Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the M+S 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 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 Mark & Spensers, 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.

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 and 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, Sainsburys, or Tescos 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.

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

Girls' Limited 3 Piece Tunic Outfit, at Mark's & Spencer
Part of Girls Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Kaituna Hills Chardonnay 2008 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: Chardonnay Country of origin: New Zealand Closure: Screw cap Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Multi Bead Stretch Bracelet, at MarksandSpencer
Multi bead design Stretch style

My First Rattle & Teether, at Marks & Spencer
Every baby needs a teether to soothe them as they grow. This brightly coloured key ring features 3 fun 'keys'; A for apple, B for bee and C for car! The 'keys' are textured for interest and variety and the key ring features a safe hook and loop attachment to secure the toy to a pram or highchair. With a fun melody and 'beep beep' noise at the press of a button, your child is sure to love this exclusive toy!

Limited Collection Short Sleeve Jumper, at Mark & Spencers
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Limited Collection Quilted Toe Cap Shoes, at Marks and Spencer
Court style Almond toe Quilted toe cap and heel Single strap buckle fastening Mid heel Heel height: 72mm Comes in sizes 3-8, including half sizes

Short Sleeve Faux Snake Print Belted Shirt, at Mark & Spencers
Chic and modern, this short sleeve shirt features a stunning faux snake skin design. A vibrant new look, perfect for this season

7 Denier Ladder Resist Ultra Sheer Tights, at M&S
Our new innovation in fabric technology incorporates stretch into every single stitch to create an even, lightweight design and comfortable fit that's ladder resistant and simply a dream to wear

Autograph Essentials Bootleg Trousers with Wool, at Marks and Spencer
Part of Autograph Essentials - a collection of luxurious and timeless wardrobe must-haves featuring premium design and sophisticated styling

Stainless Steel Toilet Brush, at M & S
Plain H39.5 x 10.5cm diam, Manufacturer: Marks & Spencer

Easycare Satin Check Short Sleeve Shirt, at Marks & Spensers
This easycare shirt has a smart and cool satin check design. Short sleeves will take the heat off in the summer

Pure Cotton Satin Rose Cream Duvet Cover, at Marks and Spenser
Rouched three dimensional floral panel Slim pleat trim Comes in single (3ft), double (4ft 6'), kingsize (5ft) and super-kingsize (6ft) 100% cotton sateen 300 thread count, Manufacturer: Marks & Spencer

Ultimate Bond Collector's Edition DVD Box Set, at Marks & Spenser
Rating Suitable for 15 years and over,

Autograph Essentials Chevron Print Top, at Marks and Spencer
This sleeveless chevron print top will make a useful addition to your wardrobe. It features pretty gathered front design for a stylish casual look

Per Una Roma Cotton Rich Bootleg Jeans with Belt, at Marks and Spencer
A smart pair of bootleg jeans in stretch cotton featuring a double buckle belt

Nintendo DS™i Console - White, at Marks and Spencers
Packed with features and thinner than ever: 12% thinner than the Nintendo DS Lite with a bigger, brighter 3.25" screen Two 0.3 megapixel cameras, Nintendo DSi enables you to manipulate the images you capture with 11 photo lenses and face recognition technology Nintendo DSi's enhanced sound system means your music collection sounds great with or without headphones Play with sound:Play music on your DS, experiment, record, create and play with sound using the DSi Sound application, while the ability to record voice samples through the built-in microphone then edit them to your heart's content adds another good reason to keep your Nintendo DSi by your side Take your music on the move with Nintendo DSi. By storing aac formatted music on SD cards Motion-activated gaming on the go: Interact with your games and console on the move like never before, with motion-detecting cameras to help you control future games on the console Access a world of new possibilities with Nintendo DSiWare. Available through the Nintendo DSi Shop, Nintendo DSiWare is downloadable content that includes everything from new themes to customise your Nintendo DSi with to unique games. Basic applications, such as the Nintendo DSi Browser can be downloaded for free, while other content can be purchased from the Nintendo DSi Shop in exchange for Nintendo DSi Points Play, share and enhance your DSi experience WiFi online: Download new games and applications from the DSi Shop from cartoon making to a free internet browser and challenge yourself online with DSi's improved connectivity The system can also play most Nintendo DS games, and will have access to a library of more than 850 titles Each DSi comes complete with: one Nintendo DSi System, two Nintendo DSi styluses, one Nintendo DSi AC power adapter, an easy start guide, manuals (basic and controls) and a support booklet Dimensions: W137 x L74.9 x D18.9mm Weight: Approx. 214g (with stylus) Battery specs: Rechargeable lithium ion battery pack, Minimum brightness setting: 9-14 Hrs, Low brightness setting: 8-12 Hrs, High brightness setting: 4-6 Hrs, Maximum brightness setting: 3-4 Hrs (times may vary depending on software) Charging time: Approx. 2 hours and 30 minutes 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

Pure Cotton Short Sleeve Top, at Marks & Spencers
This fashionable top is made from super soft fabric that looks and feels great. Modern styling details give it a cool contemporary edge

Blue Harbour Real Cool & Fresh Polo Shirt, at Marks and Spencers
Our pure cotton polo shirts make summer dressing a breeze. Wear them with shorts and sandals for a perfect warm weather look

Short Sleeve Open Neck Collar Shirt, at Mark's & Spencer
This outstanding value short sleeve shirt makes a stylish addition to your wardrobe. A great fashion choice for everyday wear

Philips ID9371B Cordless Phone with Answering Machine, at Mark & Spencers
250 name and number phonebook 50 SMS storage capacity 30 call log entries 15 minutes recording time Plug and play answering machine Call waiting Tone and pulse dialling Enhanced speakerphone for real-life hands-free conversations Talktime up to 12 hours, standby time up to 140 hours SIM-card copying facility GAP compatible Registers up to 6 handsets to 4 base Caller ID and microphone mute feature White backlit inverse display

Pure Cotton Stripe V-Neck Top, at Marks & Spencers
For casual elegance, you can't beat this v-neck striped top. A great value cotton essential

12-Piece Lyon Dinner Set, at Mark & Spensers
12-piece set Includes 4 dinner plates, 4 side plates and 4 cereal bowls Dinner plate: Diam 28cm Side plate: Diam 21cm Cereal bowl: H8 x Diam 14cm Rib detail, Manufacturer: Marks & Spencer

125 Years Pure Cotton Twill Check Shirt, at Marks and Spencer
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

Medium Glass Pane Hurricane Lamp, at Marks and Spencer
Bevelled glass panes Carry handle W15.8 x D15.8 x H26cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

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

Cotton Rich Bootleg Jeans, at Marks&Spencer
Flattering and fabulous, bootcuts make legs look longer and are kind to curves. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Older Boys' Holiday Flip Flops, at Marks and Spencer
Flat sole Plain

Classic Collection Leaf Print Belted Jersey Top, at Marks & Spenser
Feminine and pretty, this leaf print top will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

Pair of Bay Trees, at Marks and Spencers
A pair of evergreen bay trees for outside display. Also known as Laurel, wreaths of this aromatic plant were used by the Ancient Greeks and Romans to crown victors. Not only will these trees look fantastic in your garden or patio, the leaves will add extra flavour to your cooking tooAvailable for delivery from 1st April to 30th September 2009

Cotton Rich Double Button Skinny Jeans, at Marks and Spencers
Long and lean, skinny jeans are an edgy modern style. This stretchy pair sits below the waist and is cut to fit and flatter. Wear with some volume on your top half to balance the shape and give an even leggier look

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 & Spensers are so useful. M&S Finance financial products are, of course, designed to make Marks&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, 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 Finance 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 Finance Household Insurance than you will anywhere else, and you may even pay less with M&S.