Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the M&S 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 Motor Insurance, M&S House 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 n 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 M & S are so useful. M&S Financial Services financial products are, of course, designed to make Marks and 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, House Insurance policies. Usually, UK House 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 House 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 House Insurance than you will anywhere else, and you may even pay less with M&S.

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 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 House 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 House 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.

5 Younger Boys' Pure Cotton Classic Slips, at Marks and Spencer
A practical choice with a selection of colours, an easycare cotton weave translates into a practical solution for soft, easy to wear comfort

Pure Cotton Twill Bonded Jacket, at Marks & Spencers
Modern and stylish, this single breasted jacket is beautifully designed for a flattering, sophisticated look

Stormwear™ Leather Apron Lace Up Trainers, at M&S
Stormwear™ technology repels water and stains Square toe Lace-up Apron stitch detail Grip sole Waterproof leather All upper seams treated with flexible sealant Expanding breathable and waterproof sole Any upper mesh or fabric material is laminated with a waterproof breathable membrane

Small Pillar Candle, at Marks & Spencers
Plain pillar candle 60 x 13mm, Manufacturer: Marks & Spencer

3/4 Sleeve Knitted Mock Layer Cardigan with Linen, at Marks & Spensers
Modern and stylish, this cardigan features a ring fastening. Ideal for layering

Leaf & Buds Cushion, at Marks and Spencer
Square shape Leaf print L50 x W50cm, Manufacturer: Marks & Spencer

Ceriso French Maid Stripe Bikini Briefs, at Marks & Spencer
Fab and funky, these modern bikinis feature stripe print and a rose detail and lace trim. The low rise style gives a flattering, shapely fit, perfect for wearing with hipsters. Designed for women who want the latest look

Single Sprung-Edge Divan with 2 Large + 2 Small Drawers & M400 - Medium Mattress, at Marks & Spencer
Double mattress (4ft 6in): W135 x L190 cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 24cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Small drawer: H14 x W40 x D52cm Mattress filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give the mattress edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs Pocket sprung mattresses give a flexible feel Mattress spring count: 1054 Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Pair of Rosemary Trees, at Marks & Spencer
This pair of herb trees will look stunning on a patio or doorstep and provide delicious flavours in cooking Available for delivery until 30th September 2009

Cocktail 30th Birthday Card, at MarksandSpencer
Cover text: Thirty Inside message: Happy Birthday Approx size: 175 mm x 126 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Longline Knitted Waistcoat, at Marks & Spencer
Modern and stylish, this longline knitted waistcoat features 2 front pockets. Ideal for layering

Limited Collection Knitted Tank Jumper, at Marks and Spencers
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Autograph Styled Flock Stripe Thong, at Marks & Spenser
Sophisticated and feminine, this modern thong features a stripe design and skirted sides. The modern low rise, high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

Single Sprung-edge Divan on Legs & M100 Mattress, at Marks & Spencers
Single mattress (3ft): W90 x L190cm Double mattress (4ft 6in): W135 x L190 cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 21cm Divan height: 31cm Mattress has dust-free polyester fibre filling Open coil mattresses provide a hard-wearing and supportive background Mattress spring count: 288 Sprung-edge divan can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Autograph Pure Cotton Long Sleeve Floral Print Top, at Marks and 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

Secret Support™ Cotton Rich V-Neck Lace Trim Vest, at Marks and Spencer
Flattering and feminine, this v-neck lace trim vest is made with Secret Support™ which gives gentle support and a flattering, defined shape. A soft, comfortable style

Cotton Rich Straight Leg Denim Jeans, at Marks and Spenser
These straight leg jeans in cotton rich are great value. A practical, easycare style

Multi-Strand Stretch Bracelet, at Mark & Spencers
Multi-strand design Stretch style

Body Formula Moisture Rich Bath & Shower Cream, at Marks & Spencer
Olive oil to soften and nourish Ginger and cardamom to soothe, warm and energise Glycerin to hydrate Suitable for all skin types 200ml

Pure Cotton Drawstring Joggers, at MarksandSpencer
Ideal for PE, these comfy pure cotton joggers give a relaxed fit for ease of movement and casual style

Luxury Pure Cotton Long Sleeve Hairline Stripe Shirt, at Marks & Spensers
The superior quality, cut and detailing on this luxurious pure cotton shirt are inspired by Jermyn Street tailors. A sophisticated style with a great fit

Autograph Pleated Check Skirt with Wool, at Marks and 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

Shop Till You Drop Birthday Card, at Marks & Spensers
Cover text: Shop till you drop! Inside message: Have a great day Approx size: 175 x 126mm

Paint Pot Birthday Card, at Marks & Spencer
Cover text: Happy Birthday Inside message: blank for your own message Approx size: 178 x 126mm

Pure Wool Pique Rug, at Mark & Spencers
Rectangular shape Pique design Small: L140 x W80cm Medium: L180 x W120cm Large: L230 x W160cm, Manufacturer: Marks & Spencer

La Croix d'Austéran Bordeaux 2008 - Case of 12, at Marks and Spencer
Style: Medium bodied Country of origin: France Closure: Natural cork Bottle: 12 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

Silver Plated Penelope Floral Drop Earrings, at Marks and Spencers
Hook fastening Drop style Faceted faux gemstones Diamant detail This product is not available for international delivery. Find out more For hygiene reasons, refunds will only be given in accordance with your legal rights

Airflex™ Wide Fit Mud Guard Lace Up Shoes, at Mark & Spensers
These shoes are specially designed with the Airflex™ sole system using the latest technology to provide your feet with utmost comfort, support and grip

Stainless Steel Long Handle Colander, at Marks & Spensers
Long handle design L42 x Diam 22cm, Manufacturer: Marks & Spencer

My First Bible, at Marks & Spencers
From Noah's ark to the Story of Easter, the Bible's best-loved stories are re-told alongside beautiful illustrations. Perfect for reading aloud to your child or grandchild, with fun activities

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

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