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 & 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.

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

Marks & Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings & Contents Insurance or Car Insurance, but Marks n Spencer do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M&S Money Direct website. With a simple, no-hassle service, you can compare features between a number of M&S Finance products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Money Direct loans, credit cards or Buildings & Contents Insurance - besides a number of other insurance products, M&S Money Direct can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Money Direct insurance products (Buildings & Contents Insurance, Car Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Marks and Spenser insurance products in document format too.

Pure Cotton Happy in the Sun T-Shirt, at Marks and Spencer
Cute and comfy, this short sleeve t-shirt in soft cotton features a fun slogan. A practical easycare style

Flower Branch Thank You Card, at Marks and Spencer
Cover text: Thank you Inside message: Blank for your own message Approx size: Unfolded: 150 x 150mm

Wool Blend Flat Front Trousers, at Marks and Spencer
Smart and stylish, these trousers are made from a hardwearing wool blend. An ideal choice for work or everyday wear

Pure Cotton Frill Hem Jacket, at M & S
Smart and stylish, this pure cotton jacket is tailored to fit and flatter. A great choice for work

Delicious Everyday Drinking - Case of 12, at Marks & Spencers
2 Sicilia Bianco 2008: Clean, fresh limey aromas with lively fruit on the palate. A really refreshing, fruit dry wine... 2 Face Face Colombard Sauvignon 2008: This is a tangy, rounded and lively style of wine, a delectably modern take on the traditional styles of white from south-west France... 2 Casablanca Sauvignon Blanc 2008: A lively, zesty dry white with an inviting, fresh, slightly grassy aroma and mouthwatering flavours of gooseberry, pear and melon... 2 Rosso di Puglia 2008: Ripe but soft Italian red wine, deeply coloured with rich blackberry and cherry notes and hint of toasted nuts... 2 La Croix d'Austran Bordeaux 2008: This is claret at a fantastic price but with that classic scented, earthy and tobacco-leaf character that is so typical of Bordeaux reds... 2 Casablanca Pinot Noir 2008: An exceptionally fruity, soft and moreish red wine that is aromatic with juicy flavours of cherry and mulberry... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Pure Cotton Animal Print Kaftan, at Marks and Spencer
Modern and stylish, this fashionable kaftan features a striking animal print. The ultimate in poolside glamour

Almond Toe Gusset Feature Shoe Boots, at Marks & Spensers
Almond toe Centre stitch detail Gusset feature Slip on Mid heel Heel height: 66mm

Washable Single Pleat Plain Trousers, at Marks & Spensers
Put an end to tiresome trips to the dry cleaners. Our range of machine washable and tumble dry suits combine the best in convenience and contemporary style

Long Sleeve Swing Dress, at Marks & Spenser
Chic and stylish, this long sleeve swing dress makes a great choice for work or smart occasions. It's machine washable for added convenience

Girls' Limited Pure Cotton Acid Wash Dress, at Marks & Spencers
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Autograph Skinny Floral Tie, at Marks&Spencer
Cut narrower for a contemporary look, this skinny tie adds a smart finishing touch. Ideal for sixth form wear

Infusion Contemporary Fragrance Purse Spray 25ml, at Marks and Spenser
An exotic floral fragrance 25ml eau de toilette spray This product is not available for international delivery. Find out more

Autograph Leather Twin Strap Mid Heel Shoes, at M & S
Almond toe Twin buckle strap Mid heel Lined Insolia technology Heel height: 5cm

Cotton Rich Hooded Cardigan, at Marks and Spencer
A practical choice for school, this hooded cardigan is made from soft cotton rich fabric with stretch. It's easycare for convenience

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

Blue Harbour Cotton Rich Corduroy Trousers, at Marks & Spenser
Relaxed and comfortable, these smart casual cords are made from soft cotton rich fabric.

Letters on a String Christening Card, at Marks & Spencer
Cover text: On your christening day Inside message: With love Approx size: 150 x 215mm

Sprung-Edge 1 Small & 1 Large Drawer Single Divan & Autograph M500 Mattress - Medium, at MarksandSpencer
Single 3ft: W90 x L190cm Mattress: spring count 1225, depth 27.5cm Divan height: 41.5cm Divan drawer sizes: 1 x small H15 x W40.5 x D53cm, 1 x large H15 x W78.4 x D53cm This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer No turn mattress Mattress and divan are anti-allergy, Manufacturer: Marks & Spencer

5 Younger Girls' Pure Cotton Dora The Explorer Shorts, at M+S
A must for fans of Dora The Explorer, these pure cotton shorts feature cute motifs of the popular character

Big & Tall Single Breasted Suedette Jacket, at M&S
Specially proportioned for big and tall men, this suedette jacket is designed to give a flattering, comfortable fit

Wedding Band Duo Rings, at Mark & Spencers
Add instant sparkling style with these gorgeous platinum plated rings set with dazzling diamant

Montreal Armchair, at Marks & Spencer
H94 x W115 x D104cm Seat H44cm, arm 63cm, top back rail 70cm (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 seat 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 medium 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

Per Una Twill Panelled Skirt, at Mark's & Spencer
A fashionable mid-calf length skirt in soft cotton blend featuring twill design and rear frill hem detail

The Floral Collection Lavender Bath Cream, at M&S
Moisture rich Foaming Lavender scented 500ml Ingredients: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, Decyl Glucoside, Sodium Chloride, Glycerin, Glycol Distearate, Laureth-4, Disodium EDTA , Citric Acid, Parfum, Lavandula Angustifolia (Lavender) Butylphenyl Methylpropional, Linalool, Magnesium Nitrate, Methylchloroisothiazolinone, Magnesium Chloride, Styrene /Acrylates Copolymer, Sodium Lauryl Sulfate, Methylisothiazolinone, Phenoxyethanol, Methylparaben, Butylparaben, Ethylparaben, Isobutylparaben, Propylparaben

Per Una Cream Eye Shadow, at M&S
Pen style applicator Waterproof Smudgeproof Comes in 6 different shades 5ml

Handcrafted Fabulous Mum Mother's Day Card, at Marks and Spencer
Cover text: To my Fabulous Mum On Mother' Day Inside message: With all my love Approx size: Unfolded: 178 x 126mm

Abalone Butterfly Pendant Necklace, at Marks and Spencer
Clasp fastening Butterfly pendant Abalone detail

Print Your Own Graphic Heart Order Of Service or Menu Cards, at Marks & Spencers
Pack Contains: 10 x order of the day/service or menu cards, 12 x folded insert sheets, 10 ribbons, 1 sheet of glue dots, 1 x instruction leaflet, N.B. The CD-ROM is not included in the pack and is available separately. Approx size: 218 x 154mm As this stationery is not intended for use as invitations, envelopes are not supplied in this pack. The cards in this pack are made with material from FSC certified sustainable forests Use the print your own CD-ROM or download the free version. Download free software to personalise the stationery

Sprung-Edge Suede Divan with 4 Large Drawers & F300 Memory Foam Mattress, at M&S
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: H41cm Large drawers: H14 x W78 x D52cm 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

7 Pure Cotton Assorted Bodysuits, at Marks & Spensers
Stock up on stylish essentials with this pack of 7 bodysuits in natural breathable cotton

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