Shopping for financial products at M&S Money Direct 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 Money Direct 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 and 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 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 Marks and Spencers Standard Motor Insurance. With M&S Money Direct 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 Money Direct, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & Spenser, 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 Marks & Spencers Money, you get more, and you pay less.

M&S Money Direct 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 Direct 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 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 Money Direct UK and European Breakdown Cover, since it covers you as a passenger too.

Pure Cotton Racoon Reversible Hooded Jacket, at Mark & Spencers
He'll have two looks in one with this practical reversible hooded jacket. It's warmly padded and made from soft comfortable cotton

Beau Moulin Rouge 2008 - Case of 12, at Marks and Spencer
Grape variety: 60% Merlot, 40% Syrah Country of origin: France Closure: Screw cap Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Pure Cotton Short Sleeve Assorted Face T-Shirt, at M&S
Cute and comfy, this practical pure cotton t-shirt features assorted face motif. The shoulder poppers make it easier to dress him

Per Una Short Soft Sleeve Top, at Marks & Spensers
A smart short sleeve top in a soft stretch fabric featuring a scoop neck and ruched detail

Sonoma Dark 2-Door Glazed Top Unit & 2-Drawer Sideboard Set, at M+S
2 piece set Top Unit: H110 x W122.5 x D33cm 2 adjustable glass shelves and internal lights with on/off switch Glass doors and shelves are made from safety-tested toughened glass Sideboard: H88 x W122 x D50cm 2 drawers and cupboards, each cupboard has an adjustable shelf Made from solid oak and oak veneer Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Drawer boxes and fronts made from solid hardwood. Drawer bottoms made from White Oak veneer Door frames made from solid wood. Door panels made from White Oak veneer Handles made from solid wood Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Portfolio 3/4 Sleeve Button Trim Top, at Marks and Spencer
Part of Portfolio's Set Sail trend. Fresh and breezy, this sophisticated look features classic styling with vibrant accents of summertime pinks and blues. Feminine and coordinated designs for the new season

Die Cute Sneakers Nephew Birthday Card, at MarksandSpencer
Cover text: Nephew, Happy birthday! 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. 175 x 127 mm

Silver Plated Twist Drop Earrings, at Marks & Spencer
Hook fastening Drop style Twist design For hygiene reasons, refunds will only be given in accordance with your legal rights

Scoop Neck Jumper Dress with Cashmere, at Marks and Spencer
A touch of cashmere adds luxurious softness to this smart jumper dress. A glamorous modern look

Sleeveless Chambray Shirt Dress, at Mark & Spencers
Fashionable and modern, this chambray dress features button fastening and a tie waist detail. A flattering, stylish look

3 Pairs of Cotton Rich Argyle Socks, at Marks & Spencer
These classic cotton rich socks are soft, breathable and comfortable. Added stretch gives a great fit

Cashmilon™ Foil Print Tasselled Scarf, at Mark's & Spencer
Keep warm, cosy and stylish in this fashionable foil print tasselled scarf made from supersoft cashmilon™

Gold Plated Filigree Gem Pendant Necklace, at Marks&Spencer
Rope style necklace Filigree gem pendant Clasp fastening necklace with adjustable length Necklace length 41cm

Earth Spa Soothing Flower Milk Bath, at Marks and Spencers
250ml With elements from around the globe to restore, replenish and pamper With jasmine, lotus flowermilk ans essential oils of bergamont Rose & orange flower to moisturise and relax

Per Una Speziale Long Wear Pressed Powder, at Mark's & Spencer
Long wear, light diffusing pressed powder Lasts for up to 16 hours Hypoallergenic 11g

T397718, at Marks and Spencers
Manufacturer: Marks & Spencer

Single Glasses - MAXIM WINE SGL, at Marks and Spencer
This eye-catching wine glass combines an elegant, simple stem with a burst of colour on the body

Autograph Cotton Rich 3 Piece Waistcoat Outfit, at Marks & 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

12 Cup Muffin Tray, at Marks & Spencer
Ideal for baking sweet or savoury muffins Heavy gauge easy to clean bakeware Premium non-stick coating Soft grip handles L18 x W26.5cm, Manufacturer: Marks & Spencer

Beaded Wire Necklace & Earrings, at Marks & Spencer
Multi-strand necklace with adjustable length Disc design Hook fastening drop earrings

Oscar Cot Bed & Open Coil Sprung Mattress Set, at Mark & Spencers
2 piece set Cot Bed: H89 x L147 x W82cm Cot under bed drawer: H12.5 x W132.5 x D65cm Cot converts into a junior bed suitable for children up to age 5 Cot has fixed sides with 3 optional height positions for the base Mattress: Spring count 90 - L140 x W70 x D15cm Mattress has hygienic, moisture-resistant covering and fully conforms to current safety standards All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings 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 , Manufacturer: Marks & Spencer

Per Una Pure Cotton Spot Print Kimono, at Marks and Spencer
Modern and feminine, this pretty kimono is made from soft cotton so you can relax in comfort and style. Part of Per Una's sleepwear collection

Robbie The Racing Car Book, at Marks & Spencers
Build the jigsaw track, wind Robbie up and watch him go ! This fun storybook has lots of things to spot, plus an amazing press-out jigsaw track and a wind-up car to play with

Gold Plated Knot Stud Earrings, at M+S
Butterfly stud fastening Knot design Diamant detail

Charlotte Armchair, at Marks and Spencer
H94 x W93 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 Castors on feet to protect your flooring 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

Non Iron Long Sleeve Bold Bengal Stripe Shirt, at Marks and Spencer
Smart and innovative, this easycare shirt has a special finish on the fabric and is cleverly constructed to make it non-iron. A great time saver, ideal for work wear

Moulton Console Table, at M&S
H86 x W95 x D32cm 2 shelves Glass top Glass table tops are made from safety-tested toughened glass Made from solid ash and ash veneer All wooden shelving is finished with a starburst veneer effect 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 manufacturers instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Collezione Pure Silk Floral Tie, at Marks & Spencer
Combining classic silk quality with a contemporary design, this stunning tie will make a valuable and versatile addition to your formal wardrobe. Made in Italy

M&S 15'' LCD TV with Built-in DVD Player - Blue, at Marks&Spencer
Display: 15 inch flatscreen, 1280 x 800 pixels Contrast Ratio: 400:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: H34.5 x W38 x D17.5cm Sound: Nicam stereo Connectors 1 x HDMI input, 1 x Scart socket DVD Player: Built-in Dynamic Contrast Ratio: 2000:1 Use wall mount T042100 to perfectly mount this TV

Per Una Longline Animal Print Top, at M+S
A gorgeous animal print top featuring ruched neck and sleeve, lace detail makes it extra stylish

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 Direct financial products are, of course, designed to make Mark's & 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, 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 Direct 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 Direct Property Insurance than you will anywhere else, and you may even pay less with M&S.