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 Spenser 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 Buildings 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 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.

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 Mark's & Spencer are so useful. M&S Money Direct financial products are, of course, designed to make Marks and Spencers 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 Insurance policies. Usually, UK Buildings 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 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 Insurance than you will anywhere else, and you may even pay less with M&S.

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 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 Buildings 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 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.

Per Una Cotton Rich Cropped Trousers, at Marks & Spencer
A fashionable cropped pair of trousers in soft cotton rich fabric featuring an on the waist design. Comes with belt shown in the photograph

Open Season Blu-ray DVD, at MarksandSpencer
Rating Parental Guidance,

3 Water Hyacinth Round Storage Baskets, at Marks and Spencers
Set of 3 Double contrast handles Woven design Large basket: H35 x 42cm diam Medium basket: H32 x 37cm diam Small basket: H28 x 32cm diam, Manufacturer: Marks & Spencer

Mog The Forgetful Cat Book, at Marks & Spensers
Mog always seems to be in trouble for her forgetfulness... but one night, it comes in very handy

Autograph Pure Cashmere Shawl Collar Cardigan, at Marks and Spencer
Sophisticated and modern, this shawl collar cardigan is made from pure cashmere for the ultimate in luxurious softness

Younger Boys' Holiday Shark Aqua Sock Shoes, at Marks & Spencer
Round toe Shark print Flat grip sole Slip on

Etched Heart Pendant Necklace, at Mark & Spencers
Clasp fastening Etched heart pendant Fine chain Necklace length: 41cm, extendable by 8cm Comes in presentation box

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

Bright Butterflies Daughter Birthday Card, at Marks and Spencer
Cover text: Happy birthday to a special daughter Inside message: With lots of love Approx size: 174 x 126mm

High Heel Elastic Trouser Shoes, at Marks and Spencer
Pointed toe Elastic detail Slip on Patent effect Heel height: 6.6cm Comes in sizes 3-8, including half sizes

Murphy's Contemporary Selection Reds & Whites - Case of 12, at Marks & Spencers
1 Chateau Darzac Reserve 2008: A subtle, unoaked white wine from Bordeaux that is youthful and refreshing... 1 Castello d'Alba White 2008: A stylish, full-flavoured white from Portugal's Douro Valley. Traditional Portuguese varieties have been used to create a highly individual wine with layers of flavour that include red apple, wild herbs, toasted almonds and mixed spice... 2 Willowbank Semillon Chardonnay 2007: A refreshing and intensely fruity white that is perfect for everyday drinking... 2 Beau Moulin Blanc 2008: A bright and crisp, unoaked white wine from a blend of traditional grapes grown in the sunny vineyards of the Languedoc... 1 Domaine du Donjon des Dames, Plan de Dieu 2007: A full-bodied and densely textured red from the Southern Rhne which combines rich, plum fruit flavours with an attractive note of savoury spice... 1 Castello d'Alba Red 2007: Ripe and velvety, this is a lightly oaked Douro red that is beautifully crafted and offers superb value for money... 2 De Bortoli Willowbank Shiraz 2007: warm-fruited, creamy-textured Shiraz from Australia. This wine is all about soft, rounded flavours of cherry, mint and chocolate, together with a gently warming finish... 2 Beau Moulin Rouge 2008: An intensely fruity, unoaked red wine that is bursting with flavours of black cherry, blueberry and wild herbs... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Collezione Pure Wool Single Breasted 2 Button Jacket, at M+S
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

M&S Combination DAB Digital Radio, at Marks & Spencer
Access over 8000 radio stations worldwide built-in WiFi 24 station presets (8 DAB / 8 FM / 8 internet) Podcast and listen again service compatible with media streaming of MP3/WMA & real audio file Alarm functionality, snooze button, headphone port, automatic scanning, firmware upgradeable and mains operated Stereo digital radio with 802.11b/g WiFi network, full Band III DAB and FM reception Frequency ranges: 802.11b/g, Band III 174-240 MHz, FM 87.5-108 MHz WiFi (802.11b/g) security: WEP, TKIP, WPA, WPA2 WiFi audio files format support: MP3, WMA, Real Audio Speakers: full-range 3" drive unit Input connectors: 9V DC power adaptor socket (230V supplied) Output connectors: 3.5mm headphone, 3.5mm line out (analogue) LCD display: 2X16 character Type LCD display Mains power supply: 230V AC to 9V DC external power adaptor Aerial: captive telescopic aerial Dimensions (mm): 115mm high x 275mm wide x 65mm deep 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

Blue Harbour Stormwear™ Pure Cotton Classic Jacket, at Marks and Spencer
A fashionable favourite, the classic jacket is given a modern update with contemporary styling

Footglove™ Ruched Trouser Shoes, at Marks & Spencers
Pointed toe Ruched design Low ankle fit Footglove™ soles are comfortable, highly flexible and lightweight High heel

2 Lichfield Vertical Slat-Back Chairs, at Marks and Spencers
H102 x W46 x D60cm Seat: H50cm Leather seat pad Sold as a pair Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Chair frames made from solid European hardwood 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. SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Lichfield Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Cooks Bible - The Definitive Cook's Guide, at Marks & Spenser
The beautifully presented and inspiration Cooks bible is the definitive cooking guide for everyone. From choosing kitchen utensil to stocking the storecupboard, this book shows you how you can be superbly organized and creative in the kitchen. It offers valuable advice about all culinary matters, including kitchen equipment, ingredients, kitchen safety and the basics of diet and healthy eating. The Cooks bible provides practical information about all aspects of preparing and cooking food. It is also useful for those who know the basics but want to extend their kitchen repertoire to cooking exciting and varied dishes. Its wide range of recipes has been carefully selected to combine traditional favourites with modern choices. So whether you wish to make a cheese souffl, create a paella, or bake fresh croissants you will find Cooks Bible an invaluable source of inspiration and advice that you will want to go back to again and again.

Girls' Limited Cotton Rich Denim Leggings, at Marks n 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

Cotton Blend Double Breasted Cardigan, at Marks and Spencers
Soft and comfy, this practical double breasted cardigan is made from a hardwearing cotton blend fabric. It features a deep v-neck. A great value easywear style

Assorted Bead Multi Strand Necklace, at Mark's & Spencer
Clasp fastening Adjustable length Assorted beads Multi strand design Necklace length: 46cm, extendable by 8cm

Autograph Pure Wool Single Breast 1 Button Jacket, at Marks & Spenser
The only choice for the sharp dresser: Autograph's stylish designer-quality collection boasts the finest fabrics and closest attention to detail for an impeccable contemporary look

Bamboo Tray, at Marks & Spenser
Rectangular design Raised border Cutout handles, Manufacturer: Marks & Spencer

Antique Brass 3-Arm Ceiling Light, at Marks & Spensers
Antique brass Frosted glass shades 3 curved arms H42 x Diam 40cm Bulb: 3 x 40W SES golf ball This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

5 Pairs of 15 Denier Sheer Matt Knee Highs, at Marks and Spencers
An M&S exclusive. Amazing yarn stops holes turning into ladders. Three way stretch gives a perfect fit. The comfort top is designed to keep them in place without leaving marks

Cotton Rich Aztec Pull On Hat, at Marks&Spencer
Keep ahead of the trends with this contemporary aztec pull on sunhat, an essential look for style in the sun

Petite 3/4 Sleeve Stripe Shirt, at Mark & Spensers
Chic and modern, this 3/4 sleeve shirt is made from a comfortable cotton blend and features a stripe design. Specially designed and perfectly proportioned for the petite frame

Limited Collection Giraffe Print Mini Bag, at Marks n Spencer
Cute and compact, this miniature bag is a fashionable accessory. Ideal for carrying your phone, credit card and lipstick when you don't want a bulky bag. Get the latest look!

Duck Feather & Down 10.5 Tog Duvet, at Marks&Spencer
10.5 tog Ideal for Spring and Autumn use, or all round use in homes with central heating 230 thread count and 100% cotton downproof cover Excellent value for money, natural duck feather and down filling ensures a soft and comfy night's sleep Pure cotton cover Highest quality class 1 duck feather down Which tog? Tog measures the warmth of a duvet based on its ability to trap warm air. The higher the tog rating, the warmer the duvet. The perfect tog is a personal choice which can depend upon you and your home, Manufacturer: Marks & Spencer

Autograph Borden Small Stool, at Marks and Spencer
H44 x W147 x D54cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 an ebony finish All of our fabrics are treated with Stain-Defence& trade; - 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

Limited Collection Low Strap Shoe, at Marks & Spencers
Round toe Mid heel Buckle fastening Comes in sizes 3-8, including half sizes

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