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 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.

Shopping for financial products at M&S Money Direct UK website is just as simple as shopping for fashion or furniture at the Mark & Spencers 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 Motor Insurance, M&S Buildings & Contents 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 and Spencer, 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.

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 and 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, 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.

Per Una Lace Non-Padded Underwired Bra, at Mark & Spensers
Feminine and delicate, this stylish bra features stretch lace fabric and a floral lace trim. It's underwired and structured for great support and an enhanced natural shape. Pretty everyday fashion

PlayStation®3 Pro Evolution Soccer 09, at Marks & Spenser
Improved graphics for an ultra real stadium experience Improved AI engine for more life like opposition More realistic camera angles for your preferred playing perspective Updated rosters from your favorite club and national teams Immersive single player and multiplayer game modes 2007 Sony Computer Entertainment Europe 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 *Must be returned with the tamper seal intact for full refund, ESRB Rating: Everyone

5 Pairs of Newborn Cotton Rich Assorted Design Socks, at Marks and Spencer
Brighten up his underwear drawer with these fashionable assorted design made from soft breathable cotton rich fabric

Zandra Rhodes Twist Front Kaftan, at Marks & Spenser
Go for poolside glamour in this chic kaftan by Zandra Rhodes. It's hand embellished for a luxurious, eye-catching look and has a flattering deep V neckline and gathered twist detailing

Elegant Droplet 5-Arm Ceiling Light, at Marks and Spencer
Chrome finish Droplet design 5 arms for bulbs Bulb: 60W SES H46 x W39 x D37cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Square Check Wrap Mini Skirt, at Marks & Spenser
Short and sweet, this mini skirt looks and feels luxurious. Stylish, practical and fashionable

Silver Plated Glitter Stick Earrings, at Marks & Spencers
Hook fastening Single strand design Diamant detail For hygiene reasons, refunds will only be given in accordance with your legal rights

Cashmilon™ V-Neck Long Sleeve Jumper, at Marks & Spensers
Supersoft cashmilon™ makes this outstanding value jumper feel so comfy to wear. A practical easycare style

Pure Cotton Bright Stripe T-Shirt & Shorts, at Marks n Spencer
Contemporary and fashionable, these pure shortie pyjamas make the perfect choice for relaxing in style and comfort

Château Panchille Cuvée Alix 2005 - Case of 6, at MarksandSpencer
Style: Full bodied Grape variety: Merlot, Cabernet Sauvignon, Cabernet Franc Country of origin: France Closure: Natural cork Suitable for vegetarians 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

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

Luxury Long Sleeve Multi Stripe Shirt with Silk, at Mark's & Spencer
The superior quality, cut and detailing on this luxurious cotton and silk shirt are inspired by Jermyn Street tailors. A sophisticated style with a great fit

Older Girls' Pure Cotton Hello Kitty Pyjamas, at Marks & Spenser
A must for fans of Hello Kitty, these pyjamas feature a fun motif

Autograph Weekend Double Breasted Cardigan, at Marks & Spencer
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

Orchid Floral Cushion, at Marks & Spencer
Multi-colour floral design L50 x W50cm, Manufacturer: Marks & Spencer

150 Maths and English Activities, at Marks and Spencers
150 Maths and English activities designed to support learning at school. Carefully linked to the National Curriculum. With over 200 gold stars and sticker badges to encourage and reward your child

Classic Fragrance Florentyna Soaps, at M&S
3 x 75g soaps Round soaps with rose petal detail Rose petal detail Moisturising formula Box dimensions: W20.5 x D2.5x H7cm

Halterneck Centre Ring Bikini Top, at Marks & Spencer
Modern and stylish, this flattering bikini is designed in the latest shape. Make a splash!

Ditsy Floral Stud Earrings, at Marks and Spencer
Butterfly clip fastening Floral design For hygiene reasons, refunds will only be given in accordance with your legal rights

Glass Scales, at Marks & Spencers
Digital display Glass design Dimensions: L32 x W30 x H4.4cm Max weight: 28st, Manufacturer: Marks & Spencer

2 Autograph Headbands, at Marks & Spencer
Keep tumbling tresses off your face with this set of 2 headbands

Pure Cotton Police Patrol Hooded Top, at Marks & Spencer
Fun and fashionable, this pure cotton hooded top is outstanding value!

Honey Tree Sparkling Chardonnay Pinot Noir - Case of 6, at Marks and Spencers
Style: Dry Grape variety: Chardonnay Country of origin: Australia Closure: Natural cork 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

Leather Travel Wallet, at Marks and Spenser
Smart, stylish and practical, this leather wallet makes it easy to organise cards, notes and coins

Moscato Freisa Sweet Sparkling Rose NV - Case of 12, at Mark & Spensers
Style: Sweet Grape Variety: Moscato, Freisa Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 6.5% vol. Alcohol units per bottle: 4.9 Alcohol units per 125ml: 0.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Lavender Scented Pillar Candle, at Marks and Spenser
Lavender fragrance Includes candle plate Burns upto 50 hours, Manufacturer: Marks & Spencer

125 Years Halterneck Ombre Swimsuit, at Marks & Spencer
Part of the Commemorative Collection. These exclusive garments have been inspired by some of the beautiful pieces in our archive and reference the iconic decades of the 20th century. Retro styling has been given a contemporary twist for the modern day

Autograph Punch Stitch Apron Shoes by Jeffery-West, at Marks & Spenser
Slip-on Square toe Stitch detail Shallow block heel

Curve Collection Floor Lamp, at Marks & Spensers
Bubble design shade Long curved arm Round Base, Manufacturer: Marks & Spencer

Formula Revival Cosmetox Serum Plus, at Marks and Spencers
Proven results after four weeks Collagen-boosting actives to improve the skins structure Hyaluronic acid filling spheres to plump the skin Hypoallergenic Suitable for all skin types 30ml

There are lots of ways to save money using M&S Money Direct. Not least of these is Marks & Spencers 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 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 Motor Insurance from M&S Finance, you get more, and you pay less.