Shopping for financial products at M&S Finance 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 Finance website:

• M&S Insurance: M&S Motor Insurance, M&S Home 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's & Spencer, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Finance in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Finance website.

There are lots of ways to save money using M&S Finance. Not least of these is Marks & Spencer Standard Motor Insurance. With M&S Finance 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 Finance, which also has other features.

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

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

Per Una Sleeveless Faux Fur Gilet, at Marks & Spenser
A stylish gilet featuring a faux fur collar and finished with front and rear seam detail

Piedmont Barbera 2007 - Case of 12, at Marks and Spencer
Style: Medium bodied Grape variety: Barbera Country of origin: Italy Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 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

Fenton Compact 2-Seater Sofa, at Marks & Spencers
H90 x W168 x D103cm Seat: H51cm (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 Includes 2 free matching 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 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

Maternity Spot Print Full Length Leggings, at Mark's & Spencer
Fashionable and modern, these spot print leggings are designed to flatter you and your bump. Added stretch and a clever cut give a neat, comfortable fit with room for growth. An essential fashion favourite

Recycled Flexilite Plan A Umbrella, at Marks and Spencer
Lightweight and easy to carry, this slimline umbrella is perfect for keeping at hand for effective protection from sudden downpours

Leather Reversible Edge Belt, at Marks and Spencer
Add a smart finishing touch with this reversible leather belt

Playmobil Signal Trailer Toy, at Marks & Spensers
Suitable for ages 4+ Includes 3 different light versions 2 AAA batteries required This product conforms to the EN71 and the Toy Safety Directive 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 , Manufacturer: Marks & Spencer

Tiga Nested Coffee Tables & Side Table Set, at Marks & Spensers
3 piece set Coffee table: H45 x L140 x D46cm (largest) Side table: H46 x W46 x D46cm 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 , Manufacturer: Marks & Spencer

Handcrafted Laser Cut Fairy Cakes Mother's Day Card, at Marks & Spencers
Cover text: For my Gorgeous Mum Inside message: On Mother's Day Approx size: 178 x 126mm

3/4 Sleeve Pleated Mock Layer Top, at MarksandSpencer
It's the stunning pleat detail that makes this fashionable mock layer top the perfect way to get this season's look

Portfolio Floral Print Layered Short Sleeve Blouse, at M&S
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Playmobil Construction Toy Set, at Mark's & Spencer
Suitable for ages 4+ Includes two workers, construction tools, stackable bricks, road sign This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Silk Embroidered Floral Tie, at Marks & Spencer
Add a luxurious finishing touch with this smart embroidered floral tie in pure silk

Fenton Storage Footstool, at Marks n Spencer
H48 x W56 x D56cm Seat: H51cm (all dimensions are approximate) Cushion 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 a dark finish 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

3 Sheer Massage Sole Knee Highs, at Marks and Spencer
These knee highs feature specially constructed padded soles which gently massage your feet as you walk

Pure Cotton Ruffle Stripe Top, at Mark & Spensers
This short sleeved top will make a useful addition to your wardrobe. It features ruffle trim placket detail for a stylish casual look

Autograph Faceted Stud Earrings Made with CRYSTALLIZED™ - Swarovski Elements, at Mark & Spencers
Faceted disco stud design Butterfly fastening Made with CRYSTALLIZED™ - Swarovski Elements For hygiene reasons, refunds will only be given in accordance with your legal rights

Autograph Quad Shade Eyeshadow, at Marks and Spencers
Powder eyeshadow Hypo-allergenic Contains 4 shades

Autograph Essentials Jersey Roll Over Top Pants, at Marks & Spencers
Designed for ease of movement, these lightweight pants are perfect for dance, yoga and pilates

Per Una Frill Wedge Court Shoes, at Marks and Spenser
Almond toe Frill design Slip on Wedge heel

Autograph Modal Blend Pyjama Shorts, at Marks and Spencer
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

2 Piece Pure Cotton Check Pinafore Outfit, at Mark & Spensers
A cute look in pure soft cotton, this coordinated outfit combines a top with check pinafore skirt. The pleat detail adds a pretty finishing touch

Short Sleeve Mimosa Leaf Print Top, at Marks and Spencer
Smart and stylish, this scoop neck top features a stunning mimosa leaf print. A vibrant new look, perfect for this season

Younger Boys' Limited Camouflage Rucksack, at Marks and Spencer
Casual and fashionable, this camouflage rucksack features zipped compartments and adjustable straps for comfort

125 Years Pure Cotton Heritage Handkerchiefs, at M & S
A great value pack of pure cotton handkerchiefs

Pure Cotton Short Sleeve Pleated Bow Top, at Marks & Spenser
This short sleeved top will make a useful addition to your wardrobe. It features smart pleated bow design for a stylish casual look

Sebo K3 Vulcano Cylinder Vacuum Cleaner, at Marks and Spencers
Requires 3-litre filter bag Hospital grade pre-motor filter 2.1 metre extra-long hose Triple microfilter S-CLASS system - The Sebo S-CLASS system will remove 100% of particles of 1 micron and above Excellent for carpet, hard flooring and pet hair Includes crevice nozzle and upholstery nozzle Anti-allergy design with British Allergy Foundation approval Quiet operation Dusting brush with clamp Floor turbo brush for powerful easy cleaning Airbelt soft bumper system Light and compact - 5.5kg weight 2100W motor 5 year parts and 2 year labour domestic use warranty 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 , Manufacturer: Marks & Spencer

125 Years Retro 3 Pack of Tea Towels, at Marks & Spencer
Pack of 3, Manufacturer: Marks & Spencer

Per Una 3 Button Revere Collar Cardigan, at Marks & Spencer
A feminine 3/4 sleeve cardigan featuring a revere collar. The 3 button fastening gives it the Per Una touch

1000 Stickers For Boys, at M & S
This sticker book will keep them busy as they look for an incredible 1000 stickers inside!

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 M+S are so useful. M&S Finance financial products are, of course, designed to make Marks n 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, Home Insurance policies. Usually, UK Home 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 Finance Home 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 Finance Home Insurance than you will anywhere else, and you may even pay less with M&S.