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 Spencer 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 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 & 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.

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 Marks & Spencers 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.

Besides Marks & Spencer Motor Insurance, M&S Money Direct Credit Cards and other financial products, M&S Money Direct Household Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Money Direct Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks and Spencer purchases are also protected while you take them home.

Also, on both M&S Money Direct Premier Household Insurance and Standard Household Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

Classic Collection Stripe Straight Leg Trousers, at Marks and Spenser
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear.

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

Low Rise Stripe Lace Trim Thong, at Marks and Spencers
Perfect for wearing under tight-fitting clothing, this lacy thong won't give you any visible panty lines. It's comfortable and flattering, and the low rise style is ideal for wearing under hipsters

Collezione Pure Merino Wool Slipover, at Marks and Spenser
Part of our exclusive Autograph collection, this luxurious slipover is made from pure merino wool so it feels soft and comfortable to wear. Practical as well as stylish, it's hardwearing and keeps its shape

Digital Food Preparation Scales, at M & S
Modern design Electric powered Free standing Digital, Manufacturer: Marks & Spencer

Ingredients Fig Shower Cream, at Marks & Spensers
Fig scented 200ml

Disney Fairies Tinkerbell Colour & Activity Pad, at Marks&Spencer
Character based colour and activity book with a sheet of stickers Includes lockable journal and fairies gel pen Ideal for 5+ years Disney, Manufacturer: Marks & Spencer

Per Una Embroidered Lightweight Jersey Skirt, at Marks & Spencer
A beautiful full length jersey skirt in soft stretch fabric featuring an embroidered detail

Autograph Opaque Tights with Cashmere, at Marks & Spensers
These comfortable opaque tights are made with added stretch and a reinforced toe for durability

Valdemadera Grand Reserva 2002 - Case of 12, at Marks & Spencers
Style: Full bodied Country of origin: Spain Closure: Natural Cork Suitable for vegetarians and vegans 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

Wool Blend Contrast Stripe Tie, at Marks and Spenser
Add a smart finishing touch with this hardwearing contrast sripe wool mix tie

Flat Front Crease Resistant Fine Stripe Trousers, at Marks & Spencer
Stay smarter for longer with these innovative crease resistant trousers

Autograph Pure Cotton Short Sleeve Paisley Stripe Shirt, at Marks and Spencer
Stylish and contemporary, this stripe shirt is part of our luxurious Autograph collection. The fabric has been created exclusively for us to tie in with this season's key looks, so you wont find it anywhere else

Nintendo DS™ Lite Starter Pack - Black Console & Brain Training Game, at Marks and Spencer
Pack includes Nintendo DS™ Lite in black and Dr. Kawashima's Brain Training: How Old Is Your Brain? game The Nintendo DS Lite brings gaming within everyone's reach Its touch screen and voice recognition function are so simple to use that even beginners will feel at ease This Nintendo comes with a host of new features that set it apart from all other portable video game consoles:- Better screen quality (brightness and definition) than all other consoles currently available More compact (2/3 as large) and lighter (20% lighter) than the original DS Lite Two back-lit screens brightness can be adjusted over 4 levels to adapt to any lighting and reduce energy consumption 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

Tiga Nested Coffee Tables & Side Table Set, at Marks & Spencer
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

Zinfandel Rosé Tarantino 2007 - Case of 12, at Marks & Spenser
Style: Dry Grape Variety: Zinfandel (Primitivo) Country: Italy Closure: Screw cap Suitable for vegetarians 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

Lego Creator Toy, at M+S
Suitable for ages 6+ This product conforms to the EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Baby Bear Embroidered Hat & Mitts, at MarksandSpencer
Keep little heads and hands warm with this embroidered babybear hat and mittens set in soft comfy cotton

Kodak Easyshare Z915 Digital Camera, at Mark's & Spencer
Pixels: 10 megapixels Lens: 35350 mm (35 mm equiv.) f/3.54.8 Zoom: 10X optical, 5X advanced digital, total zoom range 50X Image stabilizer: optical Shutter speed: 1/81/1250 sec. (auto); 161/1000 sec. (S/M mode) Monitor: 2.5 type high resolution (230K dots), 5 level brightness adjustments Storage: 32 MB internal memory* available, SDHC/SD card expansion slot Auto focus type: TTL imager AF system Auto focus Modes: normal, macro, infinity Face-priority AF: yes AF assist light: yes ISO sensitivity: auto, 100, 200, 400, 800, 1600 White balance: auto, daylight, tungsten, fluorescent, open shade Flash: Range: 5.4 m (@ wide, in Smart Capture mode), 3.9 m (@ tele, in Smart Capture mode); Modes: auto, off, fill, red-eye reduction, off; Compensation: 1.0 EV in 1/3 steps Shooting modes: Smart Capture, sport, P (program mode), A (aperture priority mode), S(shutter priority mode), M (manual mode), portrait, panorama (leftright,rightleft), video, SCN (scene modes) Scene modes: high ISO, portrait, night portrait, landscape, night landscape, flower, sunset, backlight, candlelight, manner/museum, text, beach, snow, fireworks,children, self-portrait, stage Still capture: Still format: JPEG/EXIF v2.21; Color modes: high color, natural color, low color, sepia, black and white; Sharpness: high, normal, low; Review options: single, magnification with navigation box, multi-up, multi-field search,slideshow, multimedia slideshowslideshow, multimedia slideshow Editing: on-camera crop, KODAK PERFECT TOUCH Technology, voice annotation; File management: delete, undo delete, copy, protect, text tagging, one-button upload Video capture: Format: QUICKTIME Photo JPEG; Quality: VGA (640 480) at 30 fps, QVGA (320 240) at 30 fps; Length: continuous up to 4 GB; Microphone: yes; Review options: play, rewind, pause, fast-forward and rewind, forward and rewind by frame, multimedia slideshow, bookmarks, view by; Editing: make a picture from video, action print (1, 4, 9, 16-up), trim, copy; File management: delete, undo delete, copy, protect, text tagging, one-button upload Custom settings: LCD brightness (5 levels), date stamp (on/off), image storage, capture frame grid (on/off), image stabilizer control, red-eye preflash (on/off), quick view (on/off), advanced digital zoom, orientation sensor, sound, volume, date & time, auto power off, video out, language, reset camera Share button: yes Physical specifications: I/O interface: digital (USB 2.0 high speed) connector for data and video; Power: (2) AA batteries (alkaline, lithium, or Ni-MH), optional AC adapter; Tripod mount: in. standard Dimensions: W11 H7 D3.6cm Weight: 220g (without SD card and batteries) Direct printing: PictBridge-enabled Software: works with KODAK EASYSHARE Software Package contents: KODAK EASYSHARE Z915 Digital Camera, (2) KODAK Alkaline AA Batteries or equivalent, USB cable, Wrist strap, User's Guide with KODAK EASYSHARE Software 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

Age Repair Intensive Collagen Treatment Mask, at Marks & Spensers
Helps rebuild the skins protective barrier Helps protect the skin from damaging environmental factors Ceramide Complex leaves skin hydrated, smoothed and firmer Hypoallergenic 75ml

Pure Wool Long Sleeve V-Neck Jumper, at Marks and Spencer
Soft and cosy, this v-neck jumper is made from pure merino wool. It's luxuriously soft, warm, and fine but also hardwearing and easycare, making it a natural choice

Autograph Leather Derby Brogue Shoes by Jeffery-West, at Marks & Spencer
Square toe Punch detail Lace up 3 eyelets Shallow block heel

LED Light Collection Dragonfly Mobile, at Marks & Spenser
Hanging loop Circular design 3 hanging dragonflies, Manufacturer: Marks & Spencer

Pure Cotton Lace Insert Stripe Vest Top, at Mark & Spensers
Chic and modern, this stripe vest is made from cool comfortable cotton and features a lace insert

M&S Arm Wall Mount with Tilt for 23-32'' TV, at Marks & Spencers
Fits LCD, TFT and plasma screens from 23-32 inches Dual pivot cantilever VESA compliant for 23-32in screens Fully assembled Drilling template supplied Dimensions: H28.5 x W58 x D8.5cm This product is not available for international delivery. Find out more 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, Manufacturer: Marks & Spencer

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

Silver Plated Abalone Tri-Strand Necklace, at Mark's & Spencer
Tri-strand design Abalone nugget Assorted multifaceted beads Length: 41cm This product is not available for international delivery. Find out more

The Top 100 Health Tips by Janet Wright, at Marks and Spencers
Discover the secrets to optimum health and vitality! Fast-track your way through the easily navigated section to optimise your health and well-being through foods

Autograph Pure Cotton Embroidered Dress & Knickers Outfit, at Marks & Spenser
Fashionable and practical, this cute dress and knicker 2-piece outfit features a pretty floral embroidered design. It's made from soft cotton to keep her comfortable and happy. With luxury in every detail, this is part of our exclusive Autograph collection

Pure Silk Woven Grid Design Tie, at Marks and Spencer
Add a luxurious finishing touch with this smart grid design tie in pure silk

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 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, 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 Money Direct 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 Money Direct Household Insurance than you will anywhere else, and you may even pay less with M&S.