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.

Shopping for financial products at M&S Money Direct UK website is just as simple as shopping for fashion or furniture at the Mark's & 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 & 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 & Spencer 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 Tesco:

• 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.

Ivory Wedding Table Numbers, at Marks and Spenser
12 table numbers Approx size: 150 x 110mm

Portfolio Panelled Ponte Pencil Skirt, at Marks&Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Autograph Long Sleeve Floral Print Top, at Mark's & Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look.

Marble Swirl-Effect Candy Floss Bowl, at Marks and Spenser
Swirl effect Opaque design Round shape Soda glass H5.5 x Diam29cm Weight: 0.95kg, Manufacturer: Marks & Spencer

Malabar Coffee Table, at Mark's & Spencer
H53 x L120 x W60cm 10 drawers Crafted predominantly from solid mango wood Protective low-sheen lacquer finish for added durability Fitted with antique-brass-effect handles 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 SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Malabar Collection Set. , Manufacturer: Marks & Spencer

Traditional Scroll Cushion, at Marks and Spenser
Square shape Traditional scroll design L50 x W50cm, Manufacturer: Marks & Spencer

Diagonal Cut Cufflinks, at Marks & Spencer
Add a smart finishing touch with these diagonal cut cufflinks

Autograph V-Neck Mock Shirt Jumper, at Marks and Spencer
Fashionable and contemporary, this v-neck jumper is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail makes it exceptionally stylish and comfortable

Wavy Die Cut New Job Card, at Marks and Spencers
Cover text: New Job ... Hurray! ... Well done! ... Yipee! ... You star! ... Congratulations! Inside message: Congratulations! Approx size: Unfolded: 150 x 150mm

Larkspur Bundle, at Marks & Spencer
Internet Exclusive Historically a symbol of love, this assortment of larkspurs is the perfect way to show someone you care. The glass vase and Belgian chocolates help make it an extra special gift Available for delivery from 1st July to 29th August 2009

25 Soft Vanilla Room Scenters, at Marks and Spencers
Pack of 25 Soft vanilla scent Burns upto 4 hours each, Manufacturer: Marks & Spencer

Lichfield Extending Dining Table and 6 Alton Damask Chairs Set, at Marks and Spencers
Table: H75 x L145 x W95.5cm. Extends to L195cm Seats 6. Comes with extension leaf to seat up to 8 Solid ash damask dining chairs Chair: H99 x W46 x D55cm. Seat H49cm Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Chair frames made from solid European hardwood 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

Non-Padded Lace Embellished Bra, at MarksandSpencer
Soft and comfortable, this lace embellished bra is ideal for everyday wear. It's underwired and shaped for an uplifted natural look

Luxury Pure New Wool Rich Flat Front Trousers with Cashmere, at M&S
Enjoy the timeless British tailoring of our Luxury range. Over 20 hours of hand stitching goes into every one of these beautifully tailored suits. The exceptional craftsmanship, careful attention to detail and luxurious wool and cashmere blend fabric creates a look of impeccable elegance

Autograph Pure Silk Carousel Tie, at Marks and Spencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Baroc Waistcoat, at Marks and Spencers
For a thoroughly smart appearance, the traditional lines of this waistcoat are handsomely complemented when paired with a silk cravat and formal shirt

Bamboo Toilet Brush Holder, at M & S
Square design Bamboo style Approx size: H11 x W11 x L37cm, Manufacturer: Marks & Spencer

Organic Cotton Twiggy Eco Shopper, at Marks & Spenser
Shop greener by using this organic cotton shopper instead of plastic carriers. The portrait of model Twiggy was commissioned from eminent fashion illustrator David Downton, making this bag a must-have stylish accessory

First Readers The Elves and the Shoemaker, at M & S
First readers help beginner readers to enjoy their favourite fairy tales. Sharing the main story and the delightful pictures with your child will develop familiarity with the words and phrases. Your child will soon be ready to read the short, simple sentences on each right-hand page

Secret Support™ Lace Trim Vest, at Marks and Spencers
Flattering and feminine, this nightdress is made with Secret Support™ which gives gentle support and a flattering, defined shape. A soft, comfortable style

3 Cotton Rich "Lightning McQueen" Trunks, at Mark's & Spencer
A must for fans of Cars, these cotton rich trunks feature Lightning McQueen

Panasonic Lumix DMC-FS6 Digital Camera, at Marks & Spensers
Pixels: 8.1 megapixels Optical zoom: 4x Digital zoom: 4x Display: 2.5 inch TFT colour LCD Screen ISO Sensitivity: Auto / 80 / 100 / 200 / 400 / 800 / 1600 High Sensitivity (ISO 1600-6400) Dimensions: W9.7 x H5.4 x D2.1cm Weight: Approx. 137g with Battery and SD Memory Card, Approx. 115g (without) Power: ID-Security Li-ion Battery Pack (3.6V, 940mAh) (Included) / AC Adaptor (Input: 110-240V AC) (Optional) Built-in-Flash: Auto, Auto/Red-eye Reduction, Forced On, Forced Off 0.3 - 6.3m (Wide/ISO Auto), 0.5 - 3.0m (Tele/ISO Auto) Recording Media: Built-in Memory (approx 50mb), SD Memory Card, SDHC Memory Card, MultiMediaCard (Still image only)

Cotton Rich Funnel Neck Large Button Jumper, at Marks and Spencers
Contemporary and casual, this funnel neck jumper is made from comfortable breathable cotton rich fabric. Wonderfully warm and cosy

Easy Potatoes Cook Book, at Marks & Spencers
Introducing one of the most versatile food staples-the potato! For perfect yet inexpensive results every time, look no further than the humble potato. This all-purpose vegetable can really do it all, so whether you are cooking for friends at short notice or preparing lavish side dishes to serve at a dinner party, you cannot go wrong with the potato. Readily available all year round, and suitable for just about any method of cooking, now has never been a better time to reacquaint yourself with the ultimate crowd pleaser. For dishes with real meal appeal look no further than the recipes inside this book

Fairtrade Pure Cotton V-Neck T-Shirt, at Marks & Spencer
This stylish short sleeve t-shirt is a good deal for you and for our Fairtrade farmers. It's made from 100% Fairtrade cotton, helping local farmers to invest in developing their own communities

Classic Collection Herringbone Trousers, at Mark & Spencers
Smart and stylish, these straight leg trousers in traditional herringbone are finished with a stitched crease and decorative fob. They make the perfect match for blouses and knitwear in complementary colours. Discreet elastication gives a comfortable fit

Single Suede Sprung-Edge Divan with 1 Small & 1 Large Drawer, at Marks and Spencers
Single (3ft): W90 x H41 x L190cm Small drawer: H14 x W40 x D52cm Large drawer: H14 x W78 x D52cm Sprung-edge divan - Can be used with any mattress Small drawers at the head end are designed to open without moving your bedside table Available with drawers opening to the left or right of the divan Feet are castors Free eco-friendly home delivery. Our crews will unpack, assemble and position the item All mattresses and divans are manufactured in the UK All mattresses and divans are anti-allergy protected This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Limited Edition Rio Pointed Bangle, at Marks&Spencer
Chunky style Rio pointed design This item has no metal components

Cut Flowers Infusion Sticks, at Marks & Spencers
Glass container Long lasting infusion sticks, Manufacturer: Marks & Spencer

The Pleated Dart Flannel Mini Skirt, at M & S
The mini skirt is a classic and a must for showing off great legs! Make a statement in this fabulous red version with fashionable pleats and darts. Keep it contemporary with boots and tights this season

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