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 Home 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 Home 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.

When you're shopping at Marks and Spenser online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M&S Money Direct. Offering everything from savings accounts and credit cards, to Home Insurance and Motor Insurance, there's a lot more going on at Marks & Spensers than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Money Direct. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M&S Money Direct, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Money Direct website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."

M&S Money Direct offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor Insurance policies are much the same is usually a bad idea. At worst it can be a very expensive mistake - this is when you find out that your Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Money Direct Motor Insurance is not like that at all, and when you compare M&S Motor Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Mark & Spencers 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsburys, or Tesco Direct:

• Personal UK and European Breakdown Cover automatically included
• Comprehensive cover for trips abroad in the European Union - up to 90 days per trip
• Courtesy car during approved repairs automatically included
• Cover for Motor Legal Protection automatically included

So, it is clear that, besides being good value, M&S Motor Insurance also provides much more extensive cover than some of the top competitors. Additionally, you don't even need to be behind the wheel to benefit from M&S Money Direct UK and European Breakdown Cover, since it covers you as a passenger too.

Recycled Stormwear™ & Stain Defence™ Senior Blazer, at Marks&Spencer
Smart and innovative, this blazer is made from polyester from 100% recycled materials. It's treated with our unique Stormwear™ and Stain Defence™ finishes so it's resistant to water and stains. A contrast coloured lining adds a finishing touch

Ruched Floral Bedcover, at MarksandSpencer
Rouched flower design 250 x 265cm, Manufacturer: Marks & Spencer

Nail Polish Remover Pads, at MarksandSpencer
Pack of 6 Non acetone formulation can be on either natural or With conditioning glycerine to help prevent nails drying Ideal for travel or carrying in your handbag

Summer Living Pure Cotton Striped Runner, at Marks and Spencers
Stripe design Straight edges L230 x W33cm

Per Una 3/4 Sleeve Jacquard Print Top, at Marks and Spencers
A fashionable 3/4 sleeve jacquard print top in a soft cotton blend fabric, featuring empire line with tie feature

Wave Bedset, at Mark & Spensers
Manufacturer: Marks & Spencer

The Floral Collection Rose Talcum Powder, at Marks & Spencer
Rose fragrance 200g

Pure Cotton Spot Print Cropped Pyjama Bottoms, at Marks & Spensers
Pretty and feminine, these spot design pyjama bottoms are made from soft breathable cotton for a comfortable night's sleep

Per Una 3 Piece Bolero & Vest Set, at Marks & Spencers
A fashionable 3/4 sleeve bolero featuring a matching vest and added scarf

Angle Stack Table Lamp with Faux Silk Shade, at Marks and Spencers
Chrome plated base Triple stack stem Round base Cylinder shade Faux silk shade Dimensions: H61.5 x Diam 35.5cm Bulb: 60W ES or 11W CFL, Manufacturer: Marks & Spencer

Tribeca Large 2 Seater Sofa AU09 Newness, at Marks & Spencer
Manufacturer: Marks & Spencer

Pure Cotton Hooded Top & T-Shirt Set, at Marks & Spencer
This fashionable layered look is a 2 piece set - a t-shirt and hooded top, both in soft comfortable cotton. Stylish, practical and easycare

Adored All Over Lace Non-Padded Bra, at Marks & Spencer
Delicate and pretty, this soft lace bra is exceptionally comfortable and gently supportive. Underwiring and gentle shaping give secure support and an enhanced natural look. Feminine everyday lingerie

Pure Cotton Long Sleeve Hooded Ireland Top, at M&S
Relaxed and comfortable, this fashionable long sleeve hooded top is made from soft cotton and features an embroidered Ireland motif. A practical easycare style

2 Pinstripe Non-Padded DD-G T-Shirt Bras, at Marks&Spencer
Providing great value and comfort for everyday wear, these plain and simple non-wired bras combine supportive full cups with convenient easy to care for fabric

Formula Age Defence 4 in 1 Revitalising Cleansing Wipes, at Marks and Spencer
Contains 25 wipes Specially formulated for use in combination with the rest of the Age Defence range Skin appears revitalised and visibly brighter Formulated to cleanse, moisturise and refresh without irritating or drying your skin Suitable for all skin types Hypoallergenic

Autograph Essentials V-Neck Jumper with Cashmere, at Marks and Spenser
A touch of cashmere adds luxurious softness to this smart v-neck jumper. Exclusive and beautiful

5 Cotton LycraŽ Midi Knickers, at Marks & Spensers
These cotton rich low leg midi knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Chuggington Story & Sticker Activity Book, at Marks & Spencer
Wilson's too scared to get his damaged wheel fixed. But soon the red chugger can't ignore the problem any longer. Maybe the repair shed won't be so scary after all.. Once you've read the story, complete the activity pages at the end of the book. Within stickers of all your favourite friends

Collezione Luxury Pure Cotton Flat Front Trousers, at M+S
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on these trousers to give you a feeling of luxury like no other

Bubble Bullet Glass Vase, at Marks & Spencers
Bullet design Hand made Thick base Bubble base design H31cm, Manufacturer: Marks & Spencer

3 Easycare Long Sleeve Blouses, at Marks and Spencers
This 3 pack of easycare long sleeve blouses is outstanding value. Reinforced seams give extra strength and durability

Perfect Long Sleeve Ribbed Oblong Cardigan, at Marks & Spencer
The fluid, elegant cut of this cardi is wonderfully flattering. Team it with jeans or cords for easy autumn style

3 Older Boys' Autograph Pure Cotton Boxers, at Marks and Spencers
Comfortable, practical and fashionable, this 3 pack of boxers is made from soft breathable cotton

Curlers Photographic Card, at Mark & Spencers
Cover Text: Mum, I'm still your little girl... And you'll always be my best friend... Inside Message: Happy Mother's Day Approx size: 178 x 126mm

Pure Cotton Short Sleeve Spider-Man™ T-Shirt, at Marks & Spencer
Fans of Spider-Man will love this pure cotton t-shirt featuring the popular character. A practical, easycare style

Autograph Cotton Rich Floral Print Dress & Legging Outfit, at Marks & Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Clever Baby Touch & Learn Words Book, at Marks & Spencers
Touch and Learn Words encourages 1 to 2 year olds to build on their learning skills. Its lots of fun too with chunky tabs to choose from and different textures to touch and explore

Formula Moisturising Age Repair Toner, at Marks and Spencer
Targets wrinkles and fine lines Hypoallergenic Suitable for all skin types Alcohol free Ceramide for younger looking skin Zinc complex to normalise and balance Witch hazel to tone and refresh 200ml

Per Una Embroidered Long Sleeve Kaftan, at Marks & Spencers
A casual v-neck kaftan in pure soft cotton featuring an embroidered spot and floral design

Besides Marks & Spencers Motor Insurance, M&S Money Direct Credit Cards and other financial products, M&S Money Direct Home 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 & Spencer purchases are also protected while you take them home.

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