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 Property 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 Property 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.

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 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, Sainsbury's, or Tescos 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.

There are lots of ways to save money using M&S Money Direct. Not least of these is Mark & Spensers Standard Car Insurance. With M&S Money Direct you can keep the cost of your Car 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 Car Insurance cover from M&S Money Direct, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks & Spencers, 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 Car Insurance from M+S Money, you get more, and you pay less.

Chandelier Embroidered Quilted Bedcover, at Marks & Spencers
L250 x W265cm Embroidered design, Manufacturer: Marks & Spencer

Pink Glitter Spot Luxury Wrap Pack, at M & S
1 x sheet wrapping paper 1 x gift tag 1 x length ribbon Wrap: 685 mm x 98 mm Tag: 115 mm x 65 mm Ribbon: 2m

Wooden Rolling Pin, at Marks and Spencer
Plain Cylindrical Smooth design L42cm, Manufacturer: Marks & Spencer

Pure Cotton Straight Leg Trousers, at Marks and Spencer
A stylish smart-casual look, these straight leg trousers chinos are outstanding value! They're made from pure cotton which is comfortable, practical and easycare

Hepworth Dining Tables & 6 Fabric Chairs Set, at Marks and Spencers
Table: H75.5 x L175 x D90cm Extends to L215cm Seats 6-8 Comes with extension leaf to seat 8 Extension leaf is stored beneath the table top Chairs: H97 x W48 x D63cm Seat: H48cm Neutral-coloured stripe fabric Made from European Birch solids and veneers Treated with a rich stain and aged with dark patina known as a 'housemaid's rub' Finished with 2 coats of durable, clear lacquer of mid sheen Chairs made from solid wood for strength Solid European Birch legs Top panel is veneered with solid birch 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

Sonoma Kitchen Table & 4 Chairs Set, at Marks and Spencers
Table: H75 x L90 x W90cm Chairs: H86 x W48 x D51cm Table seats 4 people Set of 4 plain leather faced chairs Made from solid oak and oak veneer Finished with a protective low-sheen lacquer for added durability Some self-assembly required. Delivered boxed to your door. You will need to unpack, assemble and position the item yourself 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

5 Younger Boys' Pure Cotton Classic Slips, at Marks&Spencer
A practical choice with a selection of colours, an easycare cotton weave translates into a practical solution for soft, easy to wear comfort

Autograph Essentials Rose Embroidered Non-Padded Balcony Bra, at Marks & Spencer
Glamorous and sophisticated, this elegant bra is made from soft fabric trimmed with fine lace. The flattering balcony style gives maximum uplift and a fuller shape. Beautiful exclusive lingerie

Autograph Leather Cross Body Bag, at M&S
Luxurious and beautiful, this leather handbag is part of our exclusive Autograph collection. It's front pocket make it practical as well as being a highly desirable fashion accessory

Cherry Blossom Cake, at Marks & Spensers
162 portions Three tier set of three cakes: Small - diam 15cm, Medium - diam 20cm, Large - diam 25cm Fruit Cake: Made with vine fruits, nuts and cherries laced with brandy. Can be eaten up to 14 days after collection Sponge Cake: All-butter sponge filled with buttercream and raspberry jam. Can be eaten up to 5 days after collection Total height (including board): 29.5cm Fruit cake weight: 12.77kg total Sponge cake weight: 8.03kg total Not suitable for nut allergy sufferers Suitable for vegetarians As featured on page 56 of the Food to Order brochure Order by 5pm to collect in 21 days Available for collection in the majority of our UK mainland stores

2" Longer Pure Cotton Royal Oxford Long Sleeve Shirt, at Marks & Spensers
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

Family Fortunes Card Game, at Mark's & Spencer
Number of players: 2+ teams, 4+ players Suitable for ages 8+ Contains: 90 game cards, instruction card and card holder Approx. card size: 83 x 116mm This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Classic Straw Hat, at Marks&Spencer
Keep your cool in this straw sun hat, a summer and holiday essential

Per Una Linen Blend Patch Skirt, at M&S
An elegant knee-length skirt in a crisp linen blend. The patch design and arch panel hem detail give it the Per Una touch

Ed Lady Shopping List, at Marks and Spenser
Contents: 1 magnetic shopping list (approx. 30 sheets of paper), 1 black ink pen (non refillable) The Country Diary of an Edwardian Lady Rowena Scott (Designs) Ltd RW.UK. Ltd 2008. Licensed by opyrights Group Approx. Size: 130 x 260mm

Precision Tweezers with Protective Wallet, at Marks & Spencers
Slanted tip Clean eyebrow and carefully remove hair one at a time, plucking in the direction that the hair is growing Allow at least 5 minutes after plucking before applying make-up Keep your tweezers safely stored in the attractive wallet

Silver Plated Double Link Drop Earrings, at Marks and Spencer
Hook fastening Drop style Double link design For hygiene reasons, refunds will only be given in accordance with your legal rights

Summer Weight Flat Front Trousers, at Marks & Spensers
With a modern, flat front silhouette combining comfort and style, these dapper trousers add versatile appeal to your formal wardrobe, maintaining your smart look throughout the day

Little Acorns Baby Keepsake Box, at Marks and Spenser
Contains: 1 keepsafe box H290 x W290 x D95mm

Double Buckle Snake Print Handbag, at Marks & Spencer
Get bags of style! This snake print handbag is a fabulous fashionable accessory. Handy compartments make it useful and practical too

3 Pairs of 15 Denier Ladder Resist Sheer Knee Highs, at Marks & Spensers
An M&S exclusive. Amazing yarn stops holes turning into ladders. Three way stretch gives a perfect fit. The comfort top is designed to keep them in place without leaving marks

Autograph Essentials Vintage Rose Embroidered E-G Bra, at Mark & Spencers
Elegant and feminine this rose design bra features bow detail. It's underwired and structured to give fuller busts great support and a flattering enhanced shape. Beautiful exclusive lingerie

Body Solutions Smooth Multiway Camisole, at Marks and Spencer
Cool and comfortable, this modern camisole is made from soft fabric with added stretch for a great fit

Medium Square Jewellery Box, at Marks & Spencer
4 drawers Square design

Medium Traditional Rag Doll, at Marks & Spencer
Not recommended for babies under 12 months Hair ribbon detail Check print design This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

2 Piece Pure Cotton Tie Waist Joggers, at MarksandSpencer
These cute joggers are outstanding value. Hardwearing, practical and comfortable

125 Years Retro 3 Pack of Tea Towels, at Marks & Spencers
Pack of 3, Manufacturer: Marks & Spencer

The Floral Collection Magnolia Moisture Rich Foaming Bath Essence, at Marks & Spenser
Magnolia fragrance Foaming bath essence Moisture rich 500ml Ingredients: Aqua, Sodium Laureth Sulfate, PEG-6 Caprylic/Capric Glycerides, Cocamidopropyl Betaine, Lauryl Betaine, Parfum, Sodium Chloride, Magnolia Liliflora (Magnolia), Glycerin, Cocamide DEA, Disodium EDTA, Citric Acid, Benzophenone-2, Magnesium Nitrate, Propylene Glycol, Methylchloro-isothiazolinone, Magnesium Chloride, Sorbitol, Amyl Cinnamal, Benzyl Salicylate, Butylphenyl Methylpropional, Citronellol, Geraniol, Isoeugenol, Linalool, Methylisothiazolinone, Phenoxyethanol, Methylparaben, Butylparaben, Ethylparaben, Propylparaben, Isobutylparaben, CI 15985, CI14700

Mirrored Tallboy, at Marks and Spencer
H165 x W40 x D36cm With 3 shelves Mirrored glass Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item 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 SAVE ON SETS Save at least 30% when you buy this tallboy as part of a set. Click here to view the Mirrored Collection Set. , Manufacturer: Marks & Spencer

Ruby Single Wardrobe, at Mark's & Spencer
H190 x W70 x D55cm 2 drawers Hanging rail and shelf Clean white finish Made from solid wood Delivered flatpack due to size 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

Shopping for financial products at M&S Money Direct UK website is just as simple as shopping for fashion or furniture at the Marks and 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 Property 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 and 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.