M&S Money Direct offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Money Direct Car Insurance is not like that at all, and when you compare M&S Car 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 Car Insurance (correct at May 2009), which are quite often not included with comparable Car 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 Car 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.

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

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 Car 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; Car Insurance and Household 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 Household 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.

North Coast Pure Cotton Zip Funnel Neck Jumper, at Marks n Spencer
Relaxed and casual, this knitted zip funnel neck jumper is made from pure cotton. It's designed to keep its shape and feel soft and comfortable to wear

Dolly Dress Up Ballerinas Sticker Book, at Marks & Spensers
This sticker book will keep them busy as they look for an incredible over 400 stickers inside!

Handcrafted Super Hero Mummy's Day Card, at Marks & Spenser
Cover text: Happy Mummy's Day... From your little super hero! Inside message: With lots and lots and lots of love xxx Approx size: 178 x 126mm

10 Print Your Own Graphic Heart RSVP Cards, at M+S
Graphic heart design 10 cards, 1 design Inside message: Many thanks for your kind wedding invitation Would be pleased to accept/cannot accept The cards in this pack are made with material from FSC certified sustainable forests Approx size: 133 mm x 73 mm

Compton Coffee & Side Table Set, at Marks and Spenser
Coffee table: H44.5 x L90 x W90cm Side table: H57 x W50 x D57cm Coffee table has fixed shelf Side table has a drawer Made from White Oak solids and veneers Hand distressed, with the distressing aged with dark patina Mid-brown stained finish, followed by 2 coats of durable, clear lacquer of low sheen Drawer fronts and boxes made with solid hardwood. Draw bottoms made with oak veneer Solid hardwood legs Side panels, door panels, back panels made from oak veneer. Top panels made from oak veneer with a solid oak edging for strength Handles made of solid antiqued brass 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

PlayStation®2 Crash of the Titans Game, at Marks & Spenser
Crash now has a powerful acrobatic fighting system At any point in the game get your buddy to join in and play as Carbon-Crash, and work together to unleash total chaos! Control, play and battle as 15 different outrageous and totally unique enemies 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, ESRB Rating: Kids to Adults

Autograph Leather Shopping Bag, at Marks & Spencers
Fashionable and environmentally conscious, this Autograph shopping bag makes a great alternative to plastic carriers

Maxim 5-Piece Pasta Set, at Marks and Spencer
Set of 5 Includes 4 small pasta bowls and 1 large pasta bowl Plain white porcelain Versatile fine dining range Suitable for everyday use Small pasta bowl: Diam 22cm Large pasta bowl: Diam 28cm, Manufacturer: Marks & Spencer

Corby 3300 Trouser Press, at MarksandSpencer
No need to dampen trousers before pressing. The inherent humidity content of natural and mixed fibres assists the pressing process Can be used free-standing or wall-mounted using simple fixings supplied in each carton Features a jacket hanger 30 minute setting Automatic cut-off Manual cancel option Coin Tray 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

Belkin Wireless G Modem Router for ADSL Broadband, at Marks & Spencers
Share your broadband ADSL connection wirelessly Transfers data at up to 54 Mbps using the 2.4 Ghz band Allows you to connect to ADSL Internet access (analogue, so not ISDN) and share your highspeed connection, data files and network peripherals without wires Built-in Modem Compatible with 802.11b and 802.11g devices Comes with Set-Up Wizard and latest wireless security features Features advanced security including WPA Pre-Shared Key, WPA (Radius Server), 128-bit WEP, and 64-bit encryption Protects your network from outside intrusions by hackers using NAT and SPI firewalls Manufacturer's Lifetime Warranty and free Tech Support Package Includes: ADSL, ADSL2, ADSL2+ Modem with Wireless G Router, RJ11 Phone Line Cord, RJ45 Ethernet Networking Cable, ADSL In-Line Filter, Power Adapter, User Manual CD, Quick Installation Guide System Requirements: Active ADSL connection with RJ11 (via filter), At least one computer with an installed wireless network interface card or adapter, TCP/IP networking protocol installed on each computer 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

Large Leather Tassel Purse, at Marks and Spencer
This stylish purse is made from real leather with reinforced stitching and a secure popper fastening. A high quality and chic essential

Adjustable Task Floor Lamp, at Mark's & Spencer
Antique-effect brass finish Height adjustable between 147cm and 178cm H167 x Diam 37cm Frosted glass shade Bulb: E27 60W GLS This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Silk Floral Tie, at Marks & Spenser
Add a luxurious finishing touch with this smart floral tie in pure silk

5 No VPL High Rise Full Briefs, at M & S
These no VPL full briefs are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Blue Harbour Heritage Cotton Rich Stretch Jeans, at Marks and Spencer
Relaxed and casual, these jeans are made from soft cotton rich fabric. Added stretch keeps them in great shape and gives added comfort and ease of movement

Super Hydrating Body Cream Oil, at Marks & Spensers
Nourishes extra dry skin Olive oil to replenish Glycerin to hydrate Suitable for all skin types 250ml

Pure Cotton Short Sleeve 'Ben 10' T-Shirt, at M+S
Fans of Ben 10 will love this short sleeve pure cotton t-shirt featuring the popular character. A practical, easycare

Enchanted Bedcover, at Marks and Spenser
L250 x W265cm Embroidered design, Manufacturer: Marks & Spencer

Clos Roque D'Aspes 2005 - Case of 12, at Mark's & Spencer
Style: Medium bodied Grape variety: Mourvedre Country of origin: France Closure: Natural cork 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 Long Sleeve Mock Layer Top, at Marks and Spencer
Mock layer design makes this soft cotton top fabulously fashionable

Per Una Spot Print Chiffon Dress, at Marks and Spencer
A fashionable scoop neck dress featuring an spot print and ruffle neck detail

Autograph Microfibre & Cashmere All Seasons Filled Duvet, at Marks & Spencer
2 part set Splits into 2 seperate covers or combined 4.5 tog: the coolest of all duvets, designed for summer use 9 tog: ideal for Spring and Autumn use, or all round use in homes with central heating Non-allergenic 300 thread count and 100% cotton jacquard cover Pocket construction for even warmth Comes in single (3ft), double (4ft 6in), king size (5ft) and super king size (6ft)x Which tog? Tog measures the warmth of a duvet based on its ability to trap warm air. The higher the tog rating, the warmer the duvet. The perfect tog is a personal choice which can depend upon you and your home, Manufacturer: Marks & Spencer

Gold Plated Sparkle Hoop Necklace & Earring Set, at Marks n Spencer
Butterfly stud fastening earrings Clasp fastening necklace with adjustable length Hoop and sparkle design

4 Sennen Mugs - Blue, at Marks & Spencer
4 piece set Contrast design H11 x Diam 9cm, Manufacturer: Marks & Spencer

Glass Art Deco Photo Frame 13 x 18cm (5 x 7''), at Marks&Spencer
This glass art deco inspired photoframe will compliment any prized photograph

Snake Print Bikini Top, at Marks and Spencer
Gorgeous and glamorous, this fashionable bikini features a striking snake print. A sleek, shapely look

Lichfield Media Unit, at Marks&Spencer
H50 x W117 x D40cm Equipment space: H14 x W84 x D33.5cm Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Drawers made from solid European hardwood Handles made from solid European hardwood Shelves made from White Oak veneer Side panels are veneered 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

Slim Leg Patent Piping Trousers, at MarksandSpencer
Slim and stylish, these trousers are cut to fit and flatter for a sleek modern look. Added stretch gives the perfect fit and patent piping adds a fashionable update

Cool Stuff To Make Book, at M+S
Find out how to make and draw the coolest stuff in this awesome book. Create your own codes, make a mini-parachute, build a brilliant toy truck and loads more. It's guaranteed to provide hours of fun

Stainless Steel Under Sink Storage Unit, at Marks and Spencers
3 tier Shelf H71 x D33 x W58cm, Manufacturer: Marks & Spencer

When you're shopping at Marks & Spencers 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 Household Insurance and Car Insurance, there's a lot more going on at Marks & Spencers 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."