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

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 & Spenser are so useful. M&S Money Direct financial products are, of course, designed to make Marks and Spencers 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, House Insurance policies. Usually, UK House 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 House 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 House Insurance than you will anywhere else, and you may even pay less with M&S.

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

Mixed Bead Long Rope Necklace, at Marks and Spencer
Long length Mixed beads

Diamante Flower Slim Diary, at Marks & Spencers
Week to view Diamante flower design Ribbon page marker Dimensions: 165 x 80 mm

Aluminium Deep Roasting Tray, at Marks and Spenser
Non-stick Teflon coated Dimensions: L31 x W20.5 x D3cm, Manufacturer: Marks & Spencer

Herringbone Bodyshaper Tights, at Marks & Spencers
Look your best in that special outfit! These herringbone bodyshaper tights lift and shape your curves to give a more defined silhouette

25 Nectarine & Orange Room Scenters, at Marks and Spencer
Pack of 25 Nectarine and orange scented Burns upto 4 hours each, Manufacturer: Marks & Spencer

Vin D'Alsace Gewurztraminer 2008 - Case of 12, at Marks and Spencers
Style: Dry Grape variety: Gewurztraminer Country of origin: France Closure: Screw cap Suitable for vegetarians Bottle: 12 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

Pure Cotton Straight Leg Jeans with Belt, at Marks & Spencer
These straight leg jeans in pure cotton are great value. A practical, easycare style

Padded Drawstring Waist Hooded Gilet, at Marks and Spencer
Warm and cosy, this padded gilet features faux fur trim hood and a drawstring waist. A modern casual look

Fern Large 2 Seater Sofa, at Mark & Spensers
H98 x W220 x D98cm Seat: H50cm (all dimensions are approximate) Seat cushions filled with shape-retaining Ecoflex™ foam - superior quality foam with a high density for added comfort and support, made with 80% recycled plastic bottles 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 Available with loose cushion covers 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 Feet are glides Includes 2 free matching cushions Available in Fairtrade certified cotton (cream coloured) All of our fabrics are treated with Stain-Defence& trade; - 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 Percale Duvet Cover, at M+S
Contrast stitch detail Plain 400 thread count - thread count refers to the number of threads, both vertical and horizontal, in a one-inch square of fabric 100% cotton percale - a medium weight fabric in thread counts of 200 and above, Percale is tighter than standard weave fabrics making it feel luxurious and smooth. It also washes very well. Supima Cotton - superior strength cotton with improved durability and increased lifespan. Because of the fineness of Supima cotton, more fibers can be spun into a yarn of a given count, which enhances the feel, softness, drapeability and brilliance of colour. Think climate! This can be washed effectively at 30C, find out more , Manufacturer: Marks & Spencer

Barletta Love Seat, at Marks & Spencers
H85 x W132 x D98cm Seat H48cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that gives long-lasting performance and helps to maintain the cushions look and shape. Provides improved resilience without compromising on softness. Easy-care and springs back to its original shape after re-fluffing 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

Autograph Pure Cotton Cargo Trousers with Belt, at Marks and Spencers
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

2 Angel Contrast Strap First Bras, at Marks & Spencer
These great value bras are ideal for everyday wear. They're made with stretchy fabric for a supportive and comfortable fit. The unique soft underwiring is perfect for girls who have been wearing our non wired bras for 2 years

Adored Comfort E-G Embroidered Orchid Bra, at Marks and Spencers
Elegant and pretty, this embroidered bra is exceptionally comfortable. It's underwired and structured to give fuller busts great support and a natural uplifted shape. Feminine everyday lingerie

Body Formula Salt Scrub, at Marks & Spencer
250g Fragranced

Jet Graduated Bead Necklace, at Marks & Spencer
Bead feature Clasp fastening Necklace length 49cm, extendable by 5cm

Die Cut Tiny Fairies and Stars Birthday Card, at Marks and Spencer
Cover text: To Someone very special Inside message: With lots of love x Approx size: 150 x 150mm

Per Una Sailor Collar Cardigan with Angora, at M+S
A stylish knitted cardigan in stretch cotton featuring sailor collar and ribbed trim

Zebra Print Jacquard Scarf, at Marks & Spencers
Add some sheer glamorous sparkle to your look with this elegant zebra print scarf. The perfect accessory to this season's styles

Knotted Slouch Bag, at M&S
A casual vintage style pleated bag. Add a fabulously fashionable finish to your look!

Kitchen Island & Granite Top Set, at Marks and Spenser
H90.5 x W100 x D80cm Some self-assembly required. Delivered boxed to your door. You will need to unpack, assemble and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Adored Comfort Padded Plunge Bra, at Marks and Spencer
Elegant and stylish, this padded bra is made from the softest fabric and embroidery, so it feels blissfully comfortable to wear. The underwired plunge style gives a flattering uplifted shape and an enhanced cleavage. Feminine everyday lingerie

Lesley Garrett - Amazing Grace CD, at Marks & Spencers
Audio CD, Marks & Spencer

Portfolio Gathered Detail Metallic Mac with Belt, at Marks & Spensers
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Detroit Dining Table & 6 Alton Plain Leather Chairs Set, at Marks & Spenser
7 piece set Table: H75 x W90 x D150cm Chair: H98.5 x W46 x D49cm Table seats 6 Plain leather upholstered chairs Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs Table top panel made from oak veneer with a solid oak edging for strength 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

Metallic Floral Medium Gift Bag, at Mark & Spensers
Ribbon handles Metallic gift tag 1 gift bag Approx size: H260 x W200 x D90mm

Short Sleeve Pleated Scoop Neck Top, at M&S
This pleated scoop neck top is a casual style essential. Perfect for mixing and matching with trousers or skirts

Nature du Rhône 2007, Côtes du Rhône - Case of 12, at Marks & Spencers
Style: Dry, medium bodied Country of origin: France Grape variety: Grenache, Syrah, Carignan, Cinsault Closure: Natural cork Suitable for vegetarians and vegans Bottle: 12 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 Stem Hurricane Lamp, at Marks and Spencer
Circular shape Glass holder Hand made Sand included Comes with candle H40 x Diam: 15.5cm Burning time: Approx: 65 hours, Manufacturer: Marks & Spencer

Cocktails 18th Birthday Card, at M+S
Approx. size: 215 x 150mm Cover text: Happy 18! There's something extra-special about an 18th birthday... Inside message: ...especially when it's yours! Have a wonderful day, with lots of love

Shopping for financial products at M&S Money Direct UK website is just as simple as shopping for fashion or furniture at the M&S 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 House 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 M+S, 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.