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 House 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 House 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 Marks n Spencer 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 Car 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 Marks & Spenser, 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 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 & Spencers 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.

Adored Pure Cotton Floral Embroidered Nightdress, at M&S
Stylish and elegant, this flattering nightdress is part of our feminine Adored collection. It's made from the softest fabrics for the ultimate in comfort

Portfolio Overlapped Disc Collar Necklace, at Marks n Spencer
Adjustable length Clasp fastening Overlapped disc design Necklace length 45cm

Per Una 3/4 Sleeve Stripe Zip Cardigan, at Marks and Spencers
A colourful 3/4 sleeve cardigan in a soft knitted fabric featuring a stripe design and zip fastening

Triple Layer Victoria Sandwich, at Marks & Spencer
14 pre-cut slices Serves 14 Ready to eat 2.1kg Not suitable for nut allergy sufferers Suitable for vegetarians Comes in a box suitable for storing the cake before serving As featured on page 52 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Indian Summer Collection - Pink Hurricane Lamp, at Marks & Spensers
W17 x D17 x H22.5cm Frosted baroque design Coloured glass Comes with candle and sand Burning time: Approx 65 hours Hand decorated, Manufacturer: Marks & Spencer

Compton Glazed Unit, at Marks & Spencers
H190 x W118 x D53cm 3 adjustable shelves Toughened glass doors 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 Side panels, door panels, back panels made from oak veneer Top panels made from oak veneer with a solid oak edging for strength Solid hardwood legs Solid hardwood doors 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

Portfolio Mixed Bead Collar Necklace, at Marks and Spenser
Collar style Clasp fastening Adjustable length Mixed bead design Necklace length 51cm, extendable by 8cm

Pure Cotton 'Check Me Out' Mock Layer T-Shirt, at Marks & Spensers
Soft and comfy, this pure cotton t-shirt is outstanding value. It features a mock layer design and 'Check Me Out' slogan. Fashionable and practical

Blue Harbour Pure Cotton Marl Stripe T-Shirt, at Marks and Spencer
Fashionable and relaxed, this marl stripe t-shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Ribbon Trim Lattice Weave Hat, at Marks and Spencer
This stylish lattice weave hat is finished with a ribbon trim. Perfect for holidays or a sunny day

The Floral Collection Magnolia Shower Cream, at Marks & Spencers
Moisture rich shower cream Magnolia scented 250ml Ingredients: Aqua, Sodium Laureth Sulfate, Sodium Chloride, Magnolia Liliflora (Magnolia), Glycerin, Cocamide DEA, Decyl Glucoside, Lauryl Betaine, Parfum, Amyl Cinnamal, Benzyl Salicylate Butylphenyl Methylpropional, Geraniol, Linalool, Styrene/Acrylates Copolymer, Disodium EDTA, Polyquaternium-39, Citric Acid, Benzophenone-2, Magnesium Nitrate, Sodium Lauryl Sulfate, Propylene Glycol Methylparaben, Methylchloroisothiazolinone, Magnesium Chloride, Propylparaben, Sorbitol, Methylisothiazolinone, Phenoxyethanol, Butylparaben, Ethylparaben, Isobutylparaben, CI 19140, CI 14700

Portfolio Safari Delight Necklace, at Marks and Spencer
Mixed bead design Ribbon fastening Length: 63cm(body), 43cm(ribbon)

Pure Cotton Embroidered Denim Skirt with Tights, at M&S
You will love this pure cotton denim skirt with a pair of tights. A practical, easycare style

Limited Edition Midas Touch Bangles, at M&S
7 bangles Assorted design Slide on

Wooden Body Hair Brush, at Marks and Spencer
Wooden handle Rounded pins Square brush FSC is an independent, non-governmental, not for profit organization established to promote the responsible management of the world's forests FSC Trademark FSC Forest Stewardship Council, A.C. All rights reserved

Autograph Pure Cotton Stormwear™ Bomber Jacket, at Mark & Spensers
Layer on some serious spring style with this cool lightweight jacket, in 4 key shades for the season

Blue Harbour Pure Cotton Short Sleeve Stripe Shirt, at Marks & Spencer
Relaxed and casual, this pure cotton shirt has been pre-washed to make it extra soft and comfortable

Airflex™ Longer Length Lace-Up Leather Trainers, at Marks and Spencers
These shoes are specially designed with the Airflex™ sole system using the latest technology to provide your feet with utmost comfort, support and grip

Lightweight Paisley Print Scarf, at Marks & Spencer
Add a fashionable finishing touch to your look with this elegant paisley print scarf. The perfect accessory to this season's styles

Metallic Weave Cross-Body Bag, at Marks & Spencer
Fashionable, comfortable and secure, this cross-body bag features an adjustable strap and metallic weave design. A practical and stylish accessory

JBL On Stage™ Micro - Portable Speaker for iPodŽ, at M+S
Compatibility: with most docking versions of iPod, including nano and 5G versions Stereo Mini Jack: Allows connection to a variety of other devices such as MP3 and CD players, desktop computers and laptops (audio input cable included) Touch Volume Control: Just a touch increases or decrease the volume Full-Navigation Remote: Provides full access to your iPod so you can easily change tracks, browse libraries, adjust settings, and scroll through extras Digital Amplifier Technology: The Class D digital amplifiers provide clean, powerful sound while extending battery life Odyssey™ Transducers: The two aluminum domed transducers are driven by powerful Neodymium magnets Computer Optimised Equalisation: The JBL On Stage Micro system equalization was computer optimized to provide a rich, complete sound stage Advanced Energy Management System: The JBL On Stage Micro system has an automatic battery saving shutoff Power: Powered via mains adaptor or 4 AAA batteries (not included) Dimensions: Diameter: 15.09 cm, Height: 3.96 cm 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 iPod sold separately This product is not available for international delivery. Find out more

Pure Cotton Long Sleeve Mock Layer Top, at Marks and Spencer
A practical, casual mock layer top in pure cotton featuring a stripe design and smile slogan . A great value easycare style

3 Cotton Rich "Lightning McQueen" Trunks, at Marks and Spencers
A must for fans of Cars, these cotton rich trunks feature Lightning McQueen

Younger Boys' Permair™ Widefit Single Strap Apron Shoes, at Marks and Spencer
Breathable Permair™ finish is scuff, stain and water resistant Riptape fastening Apron style Stitch detail Contrast fabric panel Grip sole Widefit feature

2'' Longer Pure Cotton Stripe Long Sleeve Shirt, at Marks and Spencers
Woven in pure cotton fabric, long sleeves and double button cuffs add a smart focus to your office look. A practical and convenient choice for everyday wear

Collezione Leather Hip Wallet, at Mark's & Spencer
Smart, stylish and practical, leather wallet makes it easy to organise cards, notes and coins

Limited Collection Low Heel Slingback Shoes, at Mark's & Spencer
Pointed toe Slip on Plain Slingback style Mid heel Heel height: 45mm

Charlotte 2 Seater Sofa AU09 Newness, at Marks and Spencer
Manufacturer: Marks & Spencer

Walnut Angled Photoframe 13 x 18cm (5 x 7''), at Marks and Spencers
Wide border Angled frame Aperture: 13 x 18cm (5 x 7''), Manufacturer: Marks & Spencer

5 Younger Boys' Football Socks, at Marks and Spenser
Fun and fashionable, these comfy cotton rich socks features a football design

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

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