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 & Contents 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 & Contents 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.

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 Spenser 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 Marks n 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 Motor Insurance, M&S Buildings & Contents Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

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

Playstation®3 UEFA EURO 08 Game, at Marks and Spenser
35 day return policy* UEFA EURO 2008 features stunning visual representations of the world's best players, playing in a more accessible, faster-paced and responsive version of the market-leading EA SPORTS football engine, and all of the teams and official stadiums that will be part of UEFA EURO 2008. Take on the challenge of leading one of over 50 European national teams to glory as UEFA EURO 2008 recreates all of the drama and excitement of the official tournament in Austria and Switzerland. Play as your favourite country from qualification right through to a virtual reproduction of the championship tournament

Round Face Mesh Strap Watch, at Marks & Spenser
Round face Analogue Mesh strap

PlayStation®3 Virtua Tennis Game, at Marks&Spencer
Includes superstar players from the men's and women's circuit Play as Roger Federer and Wimbledon champion Amelie Mauresmo Create your own tennis star to compete on the world tour 10 brand new mini games Suitable for 3 years and over 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 *Must be returned with the tamper seal intact for full refund

2 Pure Cotton Long Sleeve Stripe Tops, at Marks & Spenser
Cute and comfy, these fashionable tops are made from soft cotton

Long Sleeve Fair Isle Hooded Dress with Wool, at Marks & Spenser
Fashionable and practical, this cute dress features a fair isle design. It's made from soft fabric to keep her comfortable and happy

Performance Bootleg Trousers, at Marks and Spencers
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Classic Baby Charlotte New Potato Salad, at Marks & Spensers
Serves 8 Ready to eat Suitable for vegetarians 700g As featured on page 26 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Pure Cotton Baseball Cap, at Marks and Spencer
Whether you're keeping the sun out of your eyes during the big game or simply relaxing in casualwear, the baseball cap is a style essential

Per Una Suedette Panelled Skirt with Belt, at Marks and Spencer
A fashionable panelled skirt featuring jacquard print

Short Sleeve V-Neck Spot Print Top, at Marks and Spencers
This fab short sleeve top features a stunning frill trim design. A vibrant new look, perfect for this season

Ceriso Frill Fan Padded Balcony Bra, at Marks & Spencers
Feminine and fashionable, this modern bra features a fan print and is finished with a frill trim. The padded balcony style gives maximum uplift and a fabulous fuller shape. Designed for women who want the latest look

Travel Shower Cap, at Marks and Spenser
Soap and shower design Ruffle trim

Winchester 2 Seater Sofa, at Marks & Spensers
H94 x W150 x D100cm Seat H49cm, arm H62cm, top back rail H81cm Solid birch frame Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions made from polyester fibre Fabric options have reversible cushions Fixed covers only Solid birch feet with a dark finish Seams and pattern match on fabrics - Please note that the images of fabrics displayed here are overlaid onto models. These images act as a guide and may not be representative of the finished product. Seams and pattern match may differ from what is shown This product is not available for international delivery. Find out more We will contact you personally to arrange a delivery date, once your order is ready, Manufacturer: Marks & Spencer

Spot Design Travel Ballet Slippers, at Marks and Spencer
Round toe Spot design Bow detail Slip-on Flat sole Ballet style

Indian Summer Stripe Shower Curtain, at M+S
Bold stripe design, Manufacturer: Marks & Spencer

Per Una Short Sleeve Jersey Top, at Marks and Spencers
An elegant scoop neck top in textured fabric featuring satin trim front and sleeve

Limited Collection Zip Shoulder Jersey Tunic, at M&S
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

Body Low Rise Sheer Lace Shorts, at M&S
Pretty lace merges with a sleek low rise cut on this flattering set of shorts. Added stretch ensures durable and shapely comfort

Pure Cotton Buzz Hooded Jersey Top, at Marks and Spencer
Fans of Toy Story can dress like their favourite superhero Buzz in this fun hooded costume top

Freshfeet Faux Fur Warmlined Slippers, at Marks and Spencer
Slip-on Round toe Contrast stitch design Flat sole Sanitised Silver technology effectively reduces bacteria that cause odours

125 Years Fruit Jellies Mug, at Mark's & Spencer
Fruit jelly design 'Marks & Spencer Fruit Jellies' slogan, Manufacturer: Marks & Spencer

The Floral Collection Iris Moisture Rich Hand Wash, at Marks&Spencer
Handwash Moisture rich 250ml

Chunky Marble Necklace & Bracelet Set, at M&S
2 part set Stretch bracelet Clasp fastening necklace Adjustable necklace length Marble design Chunky style Necklace length 48cm, extendable by 8cm

Cotton Rich 3/4 Sleeve Mock Layer Jumper, at Marks & Spenser
Contemporary and casual, this jumper is made with cool comfortable cotton and features a mock undershirt for a fashionable look

Wavy Profile Pine Mirror, at Marks & Spenser
Rectangular shape Wooden frame Beveled edging Dimensions: H89 x W76cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sebo K3 Vulcano Cylinder Vacuum Cleaner, at Marks and Spenser
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

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

Pure Cotton Sleeveless Knitted Waistcoat, at Marks & Spenser
Casual and modern, this sleeveless waistcoat is made from pure natural cotton and features front pockets for a fashionable look

2 Piece Pure Cotton Embroidered Dress & Top, at Marks&Spencer
A cute look in pure soft cotton, this coordinated outfit combines a stripe top with pinafore dress. The embroidered detail adds a pretty finishing touch

Hannah Montana Wall Planner, at Mark's & Spencer
Wall planner Wipe clean pen Postcard 'Ticket' 337mm x 560mm Disney

Besides Mark & Spencers Motor Insurance, M&S Money Direct Credit Cards and other financial products, M&S Money Direct Buildings & Contents 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 & Spensers purchases are also protected while you take them home.

Also, on both M&S Money Direct Premier Buildings & Contents Insurance and Standard Buildings & Contents 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.