Besides Marks and Spencer Motor Insurance, M&S Money Direct Credit Cards and other financial products, M&S Money Direct Buildings 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 Mark's & Spencer purchases are also protected while you take them home.

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

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 M&S 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 Insurance policies. Usually, UK Buildings 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 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 Insurance than you will anywhere else, and you may even pay less with M&S.

When you're shopping at Marks & Spencer 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 Buildings Insurance and Motor Insurance, there's a lot more going on at MarksandSpencer 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."

Autograph Faceted Stud Earrings Made with CRYSTALLIZED™ - Swarovski Elements, at Marks & Spenser
Faceted disco stud design Butterfly fastening Made with CRYSTALLIZED™ - Swarovski Elements For hygiene reasons, refunds will only be given in accordance with your legal rights

2 Angel Assorted First Bras, at Marks and Spencer
These great value bras are ideal for everyday wear. They're made with stretchy fabric for a supportive and comfortable fit and the non-wired design is the best choice for first bras

Velvet Soft Mono Eyeshadow, at Marks and Spenser
Hypo-allergenic Available in 12 shades 3g

Natural Beauty Enriching Body Butter, at Marks & Spenser
200ml Naturally fragranced

2 Autograph Pure Cotton Long Sleeve Spot & Floral Print Top, at Marks & Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Longline Knitted Waistcoat, at Mark's & Spencer
Modern and stylish, this longline knitted waistcoat features 2 front pockets. Ideal for layering

Supremely Washable DacronŽ Mattress Protector, at Marks & Spenser
Soft to the touch and non allergenic, our Dacron filling is machine washable and lightweight Non-allergenic Padded Super-soft Dacron filling Comes in 4 sizes - single, double, kingsize, super king size, Manufacturer: Marks & Spencer

Woven Straw Double Chain Holiday Bag, at Mark's & Spencer
Stylish and useful, this holiday bag features a woven design. A practical and fashionable accessory

Perfect Autograph Silk Rich Padded Pleat Bra, at Marks and Spencer
Glamorous and sophisticated, this luxurious bra is made from soft stretch silk, finished with a lace trim. Gentle padding and underwiring give a flattering uplifted shape. Beautiful exclusive lingerie

Knee Length Stitch Detail Pencil Skirt, at Marks and Spenser
Sleek and stylish, this knee length pencil skirt is designed for a shapely silhouette. A smart modern style

TomTom GO 540 Live Satellite Navigation System with LIVE Services, at Marks and Spencers
Access TomTom LIVE services A real-time connection to the latest traffic information straight to your device. Automatic updates also provide real-time safety camera alerts, fuel prices, weather, and Google search for local shops and businesses. Updates are sent directly to the SIM card of your TomTom device - no need to activate anything or connect a mobile phone Maps: Full door to door maps of the UK & ROI are pre-loaded Display: 4.3" widescreen 16:9 format LCD (WQVGA: 480 x 272 pixels) LIVE Services: Your navigation experience got even smarter! You are connected to real-time information with premium services like HD Traffic, Safety Alerts, Local Search with Google and Fuel Prices so you always have access to useful and relevant information en route IQ Routes™ technology: Calculates your routes based on the real average speeds measured on roads. This will always provide you with the smartest route hour-by-hour, day-by-day, saving you time, money and fuel Voice command and control The latest in speech recognition technology lets you control your TomTom GO using voice commands. From planning a route to making a call, over 100 tasks are easily activated by voice, making your drive smoother and safe TomTom Map Share™ technology: Make corrections to your own map and benefit from thousands of corrections made by TomTom users every day - free of charge Latest map guarantee: Your device houses our best maps and our latest map guarantee makes you right up to date. If we release a new version of your device's map within 30 days of your purchase, you can download that map for free via TomTom HOME Active Dock: Gives you easy docking and charging to optimise your TomTom GO for daily use Plug & Go: No installation needed, works straight out of the box Battery: High quality lithium-polymer battery giving upto 3 hours autonomous battery life Sound: Echo cancellation and noise reduction give you excellent sound quality when calling hands-free. The high quality speaker Get voice instructions and enjoy songs and hands-free phone calls with remarkable sound quality at the volume that you want Extra Features: QuickGPSfix™, TomTom HOME desktop software, Bluetooth remote control (optional), 1GB internal flash memory and a microSD card socket compatible with microSD cards Dimensions: W127 x H85 x D23mm Weight: 224g 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 Please note: TomTom LIVE Services is a subscription service. A free 3 month trial is included TomTom Ticket 2 Drive savings when you purchase this product before 30th September 2009. Click here for more information

Centre Crease Bootleg Trousers, at Marks & Spenser
Smart and modern, these easycare bootleg trousers have an elasticated waist for a comfortable fit. A fashionable and practical choice for school

Mother's Day Paint Your Own Flowerpot, at Marks & Spensers
1 ceramic pot 6 paint pots 1 paintbrush 1 instruction leaflet Approx size: H120 x D140mm

Pencil Stripe Mug, at Marks & Spencer
Pencil stripe design Height: 9 cm, Manufacturer: Marks & Spencer

Detroit 6 Drawer Tallboy, at Marks & Spencers
H121 x W54 x D45cm Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Drawer boxes made from solid European hardwood. Draw fronts made with oak veneer Solid oak legs Side panels made with oak veneer Top panels made from oak veneer with a 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 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

Autograph Pure Cotton Funnel Neck Moleskin Jacket, at M&S
Contemporary styling and superior finishing makes this Autograph jacket a fashionable choice for this season

The Dangerous Book for Boys Rocket Birthday Card, at Marks and Spencers
Cover Text: The Dangerous Book for Boys Dangerous birthday plan: Aim for the stars! Build a rocket - dangerous blueprints inside Inside Message: Have a dangerous birthday Approx size: 150 x 150mm

Black Gloss Salt Mill, at Marks & Spencers
High gloss finish Screw top design Can be used for coarse sea salt Adjustable for fine or coarse grind Approx size: L4.5 x W4.5 x H19.5cm, Manufacturer: Marks & Spencer

Cape Quarter Colombard Chardonnay 2008 - Case of 12, at Marks & Spencer
Style: Dry Grape variety: Colombard, Chardonnay Country of origin: South Africa Closure: Synthetic closure 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

Faux Leopard Skin Waist Belt, at M & S
Define your waistline with this fashionable faux leopard skin waist belt

Footglove™ Leather Wide Fit Trouser Shoes, at Marks and Spencer
Square toe Stitch detail Stretch panel Slip on Lined Mid heel Heel height 54mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Formula Calming Day Cream, at Marks and Spencers
Contains chamomile and vitamin E Especially formulated for sensitive skin Hypoallergenic 50ml

Collections - WOOD DOG, at Marks & Spencers
Manufacturer: Marks & Spencer

Ceramic Pot Pourri Bowl, at Marks and Spencer
Grooved design inside Circular shape Ceramic bowl Weight: 0.650kg, Manufacturer: Marks & Spencer

Blue Harbour Pure Cotton Long Sleeve Rugby Shirt, at Mark & Spencers
Casual and relaxed, this long sleeve rugby shirt is made from pure cotton. So it's soft, breathable and comfortable to wear

Girls' Limited Zip Cardigan, at Marks & Spencer
Part of Girls Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Siemens Extractor Hood LC47650GB, at Marks and Spencer
Ducted: H684 - 1083 x W600 x D500mm (chimney height adjustable) Recirculating: H775 - 1083 x W600 x D500mm (chimney height adjustable) Suitable for recirculating or ducted extraction Recirculating kit not included Stainless steel 3 speed operation 2 x removable metal grease filters 2 x 40W lamps Suitable for wall mounted installation This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

2'' Longer Plain Button-Down Shirt, at Mark & Spensers
Keeping the taller man specifically in mind, this smart shirt features an extra 2" of fabric in the sleeve and body to provide a perfect formal fit

5 Younger Boys' Assorted Socks, at Marks and Spencer
The stripe and argyle design adds a stylish touch to these comfortable socks

Pure Linen Pintuck Bib Dress, at Marks and Spencers
This fresh fashionable dress in cool pure linen is beautifully styled and detailed with pintucked bib feature

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 MarksandSpencer 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.