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

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

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.

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

Per Una Faux Fur Hooded Long Jacket, at Marks and Spencer
A cosy faux fur hooded jacket featuring button and zip fastening

Lego Creator Toy, at Marks & Spencers
Suitable for ages 6+ 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

Fern Armchair, at Marks and Spencer
H98 x W106 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 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

Lace Trim Brazilian Knickers, at Marks & Spenser
Brazilian briefs are the newest trend in knicker shapes with their flirty cutaway styling at the front and back. These flattering lace trim briefs are designed to make the most of your figure

Classic Ceramic Tall Mirror, at Marks & Spenser
Freestanding Round mirror H38 x W17 x D16cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Black Gloss Pepper Mill, at Marks and Spencer
Fitted with a durable stainless steel mechanism Screw top design Adjustable for fine or coarse grind Used for peppercorns Lifetime guarantee Approx size: L4.5 x W4.5 x H19.5cm, Manufacturer: Marks & Spencer

Sprung-Edge Suede Divan with 4 Large Drawers & Autograph M500 Zip & Link Mattress, at Marks and Spenser
Mattress (6ft): W180 x L200 cm Divan (6ft): W180 x L200cm Mattress depth: 27.5cm Divan Height: 41cm Mattress is entirely handmade Individually pocketed springs Mattress features deep pillowtop layer containing high quality fillings of cashmere, silk and super-soft reflex foam Two further layers of cotton and polyester underneath the pillowtop layer Double row of hand side-stitching to add support to the edges of the mattress Zip & Link allows you to combine different levels of firmness on the left and right sides of the mattress. The two sides of the mattress zip together, so you and your partner can choose between medium or firm support Spring count: 1225 Mattress unzips into 2 easier to fit into your home Pocket sprung mattresses give a flexible feel Sprung-Edge divan - can be used with any mattress Mattress does not require turning All mattresses and Divans are manufactured in the UK 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

Handcrafted Black Velvet Flock Valentine Card, at Marks & Spencers
Cover text: Valentine Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 178 x 127mm

Pure Cotton Mini Check Shirt, at M & S
This fab long sleeve shirt features a stunning mini check design. A sophisticated new look, perfect for this season

40 Denier Bodysensor™ Opaque Hold Ups, at Marks & Spencer
These comfortable 40 denier opaque hold ups are made with added stretch and a reinforced toe for durability. They feature bodysensor™ technology to keep you warm when it's cool and cool when it's warm

Classic Collection Pure Cotton V-Neck Top, at M&S
Feminine and pretty, this versatile top is made from soft easycare fabric and features a floral print neckline. A fashionable style with a comfortable, flattering fit

Pure Silk Floral Swirl Handkercheif, at Marks and Spencers
A luxuriously soft handkerchief in pure silk

Hanging Bag & Cosmetic Purse Set, at Marks and Spenser
2 piece set Hanging bag with multi compartments Cosmetic purse with zip fastening Plain

125 Years Autograph Pure Cotton Floral Frill Top, at Marks&Spencer
Part of the Commemorative Collection, celebrating 125 years of M&S. Fabulous vintage style inspired by our archives

Pure Cotton Twill Bonded Jacket, at Marks & Spencers
Modern and stylish, this single breasted jacket is beautifully designed for a flattering, sophisticated look

Fairtrade Organic Cotton Plain Flat Sheet, at Marks & Spencer
Plain Single: W178 x L260cm Double: W228 x L260cm 5ft (Queen): W275cm x L275cm 6ft (King): W310 x L275cm Threadcount: 180 Available in duvet cover, fitted sheet, flat sheet and pillowcase Click to view a video about Fairtrade Cotton , Manufacturer: Marks & Spencer

Autograph Zig Zag Tile Bedcover, at Marks and Spencers
Zig Zag design, Manufacturer: Marks & Spencer

Limited Collection Darling Bow Necklace, at Marks & Spensers
Clasp fastening Adjustable length Snake design chain Bow feature Necklace length 40cm, extendable by 8cm

Plain Low Rise Bikini Bottoms, at M+S
Sleek and stylish, these flattering tankini bottoms are designed in the latest shape.

Acetate Gold Foil and Stitching Flower Birthday Card, at Marks and Spencers
Cover Text: Happy birthday Inside Message: Blank for your own message Approx size: 174 x 126mm

Miele S7260 Upright Cat & Dog Vacuum Cleaner, at Marks & Spensers
6 litre dust bag capacity 1800W Sealed system for optimum filtration 14.5 metre operating radius Supplied with an Active Air Clean filter Dust bag change indicator - signals when the dustbag needs to be replaced Rotary Dial to adjust the suction power for different floorings Smooth running 360 swivel castors. Castors mounted on steel axles to ensure excellent maneouvrability An Upholstery nozzle, Dusting brush and Crevice nozzle are all stored at the rear of the cleaner Weight: 9.5 kg Dimensions: H1160.6 x W349.3 x D377.9mm 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 , Manufacturer: Marks & Spencer

Blue Harbour Pure Linen Short Sleeve Stripe Shirt, at Mark's & Spencer
Stylishly smart casual, this short sleeve shirt is cut for a great fit. It's made from pure linen so it feels cool and comfortable to wear

Detroit Dining Table & 6 Alton Damask Chairs Set, at Marks and Spencers
7 piece set Table: H75 x W90 x D150cm Chair: H99 x W46 x D54cm Table seats 6 Damask print upholstery on 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

Signature Ginger Lily Refresher Oil, at M+S
Ginger lily fragrance 15ml Can also be used as a burner oil, Manufacturer: Marks & Spencer

The Floral Collection Iris Purse Gift Set, at Marks and Spenser
4 part set Moisturising Hand and Body Lotion: 50ml Moisture Rich Foaming Bath Cream: 50ml Moisture Rich Shower Cream: 50ml Iris fragrance Presented in a purse

Limited Stripe Hat & Scarf Set, at Marks & Spencers
Fashionable and cosy, this hat and scarf set is perfect for chilly days

Collezione Pure Wool Single Breasted 3 Button Jacket, at Marks and Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care to give you a feeling of luxury like no other

Limited Collection High Heel Shoes, at M&S
Round toe Buckle fastening High heel Patent finish Comes in sizes 3-8, including half sizes

Nail Treatment Pens, at Marks & Spencers
Cuticle softener pen with natural oils to hydrate and soothe your cuticles. Apply daily to the cuticle bed Nail nourishment pen with natural oils, aloe vera and vitamins A, C and E to strengthen your nails while maintaining flexibility and resistance to breaking. Apply daily to the nail surface Nail polish corrector pen angled tips instantly remove dry nail polish to achieve a professional finish. Extra tips can be used as spares or interchanged to prevent colour transfer

Autograph Pure Cotton Cinchback Jeans, at Marks & Spencer
Cinchback design and stitch detailing gives these jeans a modern twist. A practical and fashionable style

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 Spencer 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.