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 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 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 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 & 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 & Spencers Money, you get more, and you pay less.

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

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

Dora The Explorer Follow The Music Piano Sound Book, at Marks & Spensers
Children will love pressing the buttons and singing along to this Dora The Explorer piano sound book which includes 9 beautiful songs

Pure Wool Anatolia Rug, at Marks & Spencer
Made from New Zealand wool Traditional pattern Fringed design Small: L140 x W80cm Medium: L170x W120cm Large: L230 x W160cm, Manufacturer: Marks & Spencer

Classic Text Thank You Teacher Card, at M+S
Cover text: You're a star...Thank You Inside message: For all you've taught me Approx size: 178 x 126mm

Autograph Pure Cashmere Knitted Scarf, at Marks and Spenser
Indulge in a touch of luxury with this pure cashmere knitted scarf. It looks and feels gorgeous and comes in a range of beautiful colours so you'll be able to accessorise every outfit

Summer Manor Pasta Bowl, at Marks and Spencers
Floral trim design Dishwasher and microwave safe, Manufacturer: Marks & Spencer

Sonoma 3 Door Sideboard & Glass Top Unit Set, at Marks and Spencers
3-door glazed top unit: H110 x W178 x D33cm 3-drawer sideboard: H88 x W178 x D50cm 3 cupboards each with a adjustable shelf 6 adjustable glass shelves Shelves made from safety-tested toughened glass Made from solid oak and oak veneer Solid oak end grain detail This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Drawer boxes and fronts made from solid Oak. Drawer bottoms made from White Oak veneer Handles made from solid wood Side and back made from White Oak veneer Top panel is veneered with solid Oak edging for strength All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Florentyna Foam Bath, at M&S
Foam bath with moisturisers 250ml

3 Pairs of Newborn Cotton Rich Assorted Design Socks, at Marks and Spencer
Fun and fashionable, these soft cotton rich socks feature assorted design

2 Plain Multiway Padded Bras, at Marks & Spenser
These versatile bras can be worn 5 ways: conventionally, halterneck, cross back, strapless and one shoulder. Designed for a comfortable flattering fit, secure support and great flexibility

Older Girls' Canvas Trainers, at Marks n Spencer
Round toe Lace up Metallic finish Canvas design Flat sole

Autograph Mineral Powder Blusher, at Marks & Spensers
Designed for all skin types Fragrance and preservative free Hypoallergenic

Pure Cotton Thomas Hooded T-Shirt & Shorts Outfit, at Marks and Spencer
Fans of Thomas The Tank Engine will love this pure cotton 3 part set featuring Thomas the popular character. A practical, easycare style

Ashbourne Storage Footstool, at Marks & Spencer
H46 x W68 x D58cm all dimensions are approximate) Top cushion 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 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

Per Una Eau De Toilette Limited Edition Spray, at M & S
Clear bottle with Per Una floral print Floral and fruity fragrance 50ml This product is not available for international delivery. Find out more

GG-J Half Lace Underwired Bra, at Marks and Spencer
Soft and comfortable, this bra is specially designed for fuller busts. It's underwired and structured to give great support and a flattering enhanced shape

Pure Wool Single Breasted 2 Button House Check Jacket, at M&S
Beautifully tailored and finished with careful attention to detail, this luxurious jacket is made from pure wool

2 Pairs of Plain & Stripe Ankle High Socks, at Marks n Spencer
Designed for essential comfort and breathability, these ankle high socks are outstanding value

Linen Blend Wide Leg Trousers, at M & S
Flattering and feminine, these wide leg trousers are made from a cool linen blend. Added stretch gives the perfect fit. A look that's always in style

Formula HydraSkin Therapy Aqua Boosting Mask, at Marks & Spencer
Instantly moisturizes Revitalizes and energizes Restores suppleness and radiance Hypoallergenic Suitable for all skin types 75ml

Blue Harbour Luxury Pure Cotton Herringbone Shirt, at M+S
Relaxed and stylish, this herringbone shirt is made from pure cotton so it feels soft and comfortable to wear

Blue Harbour Long Sleeve V-Neck Jumper, at M&S
Soft and comfortable, this smart v-neck jumper is outstanding value and made from supersoft Cashmilon™

Big And Tall Suedette Rib Jacket, at Marks & Spencers
Specially proportioned for big and tall men, this single breasted jacket is designed to give a flattering, comfortable fit

Pure Cotton Short Sleeve Stripe T-Shirt, at MarksandSpencer
This short sleeved t-shirt will make a useful addition to your wardrobe. It features smart stripe print for a stylish casual look

Montsant Old Vines Garnacha 2005 - Case of 6, at Marks&Spencer
Style: Full bodied Grape variety: Garnacha Country of origin: Spain 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

Rose Guipure Non-Wired Bra, at Marks & Spenser
Offering the superior support and control you need for those high impact workouts. This sports bra sets the pace for essential comfort thanks to an easycare fabric and the shape retaining qualities of added stretch

HP Pavilion dv2-1035ea Entertainment Notebook, at Marks and Spencer
Processor: AMD Athlon™ Neo Processor for Ultrathin Notebooks MV-40 Processor speed: 1.60 GHz, Level 2 cache 512 KB Memory: 4096 MB (2 x 2048 MB), Supports up to 4 GB DDR2 memory Hard Drive: 500 GB SATA Hard Disk Drive 5400 rpm up to 9 GB partition for system recovery Display: 12.1'' Diagonal WXGA High-Definition HP LED BrightView Widescreen Display Operating System: Genuine Windows Vista Home Premium with Service Pack 1 Graphics Card: ATI Mobility Radeon HD 3410, up to 1790 MB total graphics memory with 512 MB dedicated DVD Drive: LightScribe SuperMulti 8X DVDRW with Double Layer Support Memory slot: 5-in-1 integrated Digital Media Reader for Secure Digital cards, MultiMedia cards, Memory Stick, Memory Stick Pro, or xD Picture cards Camera: Webcam with integrated microphone Interfaces: 3 USB 2.0, 1 HDMI connector, 1 VGA , 1 RJ45 ethernet connector, 1 headphones-out, 1 mic-in Connectivity: Ethernet 10/100BT integrated network interface 802.11b/g WLAN Battery: 4-cell Lithium-Ion (Li-Ion) battery Media software: Windows Media Player, DVD Play, Windows Movie Maker, Windows DVD Maker, Cyberlink DVD Suite, Windows Media center, HP Games Console with hours of free game play Additional software: Microsoft Works and Microsoft Office Home and Student 2007 60-Day Trial Version, Microsoft Internet Explorer, Windows Mail, Adobe Reader, HP MediaSmart Suite, HP Total Care Advisor Dimensions: L29.2 x W24 x H3.27cm Weight: 1.7kg

Girls' Limited Corsage Pull On Hat & Mittens, at Marks & Spencer
Snug and cosy, this cute hat and mittens set makes a fashionable choice for chilly weather

Recycled Cool Comfort Full Slip, at Marks n Spencer
This innovative slip is cling resistant and designed to keep you feeling cool, dry and comfortable. It's made with polyester from recycled plastic waste instead of oil. Using recycled materials helps to conserve the earth's natural resources and protect the environment for future generations

Nintendo DS Lite™ Console - Pink, at Marks & Spencers
Dual Screens open up new possibilities - use the touch screen as an inventory reference for role-playing games, to view maps for your favourite strategy game, or see racing action from two perspectives at once Navigate menus or access inventory items simply by touching the screen with stylus or fingertip Tough film to protects touchscreen Advanced 3D graphics engine and 16-channel audio, for graphics and Sound that are superior to other portable game systems All-new PictoChat feature allows DS users to write messages with an on-screen Keyboard or the stylus and send them wirelessly Built-in Microphone port for voice control of games, or for voice chat with other DS players Less than two-thirds the size of the original Nintendo DS More than 20 percent lighter than original DS 4 adjustable brightness levels to extend battery life Repositioned microphone and LED lights Stylus has been redesigned- now 1cm longer and 1mm thicker Repositioned start and select buttons 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

Pure Cotton Spiderman Mock Layer Hooded Top, at M&S
Fans of Spiderman will love this mock layered hooded top featuring the popular character. A practical, easycare style

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks & Spencer once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks & Spenser, through its M&S Money Direct website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Buildings Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.