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 Household 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 Household 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 Mark's & Spencer 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 and Spenser, 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 Household Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Shopping for financial products at M&S Money Direct UK website is just as simple as shopping for fashion or furniture at the Marks&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 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 & Spenser, 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.

Handmade Flowers Slim Diary, at Marks n Spencer
Floral design Approx. size: 165 x 80mm

Limited Collection Skinny Jeans, at Marks & Spenser
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

Leopard Print Flexilite Umbrella, at Marks and Spenser
Brighten up rainy days with this stylish lightweight umbrella

2 Pairs of Cotton Rich Plain Tights, at M&S
Stock up on stylish essentials with this pack of 2 cotton rich plain tights

New 32GB Apple iPod touch, at Marks & Spencer
Holds up to 7,000 songs, 25,000 iPod-viewable photos, and 40 hours of video or some of each Genius feature finds the songs in your library that go great together and makes a Genius playlist for you Accelerometer - detects when you rotate it from portrait to landscape, then automatically changes the contents of the display 3.5-inch (diagonal) widescreen Multi-Touch display. 480-by-320-pixel resolution at 163 pixels per inch Ambient light sensor Built-in volume controls and speaker - Volume buttons built into the left side give you easy access to the most frequently used controls Built-in Wi-Fi - Surf the web and view your email Cover Flow - flip through your album art Play games with stunning 3D graphics. Tilt, move, and play accelerometer-inspired games. Use Multi-Touch to give you precise, fingertip control over game elements. (games available separately) Contoured stainless steel design Built-in speaker - lets you hear the music, dialogue, and action without headphones, perfect for casual listening Nike + iPod support - Slip the Nike + iPod Sensor (available separately) into your Nike+ shoe and start your run. The sensor communicates wirelessly with your iPod touch, tracking your time, distance, and calories burned. It even gives you voice feedback on your progress. Works with new cardio equipment available in many fitness centres Dimensions: H11 x W6.2 x D0.8cm Weight: 115 grams For Mac and Windows. Requires Windows Vista or Windows XP Home or Professional or Mac OS X v10.4.11 or later Built-in rechargeable lithium ion battery capable of up to 36 hours of audio playback or 6 hours of video playback In the box: iPod touch, Polishing cloth, earphones, USB 2.0 cable, dock adaptor, Quick Start guide TM and 2008 Apple Inc. All rights reserved 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

Matching Shapes Puzzle, at Marks & Spensers
Suitable for ages 0-3 years 18 pieces Helps with hand-eye coordination and problem solving This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Pure Cotton Ditsy Print Mock Layer Top, at MarksandSpencer
It looks like a shirt and knitted top, but this fashionable mock layered design is just one piece. The ditsy floral print adds a stylish touch.

Floral Polka Dot Wedding Keepsake Box, at Marks & Spencers
Contains: 1 keepsake box Approx size: H290 x W290 x D95mm

Balgownie Estate Bendigo Cabernet Sauvignon 2005 - Case of 6, at M & S
Style: Dry Grape variety: Cabernet Sauvignon Country of origin: Australia Closure: Screwcap Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Pure Cotton Scoop Neck Jersey T-Shirt, at M&S
This short sleeved t-shirt will make a useful addition to your wardrobe. It features a smart scoop neck for a stylish casual look

5 Pairs of Knee Length Socks, at Mark's & Spencer
Perfect for the school year ahead, these knee length socks are oh so smart. The elastane ribbed tops ensure they'll stay up all day

Blue Harbour Cashmilon™ V-Neck Stripe Jumper, at Marks and Spenser
Soft and comfortable, this smart v-neck jumper is outstanding value and made from supersoft Cashmilon™

Limited Collection Leather Biker Jacket, at Marks & Spenser
A fashion-conscious look in luxurious leather, this biker style jacket is a must have

Green Floral Pencil Pleat Curtains, at Marks and Spencer
Floral embroidered design Pencil pleat Lined Comes in standard 168cm/66in (STD) and wider 219cm/86in (WDR) widths Also comes in two drop lengths: short (137cm/54in) and medium (183cm/72in) How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Vehicle Sticker Book, at Marks & Spencers
Go sticker crazy with 1000 vehicle stickers. There are monster trucks, racing cars, planes, police cars, motorbikes and much more, all waiting for you inside. Play the cool sticker games and check out the sticker ideas. Stick them around your bedroom or on your clothes. Ready? Get sticking!

2 Plain First Bras, at Marks & Spencers
This simply styled great value bra is ideal for everyday wear. It's woven with stretchy cotton/fabric for a supportive and comfortable fit and the non-wired design is the best choice for first bras

5 TactelŽ Plain Bikini Knickers, at Marks and Spencers
Renowned for its superior comfort and durability, Tactel provides a smart, practical base for these essential briefs. This pack of plain high leg bikinis is great value and perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

4 Pairs of Autograph Cotton Rich Multi Stripe Socks, at M&S
Modern and fashionable, these multi stripe socks are part of our exclusive Autograph collection

Autograph Jewel Moccasin Pumps, at Mark's & Spencer
Round toe Patent effect Jewel detail Slip on Flat sole Comes in sizes 3-8, including half sizes

Autograph Light Control Guipure Waist Cincher, at MarksandSpencer
This waist cincher gives total body definition, shaping your tummy, waist and bottom with the flexibility of wearing your own bra. It's comfortable, breathable and easy to move around in, and the special finish keeps you cool and dry. Beautiful exclusive lingerie

Indian Summer Pure Cotton Oven Mitt, at Marks & Spencer
Hanging loop Stripe design, Manufacturer: Marks & Spencer

Die Cut Duckling New Baby Card, at Marks and Spencers
Cover text: New baby Inside message: Congratulations Approx size: Unfolded: 150 x 150mm

Pure Cotton Turn-Up Sleeve Drawstring Coat, at M&S
Modern and stylish, this turn-up sleeve coat is beautifully designed for a flattering, sophisticated look

Long Sleeve Cowl Neck Jumper, at Marks & Spencers
Modern and stylish, this jumper is a versatile, easywear look.

Margaret River Semillon Sauvignon Blanc 2007 - Case of 6, at Marks & Spensers
Style: Dry Grape variety: Semillon and Sauvignon Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 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

Plain Black Flexilite Umbrella, at Marks and Spencers
Lightweight and easy to carry, this slimline umbrella provides you with effective protection from those sudden downpours

Pure Cotton Sleeveless Broderie Vest, at Marks & Spensers
A broderie design makes this soft cotton vest top fabulously fashionable

Autograph Flat Front Black Stripe Trousers, at Mark's & Spencer
Our Autograph suits are made from finer fabrics with superior attention to detail, giving you the ultimate in sharp, sophisticated style

Footglove™ Wide Fit Leather High Heel Court Shoes, at Marks & Spenser
Step out in style in these wide fit Footglove™ shoes, made from soft leather. Comfortable, lightweight and flexible

Matt Double Bridge Sunglasses, at Mark & Spensers
Providing essential protection for the eyes, these stylish and wearable shades will flatter most face shapes

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 MarksandSpencer are so useful. M&S Money Direct financial products are, of course, designed to make Marks & 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.