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

Marks and Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your House Insurance or Motor Insurance, but Marks and Spencer do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M&S Money Direct website. With a simple, no-hassle service, you can compare features between a number of M&S Financial Services products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Money Direct loans, credit cards or House Insurance - besides a number of other insurance products, M&S Money Direct can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Money Direct insurance products (House Insurance, Motor Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the M&S insurance products in document format too.

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

Cotton Rich Padded Balcony Bra, at Marks and Spencer
Ensure a smart exterior with the sleek shape created by the moulded cups and plunge design of this padded bra. Underwiring and added stretch provide all day comfort and support

Pin Dot Padded Underwired Bra, at Marks and Spenser
Smooth and versatile, this simple bra is ideal for everyday wear. Underwiring and padding give an uplifted and enhanced natural shape

Sonoma Extending Dining Table & 6 Alton Damask Chairs Set, at Marks and Spenser
7 piece set Table: H75 x L180 x W100cm Extends to L230cm Seats 6-8 people, comes with extension leaf to seat 8 Chair: H99 x W46 x D56cm Made from solid ash and fabric seat Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Top panel is veneered with 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

Vienna Collection - Floor Lamp, at Marks and Spencer
Facetted glass curtain shade Chrome plated base Round base Dimensions: H161 x Diam 40cm Bulb: 100W GLS or 21W CFL, Manufacturer: Marks & Spencer

Per Una Cap Sleeve Gathered Jersey Dress, at Marks and Spenser
A fashionable cap sleeve dress, featuring scoop neck and gathered front detail

2 Machine Washable Micro Check Ties, at Marks & Spensers
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

Twin Pleat Crease Resistant Trousers, at Marks and Spencers
Adopt a fuss-free approach to formal dressing with the crease resistant fabric of these sharp trousers, allowing you to stay looking smarter for longer

Floral Great Grandma Birthday Card, at Marks and Spencer
Cover text: To a precious Great Grandma have a lovely day Inside message: With lots of love

Indian Summer Pure Cotton Apron, at Marks & Spencers
Neck and waist fastening Front pocket Stripe design, Manufacturer: Marks & Spencer

Ceramic Emrald Platter Bowls, at Marks and Spencer
Circular shape H45 x L45cm, Manufacturer: Marks & Spencer

Pure Cotton Zip Off Camouflage Trousers, at Marks & Spencers
The camouflage design and multiple pockets make these pure cotton trousers a stylish and practical choice

2 Cotton Rich °Climate Control Vests, at Mark & Spencers
Climate control keeps you cool when you're hot and warms you up when you're cold so you're always at your optimum temperature. Exclusive to M&S, Climate control clothing is comfortable and breathable - ideal for sportswear. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Chrome Stick Table Lamp, at Marks & Spencer
Circular shade Chrome stand Thick neck Round base Bulb Compatability: Bulb: 40W E14 BC or 80W CFL Can be used with energy saving bulb H36 x Diam 14cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Ultimate Non-Iron Pure Cotton Short Sleeve Check Shirt, at Marks and Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Bereche Brut Reserve Champagne - Case of 6, at Marks and Spencer
Style: Grape variety: Chardonnay, Pinot Noir and Pinot Meunier Country of origin: France Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Hastings Bedside Chest, at Marks and Spencer
H58 x W47 x D43cm Crafted predominantly from solid pine and fibreboard 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

Classic Duckling Medium Gift Bag, at MarksandSpencer
1 gift bag Approx size: H260 x W200 x D90mm

Firm Control Lace Knickers, at Marks & Spencer
Look slimmer in seconds! These firm control knickers gently flatten tummies for a sleeker, slimmer silhouette

Ultimate Bond Collector's Edition DVD Box Set, at Mark & Spencers
Rating Suitable for 15 years and over,

Felt Cat Age 1 Birthday Card, at Marks and Spencer
Cover Text: 1 happy birthday Inside Message: With love Approx size: Flat: 174 x 126mm

Linen Blend Single Breasted 2 Button Plain Jacket, at Mark & Spencers
Smart and stylish, this tailored single breasted jacket is made from a crisp, cool linen blend

Laser Cut Butterfly Birthday Card, at Marks & Spensers
Cover text: Happy Birthday Inside message: Blank for your own message Approx size: 175 x 126mm

Push-Up Lace Padded Balcony Bra, at Marks and Spenser
Soft and comfortable, this padded bra is ideal for everyday wear. Underwiring and padding give an uplifted and enhanced natural shape

Handcrafted Laser Cut Fairy Cakes Mother's Day Card, at Marks and Spencers
Cover text: For my Gorgeous Mum Inside message: On Mother's Day Approx size: 178 x 126mm

Handcrafted Ralph the Hedgehog Valentine Card, at Marks and Spenser
Cover text: You're... Special lovely wonderful and mine... Inside message: Lucky me! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: Unfolded: 178 x 127mm

Perfect 7 Pairs of FreshFeet Contrast Socks with Silver Technology, at Marks & Spensers
The original and best. The silver technology in these socks keeps them fresh and odour-free for the lifetime of the sock (which is quite a while, thanks to their reinforced heel and toe)

Patterned Panama Summer Hat, at Marks and Spenser
Created from sturdy woven straw, it is the perfect addition to any Man's summer wardrobe, perfect for any occasion this patterned summer hat has the classic diamond crown with pinch front and is accented by a band trim

Recycled Hollowfibre Quilted Mattress Protector, at Marks & Spenser
Hollowfibre mattress protector Quilted Non allergenic Plain Comes in 3 sizes - single, double and king size, Manufacturer: Marks & Spencer

Long Sleeve Multi Pocket Hooded Coat, at Marks and Spencers
Fashionable and practical, this long sleeve hooded coat is fully lined and features a rouched design and multi pocket. A comfortable, easycare style

Set of 3 Photo Frames 20 x 25cm (8 x 10''), at Marks & Spencer
Set of 3 Aperature: 20 x 25cm (8 x 10in), Manufacturer: Marks & Spencer

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 House 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 House 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.