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 Car 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 and 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.

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 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, 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.

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks and Spencers once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Mark's & Spencer, through its M&S Money Direct website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Buildings Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Bow Detail Mid Heel Ankle Boots, at Marks and Spencers
Almond toe Stitch and bow detail Zip fastening Block mid heel Heel height: 69mm Comes in sizes 3-8, including half size

Short Sleeve Pleated Scoop Neck Top, at Marks and Spenser
This pleated scoop neck top is a casual style essential. Perfect for mixing and matching with trousers or skirts

North Coast Pure Cotton Washed Denim Shirt, at Mark's & Spencer
This pure cotton shirt has been dyed using a special process to give an authentic washed down look which will fade fashionably with time and wear

Classic Collection Cotton Rich Drawstring Joggers, at Marks & Spencers
Relaxed and comfortable, these casual joggers are made from soft stretch cotton. The drawstring waist gives the perfect fit

Urbino Armchair, at Mark's & Spencer
H92 x W100 x D102cm Seat H48cm, arm H67cm, top back rail H77cm (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 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

Woven Silk Floral Dot Tie with Stain Defence™, at Marks & Spencers
This woven silk tie has been treated with our stain defence™ technology giving inbuilt resistance to everyday spills, this repellence benefit is maintained after dry cleaning

3 Cool & Fresh Cotton Rich Plain Hipsters, at Marks and Spencer
Comfortable, fashionable and practical, these essential hipsters are ideal for everyday wear

Leona Lewis - Spirit CD, at Marks & Spencers
Audio CD, Marks & Spencer

Cecily's Garden 50th Card, at Marks & Spencer
Cover text: 50 Happy Birthday Inside message: Blank for your own message Approx size: 230 x 114mm

Per Una Short Soft Sleeve Top, at Marks and Spencers
A smart short sleeve top in a soft stretch fabric featuring a scoop neck and ruched detail

M&S HP 27 Compatible Cartridge, at Marks & Spensers
Black cartridge Compatible with HP printers using HP 27 For use in deskjet: 3320, 3325, 3420, 3425 series, 3520, 3535, 3550, 3645, 3650, 3745, 3845, 5650, 5652, 5655, 5850, For use in officejet: 4215, 4219, 4252, 4255, 4315, 4355, 5605, 5610, 5615, 6110 For use in PSC: 1210, 1215, 1217, 1219, 1311, 1312, 1315/s, 1317 This cartridge is not an original product but has been re-manufactured and refilled to the most exacting standards 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

Easycare Long Sleeve Shirt, at Marks & Spensers
Perfect for a fuss free lifestyle, this shirt is made with easy care fabric that can be worn and washed, day in day out

Autograph Merano 2-Seater Unit (Left-Hand Arm), at Marks & Spenser
H84 x W172 x D102cm Seat H47cm, arm H63cm, top back rail H63cm (all dimensions are approximate) Seat cushions made from shape-retaining foam with extra-thick fibre wrap - 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 have reversible cushions Available in fixed cushion covers only 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 Glide 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

Blue Harbour Pure Cotton Short Sleeve Stripe Shirt, at Marks & Spensers
Relaxed and casual, this pure cotton shirt has been pre-washed to make it extra soft and comfortable

Per Una Short Sleeve Antique Lace Jersey Top, at Marks and Spencers
An elegant short sleeve top featuring antique print and lace detail

Silver Plated Shimmer Necklace, at Marks & Spencers
Clasp fastening Adjustable length Fine chain Diamond design pendant Necklace length 64cm

Autograph Large Studio Humbug Bottle Vase, at MarksandSpencer
Narrow neck Swirl stripe design Broad base, Manufacturer: Marks & Spencer

Limited Edition Assorted Stacker Bangles, at Marks & Spencers
5 bangles Assorted design Slide on

Soft Vanilla Diffuser Plug-In Refill, at Marks & Spenser
Plug-in design 15ml of fragranced liquid Lasts up to 75 days This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Miele S7280 Allervac Upright Vacuum Cleaner, at Mark's & Spencer
6 litre dust bag capacity 1800W Sealed system for optimum filtration 14.5 metre operating radius The Active HEPA filter ensures air leaving the cleaner is free of allergens and odours Dust bag change indicator - signals when the dustbag needs to be replaced Rotary Dial to adjust the suction power for different floorings Telescopic stainless steel tube Smooth running 360 swivel castors. Castors mounted on steel axles to ensure excellent maneouvrability An Upholstery nozzle, Dusting brush and Crevice nozzle are all stored at the rear of the cleaner Weight: 9.5kg Dimensions: H1160.6 x W349.3 x D377.9mm 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 Free 2 year guarantee, Manufacturer: Marks & Spencer

Fruity Beauty Bath Marbles, at Marks and Spencers
Shocking Raspberry Ingredients:Paraffinum Liquidum, Isopropyl Myristate, Gelatin, Glycerin, Laureth-3, Parfum, Aqua, Ethylparaben, CI 16255 Paraffinum Liquidum, Isopropyl Myristate, Gelatin, Glycerin, Laureth-3,Parfum, Aqua, thylparaben,Cl 42090, CI 16255 Wowee Plum Ingredients: Paraffinum Liquidum, Isopropyl Myristate, Gelatin, Glycerin, Laureth-3,Parfum, Aqua, Ethylparaben, CI 45430, CI 42090 Luscious Lime Ingredients:Paraffinum Liquidum, Isopropyl Myristate, Gelatin, Glycerin, Laureth-3, Parfum, Aqua, Ethylparaben, CI 42090, CI 19140 Zingy Lemon Ingredients:Paraffinum Liquidum, Isopropyl Myristate, Gelatin, Glycerin, Laureth-3, Parfum, Aqua, Ethylparaben, Limonene , CI 19140 Funky Orange Ingredients: Paraffinum Liquidum, Isopropyl Myristate, Gelatin, Glycerin, Laureth-3, Funky Orange Ingredients: Paraffinum Liquidum, Isopropyl Myristate, Gelatin, Glycerin, Laureth-3, Funky Orange Ingredients: Paraffinum Liquidum, Isopropyl Myristate, Gelatin, Glycerin, Laureth-3, Parfum, Aqua, Ethylparaben, CI 19140, CI 16255

T345623S, at Marks and Spencers
Manufacturer: Marks & Spencer

Mascara Correction Buds, at Mark & Spensers
24 buds Liquid filled

Button Pinafore, at Mark & Spencers
A great value pinafore in easycare fabric. Practical and easycare, it's ideal for school

Sprung-Edge Divan on Legs & F300 Memory Foam Mattress, at Marks & Spencers
Single mattress (3ft): W90 x L190cm Double mattress (4ft 6in): W135 x L190cm 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: 25cm Divan height: H31cm Soft knitted cover adds extra comfort to the mattress and works with the memory foam for optimum support Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support 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

Ceriso Floral Print DD-G Padded Bra, at Marks and Spencers
Flirty and feminine this modern bra is beautifully detailed with a frill trim and floral print design. Soft padding and underwiring give great support and a fabulous flattering shape. Designed for women who want the latest look

Fitou Bin 70 2007 - Case of 12, at Mark's & Spencer
Style: Full bodied Grape variety: Carignan, Grenache Country of origin: France Closure: Synthetic closure Suitable for vegetarians Bottle: 12 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

Autograph Art Deco Dressing Table Jewellery Box, at Marks&Spencer
Modern and stylish, this jewellery box will keep your jewellery organised and add a lovely finishing touch to your dressing table

Pure Linen Pintuck Bib Shirt, at Marks and Spencer
This fab short sleeve shirt features a stunning pintuck bib design. A sophisticated new look, perfect for this season

Disney Fairies Activity Case, at M+S
Fans of Disney Fairies will love this fun activity case which includes a board game, activity book and more!

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 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 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.