Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the Marks and Spencers 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 Car 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.

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 & Spenser are so useful. M&S Financial Services 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 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.

There are lots of ways to save money using M&S Financial Services. Not least of these is M+S Standard Car Insurance. With M&S Financial Services 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 Financial Services, which also has other features.

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

3 Authentic Woven Pure Cotton Assorted Boxers, at Marks n Spencer
Made from soft breathable cotton, these comfy boxers are ideal for everyday wear

Sony Cyber-shot™ DSC-T90S Camera, at Marks and Spenser
Pixels: 12.1 Megapixels Zoom: 4x optical zoom, 8x digital zoom Screen: Large, wide 3.0-inch (230K dot) Clear Photo LCD plus touchscreen with wide viewing angle ISO: Auto, 100, 200, 400, 800, 1600, 3200 Dimensions: W93.6 x H57.2 x D15mm Pitcure 720p HD movie recording captures crisp, detail-packed HD video clips plus stereo sound at 30 frames per second Enhanced Smile Shutter Enhanced Smile Shutter automatically fires shutter when subject smiles: now easier to use with adjustable smile threshold Enhanced Face Detection Enhanced Face Detection with selectable adult/child priority high-speed subject tracking for clearer portraits. Includes Face Motion Detection Intelligent Scene Recognition Intelligent Scene Recognition simplifies shooting by choosing best settings for difficult conditions such as twilight portraits and backlit scenes Optical SteadyShot High sensitivity ISO 3200 and Clear RAW Noise Reduction for high-quality images with reduced blur during handheld shooting in low light BIONZ processor BIONZ processor for enhanced image quality, reduced image noise and fast shooting response Slideshow HD Slideshow with music offers fun image display with effects and music on LCD or connected HD TV 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

Orpale Grand Cru Champagne 1998 - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Winita Mannequin Jewellery Holder, at Marks & Spencers
Mannequin design Multiple hooks H18"

Autograph Modal Blend Pyjama Shorts, at Marks & Spencers
Create your own look by mixing and matching these pyjama shorts with our tops and t-shirts. Great for relaxing in style whether you're heading for bed or just chilling out at home

Floral Foil Cousin Birthday Card, at Marks and Spencer
Cover text: Happy Birthday Cousin Inside message: Blank for your own message Approx size: 150 x 150 mm

Tile Print Crook Umbrella, at Marks and Spencer
Brighten up rainy days with this stylish lightweight umbrella

Cotton Rich Velour Hooded Jacket, at Marks and Spencer
Treat yourself to plush comfort with this super soft velour hooded jacket. Perfect for relaxing or exercising in style

Diamanté Square Photo Frame 13 x 18cm (5 x 7"), at Mark's & Spencer
Rectanglular Aperture 5 x 7in H13 x 18cm, Manufacturer: Marks & Spencer

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

Pure Cotton Floral Combat Trousers with Belt, at Marks & Spencers
Sporty and stylish, these pure cotton combats feature embroidered floral detail. A practical easycare style

Autograph Frill Trim Check Mac, at Mark & Spencers
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

Autograph Bead Trim Tankini Top, at Marks and Spencer
Fabulously fashionable, this flattering tankini is designed in the latest shape. Designed to fit and flatter

Multi Ring Shoulder Bag, at Marks and Spencer
This ring detail bag can be worn on the shoulder or across the body for a contemporary and casual look

Cotton Rich Chunky Knit Cardigan, at Marks & Spencer
Contemporary and casual, this long sleeve cardigan is made with cool comfortable cotton and features a chunky knit for a fashionable look

Floral Polka Dot Wedding Keepsake Box, at Marks & Spenser
Contains: 1 keepsake box Approx size: H290 x W290 x D95mm

Samsung 55'' LE55B650 TV HD Ready LCD Crystal TV™, at Mark's & Spencer
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 55 inch LCD screen, 1920 x 1080 resolution Dynamic contrast ratio: Ultra Contrast Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: W131 x D30.8 x H89.4cm (with stand), W131 x D7.9 x H84.1cm (without stand) Weight: 37.2kg (with stand), 28.8kg (without stand) SRS TruSurround HD: SRS Trusurround HD & Dolby Digital Plus Connectors: 3 x HDMI , 2 x scart, 1 x RF Input, 1 x component, 1 x PC input, 1 x digital audio (Optical), Headphone jack DNIe+ Technology: The Digital Natural Image Engine produces images with incredible depth and density. Advanced contrast and detail enhancers combine to produce deeper richer lifelike colours Wide Colour Enhancer 2: Primary colours are strengthened to increase depth and intensity to show pictures in all their natural beauty Clear Panel Prevents glare to keep images clean and clear Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Crease Resistant Single Pleat Straight Leg Trousers, at Marks & Spensers
Stay smarter for longer with these innovative crease resistant trousers

Autograph Plain Tie, at M&S
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

7 Piece Newborn Pure Cotton Animal Set, at M & S
Ideal for new arrivals, this cute and practical set contains: a jacket, 2 crawler, 2 bodysuits, t-shirt and bib. A great value pack in soft comfy cotton

Ses'fikile Folklore Pinot Blanc 2008 - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Pinot Blanc Country of origin: South Africa Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 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 Heart Charm Drop Earrings, at MarksandSpencer
Stud fastening Floral and heart design Diamant detail For hygiene reasons, refunds will only be given in accordance with your legal rights

Classic Collection 3/4 Sleeve Paisley Print Blouse, at Marks and Spenser
Feminine and pretty, this 3/4 sleeve paisley 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

Younger Girls' Permair™ Butterfly Ballet Style Shoes, at Marks&Spencer
Scuff resistant Water resistant Slip resistant sole Easy clean Round toe Butterfly detail Single elasticated strap Flat sole Permair™ micro porous coating makes the shoes scuff- and water-resistant and easy to clean, while allowing feet to breathe

Leather & Suede Protector, at Marks & Spensers
Rain and stain resistant, this leather and suede protector is ideal for use on footwear, clothing and accessories

Oval Face Bracelet Watch, at Marks & Spencer
Oval face Analogue

Fruity Beauty Citrus Zest Lip Balm, at M+S
Zingy lime balm Soothing effect 10g Ingredients: Polybutene, Ethylhexyl Palmitate, Cera Alba, Caprylic/Capric Triglyceride, Ceresin, Cera Microcristallina, Copernicia Cerifera, Silica, Mica, Ascorbyl Palmitate, Methylparaben Propylparaben, Limonene, Aroma, Benzyl Salicylate, Linalool, Benzyl Benzoate, Citral, Citronellol, CI 19140, CI 42090, CI 77891

Stain Defence™ Buckle Detail Pleated Skirt, at Marks and Spenser
Smart and stylish, this fashionable skirt is treated with Stain Defence™ technology which helps repel everyday stains. The adjustable waist gives a perfectly comfortable fit. It's non-iron and easycare for convenience

Blue Harbour Pure Cotton V-Neck Jumper, at Marks and Spencers
Fashionable and practical, this v-neck jumper is made from pure cotton. It's designed to keep its shape and feel soft and comfortable to wear

Knee Length Crepe Skater Skirt, at Marks n Spencer
Fashionable and contemporary, this panelled skater skirt is a stylish, versatile choice. A great work-to-evening style

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 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 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.