-hand chaise - Chaise is on the left side when viewed from the front of the sofa Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Plain Swimming Trunks, at Marks and Spenser
Perfect for holidays or school swimming lessons, these practical trunks are outstanding value

Handcrafted Dan's Mouse Wife Valentine Card, at Marks & Spencers
Cover Text: To my wife with all my love xxx Inside mesage: To my darling Valentine xxx Approx size: 220 x 220mm

M&S Compact Blender, at Marks and Spencer
800 ml capacity 300 watt 2 speeds Pulse button Stainless steel Includes glass jug Dimensions: H32 x W20 x D32cm 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 , Manufacturer: Marks & Spencer

M&S Financial Services 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 Financial Services 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 and Spenser 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, Sainsburys, 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 Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.