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

There are lots of ways to save money using M&S Money Direct. Not least of these is Mark's & Spencer 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 and 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 Finance, you get more, and you pay less.

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

Girls' Limited Panel Dress, at Marks & 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

Classic Non Wired Support Bra, at Marks & Spensers
Soft and comfortable, this non-wired bra gives all-round support and uplift with good coverage, extra wide straps and 3 hook-and-eye fasteners. It's secure but gentle and lightweight, an ideal choice for everyday wear

Collezione Pure Wool Single Breasted 3 Button Jacket, at Marks and Spenser
Italian tailoring is renowned for its sophisticated style. Each collezione suit 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 this garment to give you a feeling of luxury like no other

Per Una 3/4 Sleeve Mock Layer Knitted Top, at Marks & Spenser
A casual 3/4 sleeve knitted top featuring a lace trim and frill button placket. The mock layer makes it extra stylish

Cotton Rich Cropped Trousers, at Mark & Spencers
Fresh and fashionable, these mid calf length trousers look chic with wedges, sandals or flat pumps. The centre pleat adds an extra touch of style

Mantle Clocks - NEW NAPOLEON, at Marks and Spencer
Manufacturer: Marks & Spencer

Limited Collection Water Fade Drop Earrings, at M&S
Hook fastening Drop style Pear design

3 Pairs of Collezione Long Leg Plain Formal Socks, at Marks & Spencer
Exclusively designed for M&S, these smart socks are inspired by Italy and feature a luxury cotton weave for the ultimate in style and sophistication

Autograph 1 Button Plain Jacket, at Marks & Spencers
Our Autograph suits are made from finer fabrics with superior attention to detail, giving you the ultimate in sharp, sophisticated style

7 Pairs Of Freshfeet New Dot Socks with Silver Technology, at Marks & Spensers
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

Classic Collection Round neck Cashmilon™ Cardigan, at M+S
Stylish and so comfortable, this round neck cardigan in softest cashmilon™ feels as good as it looks and the smart 3/4 length sleeve adds the perfect finishing touch

Tiga Nest of Coffee Tables, at Marks and Spenser
Large: H45 x L140 x D46cm (largest) Pair of tables Made from sheesam wood Finished with a protective matt lacquer for added durability 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 manufacturers instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Tiga Collection Set. , Manufacturer: Marks & Spencer

Classic Collection Pure Cotton 3/4 Sleeve Blouse, at M & S
Modern and stylish, this floral print blouse will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

Collezione Single Breasted 3 Button Suedette Jacket, at Marks & 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

Summer Straw Gambler Hat, at Marks & Spencers
The straw gambler hat is perfect for those hot days. The woven straw is gives this hat a unique look as well as being a lightweight summer hat, the wide brim will keep the sun from your eys while the stylish striped band adds a touch of class to this great looking hat

M&S 5.2L Slow Cooker, at Marks & Spencer
5.2 litre capacity 3 settings - low, warm and high Toughened glass lid Cool to touch handles Oval shape 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

Barrel Tumbler, at Marks and Spencer
Barrel design Tumbler style Clear glass H8.5 cm Capacity: 300ml (30cl), Manufacturer: Marks & Spencer

Supremely Washable Dacron® Mattress Protector, at Mark's & Spencer
Soft to the touch and non allergenic, our Dacron filling is machine washable and lightweight Non-allergenic Padded Super-soft Dacron filling Comes in 4 sizes - single, double, kingsize, super king size, Manufacturer: Marks & Spencer

Autograph Cotton Rich 3 Piece Waistcoat Outfit, at Marks and Spenser
Fun and practical, this cute 3-piece outfit features a stripe design. It's made from soft cotton to keep him comfy. With luxury in every detail, this is part of our exclusive Autograph collection

Multi Strand Mixed Bead Necklace, at M & S
Adjustable length with clasp fastening 3 strand style Mixed bead design Length: 41cm Extendable by: 8cm

iPod Classic Leather Case, at Marks & Spencer
Keep your iPod safe and stylish with this leather case. Compatible with all large iPod models, the case is made of genuine premium leather, which looks and feels great

Lone Range Gimblett Gravels Red 2006 - Case of 6, at Marks&Spencer
Style: Dry Grape variety: Mixed Red Country of origin: New Zealand Closure: Screw cap Suitable for vegetarians Bottle: 6 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

Set of 3 Wooden Hair Brushes, at Marks & Spencers
Wooden handle Rounded pins FSC is an independent, non-governmental, not for profit organization established to promote the responsible management of the world's forests FSC Trademark FSC Forest Stewardship Council, A.C. All rights reserved

Per Una Short Sleeve Top with Silk, at Marks & Spensers
A fashionable short sleeved top in luxurious silk mix fabric featuring a tie neck design

Pure Cotton Marcella Stud Dinner Shirt, at Marks and Spencers
Made for your added convenience, this pure cotton shirt is a smart step in the right direction, thanks to a handsome marcella design

Plain Lightweight Underwired Bra, at Marks & Spensers
Sleek and modern, this bra is so light and comfortable you will hardly know you're wearing it. Smooth moulded cups give no visible outlines under clothing. Designed for women who want a streamlined silhouette

Sequin Embellished Jewellery Roll, at Marks & Spencers
Embellished sequin design Inner compartments Ribbon tie fastening

Signature Grapefruit & Ginger Infusion Sticks, at Mark & Spensers
Scented infusion sticks Fragrance lasts upto 8 weeks Glass holder included, Manufacturer: Marks & Spencer

Per Una Speziale Trio Eye Colour, at Marks and Spencer
Use dry for a soft colour finish Use wet for a more intense look 3 colours Hypoallergenic

Valmont White 2008 - Case of 12, at MarksandSpencer
Style: Dry Grape variety: 50% Vermentino, 30% Chenin Blanc and 20% Sauvignon Blanc Country of origin: France Closure: Screw cap Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

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 Money Direct financial products are, of course, designed to make Marks & Spensers 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, Buildings & Contents Insurance policies. Usually, UK Buildings & Contents 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 Direct Buildings & Contents 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 Direct Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.