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 Motor 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; Motor Insurance and Household 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 Household 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.

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 Spencer are so useful. M&S Money Direct financial products are, of course, designed to make Marks and Spencer 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, Household Insurance policies. Usually, UK Household 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 Household 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 Household Insurance than you will anywhere else, and you may even pay less with M&S.

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

3 Tea Light Holders, at Marks and Spencer
Set of 3 Crystal cut design Dimensions: H4 x Diam 8cm, Manufacturer: Marks & Spencer

Faux Pearl & Diamanté Duo Earrings, at Mark & Spensers
2 pairs Encrusted diamant pair Faux pearl pair Stud design earrings For hygiene reasons, refunds will only be given in accordance with your legal rights

Casa Leona Merlot 2008 - Case of 12, at Marks and Spenser
Style: Medium bodied Grape variety: Merlot Country of origin: Chile Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Supima® Pure Cotton Non-Iron Fitted Sheet, at Marks & Spenser
Internationally recognised as the world's finest cotton Supima is renowned for its superior strength, enhanced durability and sumptuous feel High performance non iron finish offering the ultimate in easy care 180 thread count Single: W91 x L190cm, box length: 25cm Double: W137 x L190cm, box length: 25cm 5ft (king): W152cm x 200cm, box length: 25cm 6ft (Super-king) W183cm x L200cm, box length: 25cm, Manufacturer: Marks & Spencer

Penny Sweet Drop Earrings, at Marks & Spensers
3 bead drop Hook fastening Drop style

Autograph Mobile Office, at Mark's & Spencer
Free 5 year guarantee Take the hassle out of commuting with this practical mobile office. With enough storage space for your laptop and other important office documents, this practical, durable rollercase is the answer for business travel Includes free i-trak luggage ID service see details below

2 Autograph Cotton Rich Cropped Leggings, at Marks & Spencers
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

Limited Collection Frill Sleeve Satin Dress, at Marks & Spencer
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Silver Plated Pear Pendant Necklace, at MarksandSpencer
Fine chain Pear design pendant Length: 41cm Extender: 8cm

Perfect Leather Square Buckle Belt, at Marks and Spenser
Simple and stylish, in soft luxurious leather, you can wear this belt with jeans or a suit

Summer Spectacular, at Marks and Spencer
This contemporary galvanised bucket is brimming with exquisite roses, fragrant lavender sprigs and rich green salal Available for delivery until 30th September 2009

24 Mini Cured Pork Pies, at Marks and Spencers
Contains 24 pieces Serves 12 Ready to eat Suitable for freezing 4 x 300g As featured on page 16 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Stormwear™ Long Sleeve Hooded Anorak, at Marks & Spenser
The classic anorak has been given a contemporary twist with a button cuff detail. Designed in an easycare water resistant fabric with a hood, this practical and stylish jacket will keep you dry on rainy days

Autograph Cotton Rich Knitted Dress and Tights Outfit, at M & S
Practical and pretty, this cute knitted dress and tights 2 piece outfit is made from soft cotton to keep her feeling comfy and happy

Cashmilon™ Tassel Scarf, at Mark & Spencers
Keep warm and cosy in this stylish tasselled scarf made from supersoft cashmilon™. Perfect with the matching hat and gloves

Blue Harbour Pure Linen Short Sleeve Check Shirt, at Marks & Spensers
Relaxed and stylish, this check shirt is cut for a great fit. It's made from pure linen, so it feels cool and comfortable to wear.

Autograph Sapporo® Lilies, at Marks&Spencer
Online Exclusive Especially chosen for their beautiful and impressive flowers, this stunning bouquet of white Sapporo lilies is from our new luxury Autograph flowers collection. Long lasting huge flowers and a beautiful scent make these lilies an impressive display and a stunning giftAll Autograph bouquets are beautifully presented, wrapped by hand and finished with Autograph branded cellophane & a black organza ribbon Available for delivery from 1st April to 30th September 2009

Ingredients Mandarin Lip Butter, at Marks & Spensers
To help soften and smooth your lips Mandarin flavoured balm

Bold Spot Eyelet Curtains, at Marks and Spenser
Bold spot design Eyelets Lined Comes in standard 168cm/66'' (STD) and wider 219cm/86'' (WDR) widths Also comes in three drop lengths: short (137cm/54''), medium (183cm/72''), long (229cm/90'') How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Ivory Leather Small Wedding Photograph Album, at Marks and Spencer
Album and gift box 105 glue dots 700Mb CD-R Album: H155 x W200 x D33mm Box: H168 x W215 x D40mm

Per Una Pure Wool Baker Boy Hat, at Marks and Spencers
Add a cute contemporary finishing touch with this flattering flower detail baker boy hat.

Glitter Floral Luxury Wrap Pack, at Marks & Spencer
Contains: 1 x sheet wrapping paper, 1 x gift tag, 1 x length ribbon Approx size: Wrap: 685 x 98mm Tag: 115 x 65mm Ribbon: 2m

Peep Toe Slingback Shoes, at Marks & Spencer
Peep toe Slingback style Bow feature Wedge heel Heel height 7cm Comes in sizes 3-8, including half sizes

Autograph Single Breasted 1 Button Jacket with Wool, at Marks and Spenser
Luxurious and elegant, this smartly tailored single breasted jacket is part of our exclusive Autograph range

Tennis Set, at Marks & Spencer
2 rackets 2 balls Zip fastening case with shoulder strap and mesh ball holder Racket: 690 x 280mm Tennis ball: 210mm Bag: 490 x 280mm 762g This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Embroidered Frosted Circle Shower Curtain, at Marks n Spencer
Embroidered frosted circle design L180 x W180cm, Manufacturer: Marks & Spencer

2 Plain First Bras, at Marks and Spencer
This simply styled great value bra is ideal for everyday wear. It's woven with stretchy cotton/fabric for a supportive and comfortable fit and the non-wired design is the best choice for first bras

Blue Harbour Pure Cotton Crew Neck T-shirt, at Marks & Spencers
Fashionable and relaxed, this crew neck t-shirt is made from pure cotton so it's soft, breathable and comfortable to wear

2 Cotton Rich Plain Drawstring Joggers, at Mark's & Spencer
Relaxed and comfortable, these casual joggers are made from soft cotton and feature a pull tie fastening waist. A practical easycare choice

Adjustable Braces, at Marks and Spenser
Add a smart finishing touch with these stylish adjustable braces

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 Mark's & Spencer 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.