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 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.

There are lots of ways to save money using M&S Money Direct. Not least of these is Marks & Spenser 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 Mark's & 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 Car Insurance from M&S Money Direct, you get more, and you pay less.

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 and Spenser are so useful. M&S Money Direct financial products are, of course, designed to make Marks & Spensers 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.

Pure Wool Spot Rug, at Marks & Spenser
Rectangular Spot design Small: L80 x W140cm Medium: L120 x W180cm Large: L160 x W230cm, Manufacturer: Marks & Spencer

Scout Comfort Sleeping Bag, at Marks & Spencers
1 season lightweight and spacious sleeping bag with a square hood and base for extra comfort. Ideal for camping and caravanning. Comfort temperature of +10C

Pure Cotton Long Sleeve Little Miss Super Girls Top, at Marks n Spencer
Fans of Mr Men will love this short sleeve cotton t-shirt featuring Little Miss Super Girls. A practical, easycare style

Single Breasted Water Repellent Mac, at Marks & Spencer
Practical and fashionable, this single breasted mac is outstanding value! It features a button cuff detail

5 Pure Cotton Assorted Monster Bodysuits, at Marks & Spencer
Cute and practical, this pack of 5 bodysuits is great value. Popper fastenings and envelope necklines makes quick changes easy and the soft cotton fabric will keep him feeling comfy and happy

Feather Patch Aqua Bedset, at Marks & Spencers
Embroidered design Patchwork detail Single set includes single duvet cover (3ft) and 1 pillowcase Double set includes double duvet cover (4ft 6in) and 2 pillowcases King size includes king size duvet cover (5ft) and 2 pillowcases

2 Easycare Long Sleeve Stripe Shirts & Tie Set, at Marks & Spensers
Smart and stylish, these easycare shirts make a practical choice for everyday wear

Traidcraft Embroidered Mum Card, at Marks and Spencer
Cover Text: Mum Inside message: blank for your own message Approx size: 138 x 138mm

2 Fairtrade Spotted Rich Cotton Vests, at Marks & Spencer
Look below to see a video clip about Fairtrade Fairtrade certification shows that suppliers have been paid a fair price for their products and their work. Buying Fairtrade helps support farmers in developing countries and their communities

Classic Collection Pleated Neck Top, at Marks and Spencer
Ideal for everyday wear, this smart top is made from soft easycare fabric and the fit is comfortable and flattering. A fashionable and practical style

Soft Vanilla Pillar Candle, at Mark & Spensers
Vanilla fragrance Chunky design Ribbed detail Includes shallow holder H7 x D2.5cm, Manufacturer: Marks & Spencer

Classic Collection Pure Cotton Pull on Trousers, at M&S
Effortlessly stylish, these easycare pull on trousers are finished with smart decorative buttons at the waist. They're designed to give a comfortable, flattering fit and make a perfect match for fashionable tops and t-shirts

Pure Cotton Eco Warriors Bedset, at M&S
Eco warriors design Includes 1 duvet cover and 2 pillowcases, Manufacturer: Marks & Spencer

Contrast Brim Bow Detail Straw Hat, at Mark & Spencers
Keep ahead of the trends with this contemporary contrast brim sunhat, an essential look for style in the sun

Starry Girl Birthday Card, at M&S
Cover Text: Have a fab birthday Inside Message: Blank for your own message Approx size: 230 x 114mm

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

Pure Silk Woven Thin Stripe Tie, at Marks and Spenser
Add a luxurious finishing touch with this contemporary thin stripe tie in pure silk

2 Surat Slat-Back Chairs, at Marks & Spencers
H106 x W56 x D45cm Seat: H47cm Sold as a pair This product features irregularities characteristic of Sheesham timber. Thin white lines may appear to be cracks but are natural mineral deposits in the wood. Small tooling marks are typical of authentic handmade products This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Panelled Cord Skirt, at Marks and Spencers
A sophisticated mid-calf length skirt in a soft cotton blend featuring a panelled design

Per Una Printed Stripe Bikini Top, at M&S
Modern and colourful, this flattering bikini top is designed in the latest shape. The ultimate in poolside glamour

Hardy Chair, at M & S
H88 x W82 x D86cm Seat H50cm, arm H65cm, Top back rail 76cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Back cushion 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 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

Perfect Scorpius Hard Small Rollercase, at M+S
Strong yet lightweight, this stylish luggage has 4 wheels for maximum manoeuvrability, a fixed combination lock, telescopic handle and fully lined interiors. There's a free 5 year guarantee, too

3 Pack Easycare White Long Sleeve Shirts, at Marks & Spencers
Smart and stylish, this pack of 3 easycare shirts is great value. An ideal choice for everyday wear

Nail Polish Remover Pads, at Marks and Spencer
Gentle non-acetone formula to remove nail polish Contains 30 pads This product is not available for international delivery. Find out more

Classic Collection Pure Cotton Swirl Neck Top, at Marks and Spencers
Modern and stylish, this versatile top is made from soft easycare fabric and features swirl neck detail. A fashionable style with a comfortable, flattering fit

Kodak Easyshare Z915 Digital Camera, at Marks and Spencer
Pixels: 10 megapixels Lens: 35350 mm (35 mm equiv.) f/3.54.8 Zoom: 10X optical, 5X advanced digital, total zoom range 50X Image stabilizer: optical Shutter speed: 1/81/1250 sec. (auto); 161/1000 sec. (S/M mode) Monitor: 2.5 type high resolution (230K dots), 5 level brightness adjustments Storage: 32 MB internal memory* available, SDHC/SD card expansion slot Auto focus type: TTL imager AF system Auto focus Modes: normal, macro, infinity Face-priority AF: yes AF assist light: yes ISO sensitivity: auto, 100, 200, 400, 800, 1600 White balance: auto, daylight, tungsten, fluorescent, open shade Flash: Range: 5.4 m (@ wide, in Smart Capture mode), 3.9 m (@ tele, in Smart Capture mode); Modes: auto, off, fill, red-eye reduction, off; Compensation: 1.0 EV in 1/3 steps Shooting modes: Smart Capture, sport, P (program mode), A (aperture priority mode), S(shutter priority mode), M (manual mode), portrait, panorama (leftright,rightleft), video, SCN (scene modes) Scene modes: high ISO, portrait, night portrait, landscape, night landscape, flower, sunset, backlight, candlelight, manner/museum, text, beach, snow, fireworks,children, self-portrait, stage Still capture: Still format: JPEG/EXIF v2.21; Color modes: high color, natural color, low color, sepia, black and white; Sharpness: high, normal, low; Review options: single, magnification with navigation box, multi-up, multi-field search,slideshow, multimedia slideshowslideshow, multimedia slideshow Editing: on-camera crop, KODAK PERFECT TOUCH Technology, voice annotation; File management: delete, undo delete, copy, protect, text tagging, one-button upload Video capture: Format: QUICKTIME Photo JPEG; Quality: VGA (640 480) at 30 fps, QVGA (320 240) at 30 fps; Length: continuous up to 4 GB; Microphone: yes; Review options: play, rewind, pause, fast-forward and rewind, forward and rewind by frame, multimedia slideshow, bookmarks, view by; Editing: make a picture from video, action print (1, 4, 9, 16-up), trim, copy; File management: delete, undo delete, copy, protect, text tagging, one-button upload Custom settings: LCD brightness (5 levels), date stamp (on/off), image storage, capture frame grid (on/off), image stabilizer control, red-eye preflash (on/off), quick view (on/off), advanced digital zoom, orientation sensor, sound, volume, date & time, auto power off, video out, language, reset camera Share button: yes Physical specifications: I/O interface: digital (USB 2.0 high speed) connector for data and video; Power: (2) AA batteries (alkaline, lithium, or Ni-MH), optional AC adapter; Tripod mount: in. standard Dimensions: W11 H7 D3.6cm Weight: 220g (without SD card and batteries) Direct printing: PictBridge-enabled Software: works with KODAK EASYSHARE Software Package contents: KODAK EASYSHARE Z915 Digital Camera, (2) KODAK Alkaline AA Batteries or equivalent, USB cable, Wrist strap, User's Guide with KODAK EASYSHARE Software 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

Wool Rich Single Breasted 2 Button Blazer, at M+S
The urge to look corporate, sleek and commanding has given way to the revival of the classic single breasted jacket. Complemented by a two button front and tailored cut, the clean lines of this sharp piece transmits a sense of style and understated elegance

Lilac Flowers Birthday Card, at Mark & Spencers
Cover text: Happy Birthday Inside message: Have a lovely day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 126mm

Peter Rabbit Soft Toy, at Marks and Spencers
Suitable for ages 0-3 years Plain shirt and carrot feature Approx 28cm This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

M&S Twin DECT Ergonomic Cordless Phones with Answering Machine, at Marks&Spencer
DECT - Digitally enhanced cordless phones provide crystal clear sound quality, increased talk time and range coupled with increased security Ergonomic design White, backlit inverse display Backlit keypad Phone book - stores 50 names and numbers Talk time - up to 9 hours with 100 hours standby Speakerphone - talk hands-free Caller display - identify your caller before answering Built-in digital answering machine with up to 15 minutes recording time iShare - access the answer machine from any handset Ringer melodies - choose from 10 different options Message counter display on base 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

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 Buildings & Contents 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 & Spensers, 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.