Shopping for financial products at Marks & Spencers Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spensers online store. Here are just some of the financial products which can be purchased via the Marks & Spencers Money 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 Mark & Spencers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting Marks & Spencers Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the Marks & Spencers Money 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 & Spencer are so useful. Marks & Spencers Money financial products are, of course, designed to make Mark & 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, 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 Marks & Spencers Money 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 Marks & Spencers Money Household Insurance than you will anywhere else, and you may even pay less with M&S.

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

Wood Collection - 3 Storage Boxes, at Marks & Spensers
Set of 3 different sizes Double side handles Wooden H35.5 x W35.5 x D32.5cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Damask Jaquard Table Runner, at Marks and Spenser
Damask design Jaquard detail Dimensions: 33cm x 230cm Think climate! This can be washed effectively at 30C, find out more , Manufacturer: Marks & Spencer

Autograph Pure Silk Tie, at Marks&Spencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

4 Floral Print Placemats, at Mark's & Spencer
Pack of 4 Floral print design Rectangle shape, Manufacturer: Marks & Spencer

Ultimate Non-Iron Pure Cotton Long Sleeve Check Shirt, at MarksandSpencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Per Una Short Sleeve Cornelli Tab Cardigan, at Marks & Spencers
A casual short sleeve cardigan in a soft knitted fabric featuring an embroidered design and scoop neck

Per Una Silk Blend Long Sleeve Cardigan, at Marks & Spensers
A cosy knitted cardigan in luxurious silk mix fabric featuring a revere collar

Fenton 2-Seater Sofa, at Marks & Spenser
H90 x W188 x D103cm Seat H51cm, arm H63cm, top back rail H76cm (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 Solid birch feet with dark finish All sofas include 2 arm bolsters 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 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

Autograph Essentials Embroidered Non Padded Balcony Bra, at Marks&Spencer
Sophisticated and feminine this balcony bra features a pretty embroidered design. Stretch fabric and underwiring give a great fit and flattering uplifted shape. Beautiful exclusive lingerie

Shiny Nail Kit, at Marks and Spencers
Nail wax nourishes and adds lustre Traditional chamois buffer quickly achieves a long lasting shine White pencil brightens your nail tips Used regularly it will encourage your nails to grow stronger and longer

Portfolio Faux Leopard Skin Bugatti Bag, at Marks and Spencers
Fashionable and practical, this faux leopard skin bugatti bag is a useful accessory with bags of style!

Grand Enclos de Ceron 2006 - Case of 6, at Marks and Spenser
Style: Dry Grape variety: Semillon, Sauvignon Blanc Country of origin: France Closure: Natural cork 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

Wine 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

Ultimate Non Iron Pure Cotton Neutral Stripe Shirt, at MarksandSpencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

2 Mosaic Stackable Chairs, at Marks & Spencers
H96 x W56 x D56cm Seat: 44cm Sold as a pair Seat cushion made from shape-retaining foam Metal frame Diamond pattern mosaic design This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Blue Harbour Ultimate Linen Roll Up Sleeve Chambray Shirt, at Marks and Spencer
This Ultimate Linen shirt has a unique added performance that helps keep you cool, dry and fresh by drawing moisture away from the skin and reducing odour, while also helping your linen to stay smart throughout the day. It's also easy to iron, so looking your best is now easier than ever

Clear Glass Bowl, at M & S
Clear glass Transparent, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Travel Shirt, at Mark's & Spencer
Whether you're travelling the world or staying closer to home, our travel shirts are specially designed to keep you looking and feeling your best. Crease resistant to maintain a smart appearance, a special finish draws moisture away from the body to keep you cool while the incredibly breathable shirt fabric is woven to maximise the flow of air between the yarns

M&S Pizza Maker, at Marks & Spencer
Cooks up to 12" frozen, pre-baked or fresh pizza's 1000-1200W Rotating stone base to ensure even cooking Display window to check pizza while cooking Plastic handle to open while pizza maker is hot and in use 4 heat settings Top grilling element to melt / brown toppings Anti-slip base 2 year guarantee, Manufacturer: Marks & Spencer

Formal Square Buckle Belt, at Marks and Spenser
With a versatile design perfectly suited for special occasions and everyday office wear, this sleek belt is sure to become a staple part of your formal wardrobe

Pure Cotton Vest & Shorts Sets, at Mark & Spensers
Practical and fashionable, this 8 pack of vests and shorts makes a great way to stock up on essential style

Autograph Older Boys' Tonal Floral 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

Short Sleeve Empire Button Top, at Marks & Spensers
This short sleeve is beautifully embellished with a button placket for a stylish modern look

2 Younger Boys' Pure Cotton Monkey Pyjamas with Toy, at Marks & Spencer
Made from comfortable, breathable pure cotton, this pack of 2 monkey print pyjamas are outstanding value

Pure Cotton Short Sleeve Spider-Man™ T-Shirt, at Marks and Spencers
Fans of Spider-Man will love this pure cotton t-shirt featuring the popular character. A practical, easycare style

Limited Collection Triple Seam Pump Shoes, at Marks & Spenser
Pointed toe Triple seam design Slip on Flat sole Comes in sizes 3-8, including half sizes

Glitter Acetate Space Game Son Birthday Card, at Marks and Spencers
Cover text: Son...have a blast on your birthday Inside message: Blank for your own message Approx size: 215 x 150mm

7 Pure Cotton Short Sleeve Animal Bodysuits, at Marks & Spencer
Cute and practical, this pack of 7 bodysuits is great value. Popper fastenings and envelope necklines make quick changes easy and the soft cotton fabric will keep them feeling comfy and happy

Ice Cubes 4-Light Ceiling Light, at Marks & Spencer
Antiqued ironwork Glass beading detail Bulb: 1 x 60W SES Candle

Autograph Anodised Aluminium Wok, at Marks & Spencers
Charcoal-coloured aluminium design Double handle Non-stick interior for low-fat cooking and easy cleaning Clear lid with handle Riveted handles for durability Excellent heat distribution with no hot spots Oven safe to 180C/350F/gas mark 4 Suitable for all cooker types except induction Diam: 30cm Handwash only, Manufacturer: Marks & Spencer

Marks & Spencers Money offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately Marks & Spencers Money Car Insurance is not like that at all, and when you compare M&S Car 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 Car Insurance (correct at May 2009), which are quite often not included with comparable Car 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 Car 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 Marks & Spencers Money UK and European Breakdown Cover, since it covers you as a passenger too.