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.

There are lots of ways to save money using M&S Money Direct. Not least of these is Mark's & Spencer Standard Motor Insurance. With M&S Money Direct you can keep the cost of your Motor 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 Motor Insurance cover from M&S Money Direct, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from M&S, 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 Motor Insurance from M&S Finance, you get more, and you pay less.

When you're shopping at M&S 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 & 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."

Bold Maxi Sunglasses, at Marks & Spencer
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Per Una Linen Blend Frill Detail Cardigan, at Marks and Spencer
A fashionable long sleeve cardigan in cool linen blend fabric. Front frill detail gives it the Per Una touch

Limited Collection Horseshoe Bow Necklace, at Marks & Spencers
Clasp fastening Adjustable length Horseshoe bow design Dual strand feature Necklace length 41cm, extendable by 8cm

JBL On Stage™ IIIP - Docking Station for iPod®, at M & S
Compatibility: All docking versions of the iPod (including nano G3, iPod classic, iPod touch and iPhone Stereo Mini Jack: Allows connection to a variety of other devices such as MP3 and CD players, desktop computers and laptops (audio input cable included) Full-Navigation Remote: Provides full access to your iPod so you can easily change tracks, browse libraries, adjust settings, and scroll through extras Advanced Technology: Combines many proprietary technologies to provide astonishing bass and clear, accurate high-quality sound Odyssey™ Transducers: The two aluminum domed transducers are driven by powerful Neodymium magnets Computer Optimised Equalisation: The JBL On Stage Micro system equalization was computer optimized to provide a rich, complete sound stage Power: Powered via mains adaptor or 6 AA batteries (not included) Dimensions: Diameter: 15cm, Height: 5cm iPod sold separately

Hastings Wardrobe, at Marks and Spenser
H188 x W96 x D54cm 1 hanging rail and 1 shelf Crafted predominantly from solid pine and fibreboard Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered. Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturer's instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Classic Collection Boucle Button Dressing Gown, at M&S
Relax in style in this comfy dressing gown. The soft fabric will keep you snug and the appliqu floral detail adds a pretty touch

Dine in Wines - Case of 12, at Mark & Spencers
2 Gascogne Cuve Spciale 2008: If you like dry, refreshing white wines, you'll love the mouthwatering flavour of crisp lemons and pears here, combined with a slightly grassy hint and succulent, zesty finish... 2 Garganega Pinot Grigio 2008: Fresh, lively dry white with a distinctive note of ripe lime and a hint of almond... 2 Gold Label Chardonnay 2008: A ripe yet elegant example of French Chardonnay showing rich peach and pineapple fruit and a hint of creamy oak... 2 Reggiano Rosso Single Estate 2007: A lively young red, packed with vibrant soft fruit flavours. Look out for bright purple hits of colour, and an appealing aroma of cranberry and red cherry... 2 Gold Label Cabernet Sauvignon 2007: A delicious French red that shows all the hallmarks of the Cabernet Sauvignon grape - plenty of ripe cassis fruit, a rich but soft structure, and a subtle hint of mint... 2 Classic Claret 2007: A fruity, well-balanced red Bordeaux with a good depth of blackcurrant and a twist of black pepper on the finish... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Grow Your Own Fruit by Carol Klein & The Royal Horticultural Society, at Marks and Spencers
In this book TV presenter and highly-regarded gardener Carol Klein creates a lavishly illustrated, practical and inspiring beginner's handbook to everything anyone ever needs to know to grow fruits all year round

Single Hard-Top Divan with 1 Small + 1 Large Drawer & M100 Mattress, at Marks & Spencer
Single (3ft): W90 x L190 Mattress depth: 21.5cm Divan height: 41cm Divan drawer sizes: Large - H14 x W78 x D52cm, Small - H14 x W40 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table 1 large and 1 small drawer Mattress does not require turning All mattresses and divans are anti-allergy protected 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

Autograph Double Buckle Leather Holdall, at Mark's & Spencer
Stylish and contemporary, this leather holdall features double buckle detail. A fashionable and practical must-have

Stainless Steel Small Tongs, at Marks & Spencer
Stainless steel design Tong ends with holes, Manufacturer: Marks & Spencer

Florentyna Shower Crème, at M & S
Florentyna shower crme with moisturisers For use in bath or shower 200ml

Leather Reversible Gunmetal Buckle Belt, at Mark & Spencers
Add a smart finishing touch with this reversible leather belt.

Fabric Beer Glass Card, at Marks & Spencers
Cover text: Happy Birthday Inside message: Have a great day! Approx size: 178 x 125mm

Autograph Loretto Left-Hand Chaise, at Marks n Spencer
All-weather synthetic rattan Silver-effect rattan Quick drying foam seat pad made from 100% polyester H62 x W200 x D97.5cm Seat H30.5cm Suitable for indoor or outdoor use This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Small Packaway Bag, at Marks and Spencers
This trendy packaway shopping bag that is easy to carry, for those unforeseen purchases

Big And Tall Single Breasted 2 Button Jacket, at Marks & Spencer
Specially proportioned for big and tall men, this single breasted jacket is designed to give a flattering, comfortable fit

Non-Iron Stain Defence™ & Stormwear™ Zip Pocket Bootleg Trousers, at Marks and Spencer
Smart and modern, these easycare bootleg trousers are treated with our unique Stain Defence™ and Stormwear™ finishes, making them resistant to water and stains

Short Sleeve Pintuck Front Bow Top, at Mark's & Spencer
This fashionable jersey top features a stylish bow and pintuck detail for a fresh modern look

BT Granite Twin DECT Cordless Telephone with Answering Machine, at Marks and Spencers
DECT - Digitally enhanced cordless phones provide crystal clear sound quality, increased talk time and range coupled with increased security Fully GAP compatible (register up to 5 handsets) 100 name and number directory 30 number calls list 20 number redial list SMS Text messaging Call transfer Handsfree Call timer Conference call 10 hours talktime, 100 hours standby Up to 12 minutes recording time for the answering machine Call screening 15 ringtones Base: 260g Handset: 76g 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

2 Angle Scallop Trim First Bras, at Mark & Spensers
These great value bras are ideal for everyday wear. They're made with stretchy cotton for a supportive and comfortable fit and the non-wired design is the best choice for first bras

Stripe Bowl, at M&S
Stripe design Height: 6.5cm Diameter: 16cm, Manufacturer: Marks & Spencer

His & Hers Card Game, at Marks & Spenser
Number of players: 2 teams, 2 female players, 2 male players Suitable for ages 14+ Pack contains: 60 male question cards, 60 female question cards, score pad, pencil, sand timer and instructions Approx. card size: 89 x 59mm This product conforms to the EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Heroes & Villains CD, at Marks and Spencer
Audio CD, Marks & Spencer

Cotton Rich Embroidered Animal Top & Dungaree Set, at Marks and Spencer
Soft fabrics, fashionable designs and cute finishing touches make our babywear range outstanding. This high quality, great value top and dungaree set is designed to keep baby looking adorable and feeling comfy and happy

Larson Chair, at M+S
H90 x W67 x D87cm Seat H43cm, arm H64cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Back cushions made from fixed foam 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

Autograph Pure Cotton Floral Embroidered Top, at MarksandSpencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Autograph Weekend Pure Cotton Stripe Shirt, at Marks & Spensers
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Autograph Leather Shopping Bag, at M&S
Fashionable and practical, this leather shopping bag is a useful accessory with bags of style!

Black Glitter Son Birthday Card, at Marks & Spensers
Cover text: Son Inside message: Happy birthday Approx size: 150 x 150mm

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 Marks & Spenser 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, Sainsbury's, 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.