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.

Marks & Spenser may not necessarily be the first name that springs to mind when you're thinking about renewing your Household Insurance or Car Insurance, but Marks & Spencers 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 Money 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 Household 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 (Household 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 M & S insurance products in document format too.

When you're shopping at Marks and Spencer 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 Household Insurance and Car Insurance, there's a lot more going on at Marks and Spencer 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."

Perfect Silver-Plated Photoframe 10 x 15cm (4 x 6''), at Marks&Spencer
Rectangular shape Double mount Removeable mount card Aperture: 10 x 15cm (4 x 6''), Manufacturer: Marks & Spencer

Photo Cocktail Sister Card, at Marks and Spencers
Cover text: Fabulous Sister Inside message: Happy Birthday Approx size: 175 x 126mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Pure Silk Handwoven Cushion, at Mark's & Spencer
Rectangular Plain Frill contrast trim This cushion is produced by Lotus Pond an M&S Fair Partner, Manufacturer: Marks & Spencer

Secret Support™ Slip on Boots, at Marks and Spencers
Round toe Faux fur lining and trim Slip on Flat sole

Body Formula Intensive Night Time Hand Serum, at Marks and Spencer
Active skin regeneration complex Visibly reduces wrinkles and evens skin tones Vitamin C to nourish 75ml

Infusion Contemporary Fragrance Purse Spray 25ml, at Mark's & Spencer
An exotic floral fragrance 25ml eau de toilette spray This product is not available for international delivery. Find out more

Portfolio Slinky Parisienne Necklace, at Marks and Spenser
Clasp fastening Adjustable length Mixed bead design Slinky parisienne style Multi strand feature Necklace length 81cm, extendable by 8cm

Autograph Wide Waistband Slip, at Marks and Spencer
Exceptionally comfortable, this slip is made with modal, a supersoft fabric that feels silky smooth

Per Una Mock Wrap Front Tunic, at Marks and Spenser
A fashionable short fril sleeve tunic featuring embroidered floral design, finished with a front mock wrap and lace trim

Pure Cotton Long Sleeve Cardigan, at Marks & Spencer
Soft and comfy, this lightweight knitted pure cotton cardigan is outstanding value. A fashionable easycare style

Pure Cotton Embroidered Scalloped Trim Vest, at Marks and Spenser
A wonderfully delicate scalloped trim adorns the top of this soft cotton cami whilst a sweet bow adds a pretty girly touch

Rosina Large 2-Seater Occasional Sofa Bed, at Marks & Spensers
H85 x W196 x D97cm (opens to L233cm) Seat: H47cm (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 medium finish Mattress: L180 x W130 x D6cm Foam mattress rests on polypropylene base Mattress recommended for occasional use Sofa bed will support a maximum combined weight of 160kg 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

Pure Cotton °Climate Control Retro Plaid Trilby, at Marks & Spenser
Climate control keeps you cool when you're hot and warms you up when you're cold so you're always at your optimum temperature. Exclusive to M&S, Climate control clothing is comfortable and breathable - ideal for sportswear. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology. Perfect!

Limited Collection Heirloom Hoop Earrings, at Marks & Spencer
Hook fastening Hoop style Assorted bead design For hygiene reasons, refunds will only be given in accordance with your legal rights

Age Repair Intensive Collagen Treatment Mask, at Marks&Spencer
Helps rebuild the skins protective barrier Helps protect the skin from damaging environmental factors Ceramide Complex leaves skin hydrated, smoothed and firmer Hypoallergenic 75ml

Urbino Armchair, at Marks & 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

First Reader Cinderella Book, at Marks and Spenser
Cinderella, the well-loved fairytale, written with vocabulary following the National Literacy Strategy

Autograph Silver-Plated Twig Photo Frame 10 x 15cm (4 x 6"), at MarksandSpencer
Rectangle design Silver plated Aperture: 10 x 15cm (4 x 6"), Manufacturer: Marks & Spencer

Harvard Moisturising Aftershave, at Mark & Spencers
Alcohol free 100ml Smooth sparingly over your face and neck, after washing and shaving Avoid contact with the eyes. Do not apply to broken, irritated or sensitive skin This product is not available for international delivery. Find out more

Boxed Mirror Photo Frame H29 x W24cm (4 x 6''), at Marks and Spencer
Boxed mirror glass design H29 x W24 x D3cm Aperature: 10 x 15cm (4x6'') 1.3kg, Manufacturer: Marks & Spencer

3 Pairs of Cotton Rich Trainer Liner Socks, at Marks & Spenser
Designed to hide neatly inside your trainers, these breathable cotton rich socks are made with added stretch for comfort, and have a cute pom pom detail

Indian Floral Jacquard Pillowcase, at Marks and Spencer
Floral jacquard design Fits standard pillows, Manufacturer: Marks & Spencer

Autograph Pure New Wool Flat Front Trousers, at Marks and Spencer
Fashionable and contemporary, these flat front trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Toulouse 2-Door Large Glazed Dresser, at Marks and Spencer
H112 x W173cm x D43.5 2 Toughened glass sliding doors 4 Adjustable shelves Sits on sideboard (sold separately) Light, natural matt lacquer with protective finish This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Heritage Spot Cushion With Recycled Filling, at M+S
Spot design Stripe pattern 50 x 50cm, Manufacturer: Marks & Spencer

Pure Cotton Denim Playsuit Outfit, at M&S
Fun and fashionable, this easycare playsuit features pintuck details for a modern look

Per Una Short Sleeve Knitted Top with Floral Scarf, at Marks and Spencer
A cosy short sleeve knitted top with a floral scarf, features lace trim neckline

2 Plain Jogging Bottoms, at Marks and Spencer
Relaxed and comfortable, these casual joggers are made from soft cotton and feature a pull tie fastening waist. A practical easycare choice

Pure Silk Lightweight Bold Abstract Border Paisley Scarf, at Marks and Spencer
This sophisticated multi spot scarf is the perfect accessory to this season's fashions. The abstract paisley border design a stylish finishing touch

St Romain 2006 - Case of 6, at M&S
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 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

There are lots of ways to save money using M&S Money Direct. Not least of these is Marks and Spencer Standard Car Insurance. With M&S Money Direct you can keep the cost of your Car Insurance down by choosing Standard cover, over Premier Cover. UK Vehicle can then be added to your policy as optional extras, if you wanted to.

If you're thinking of adding both Breakdown Cover and Motor Legal Protection, then it would cost less to upgrade to Premier Car Insurance cover from M&S Money Direct, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks and Spencers, and these include: Courtesy car (subject to availability); Loss, theft, damage and destruction of vehicle; Loss or damage to personal property in vehicle; Personal accident cover up to £10,000; Windscreen cover (£75 excess); a 24 hour claims service, and many other options as standard on each policy. In short, with Car Insurance from M+S Money, you get more, and you pay less.