Marks & Spensers may not necessarily be the first name that springs to mind when you're thinking about renewing your House Insurance or Car Insurance, but MarksandSpencer 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 Finance 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, Car 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 Marks & Spencers insurance products in document format too.

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 House 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 & Spencer, 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.

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 Spencers 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, 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.

Classic Pearl Effect Necklace, at Mark's & Spencer
Clasp fastening Pearl effect Necklace length 64cm

Blue Foxglove Mum Birthday Card, at Mark & Spencers
Cover text: Happy Birthday Mum x Inside message: Hope your day is as wonderful as you are Approx size: Unfolded: 178 x 126mm

Natural Beauty Body Scrub, at Marks and Spencers
200ml Naturally fragranced

Autograph Textured Bootleg Trousers, at Mark & Spencers
Part of Autograph's Luxe Tradition trend. Luxurious and contemporary with a sense of British heritage, this trend features a soft colour palette, modern prints and beautiful fabrics. A sophisticated look for the new season

Metal and Glass Votive Wheel, at Marks & Spencer
Metal design Includes 6 votives H7 x D25cm, Manufacturer: Marks & Spencer

Chuggington Story & Sticker Activity Book, at MarksandSpencer
Wilson's too scared to get his damaged wheel fixed. But soon the red chugger can't ignore the problem any longer. Maybe the repair shed won't be so scary after all.. Once you've read the story, complete the activity pages at the end of the book. Within stickers of all your favourite friends

3 Pairs of Ribbed Top Sports Socks, at Marks & Spencer
Designed to sit snug inside your trainers, these cotton rich socks provide the essential comfort and breathability your feet need for those high impact workouts

3 Angel Cotton Rich Assorted Shorts, at Marks & Spencer
Cute and trendy, this pack 3 cotton shorts makes a great way to stock up on essential style

Pure Cotton Short Sleeve Graphic T-Shirt, at Marks and Spencer
Chic and modern, this short sleeve t-shirt is made from cool comfortable cotton and features a graphic print

Portfolio Linen Blend Wrap Tie Cardigan, at Marks & Spensers
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

2 Pairs of Older Girls' Cotton Rich Assorted Knee High Socks, at Marks and Spenser
Fun and fashionable, these cotton rich knee high socks feature assorted designs

Pleated Bedset, at Marks and Spencer
Pleated design 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, Manufacturer: Marks & Spencer

Per Una Floral Applique Layered Blouse, at Mark & Spensers
An elegant layered blouse featuring floral applique detail

Collezione Pure New Wool Soft Ribbed Trousers, at Mark's & Spencer
Italian style is renowned for its attention to detail. Each Collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on these trousers to give you a feeling of luxury like no other

Floral Print Gathered Waist Dress, at Marks and Spenser
Chic and contemporary, this gathered waist dress features a floral print and tie bow fastening. A fabulous fashionable look

The Healthy Diet Calorie Counter Book, at Marks and Spencers
Full of information and advice for the health-conscious slimmer, this book takes a fresh look at 'calorie counting'. Easy to use tables convey the nutritional value of over 600 foods, while a 'Quality Calorie' points system tells you whether the calories in a particular food are good or 'empty'

PURE ChargePAK E1 Rechargeable Battery Pack, at Marks and Spenser
Easy to install - can be fitted in seconds Easy to use - just fit and forget Charges inside the radio, no separate charging unit required Increased battery life per charge over standard rechargeable batteries Replaces the need for throwaway alkaline batteries Provides up to 24 hours wireless listening Battery specification: lithium-ion 3.7V 8800mAh Compatible with PURE radios: EVOKE Flow, EVOKE Mio, EVOKE-1S, EVOKE-2S 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 Free 2 year guarantee *Must be returned with the tamper seal intact for full refund

Girl's Fashion Schoolwear - 2-Pack 3/4 Sleeve Blouses, at Marks and Spencer
Practical and easycare, this 2-pack of blouses makes an ideal choice for school and the fitted shape gives a fashionable twist. Taped reinforced seams give a smooth neat look

Single Dendrobium Orchid, at M&S
This exotic, majestic orchid - beautifully enhanced by its understated white glass pot - will make a really unforgettable present Available for delivery from 1st July to 30th September 2009

Leather Crocodile Belt, at Marks and Spencer
Define your waistline with this fashionable crocodile finish waist belt

No VPL Floral Print Low Rise Shorts, at M&S
For the ultimate no-show look, these stretchy seamfree shorts are made from super smooth lace with bonded edges. They don't dig in and there are no irritating labels, so they feel incredibly comfortable to wear

Gold Plated Simple Twist Pendant Necklace, at Mark's & Spencer
Fine chain Clasp fastening Simple twist pendant Length: 40cm Extender: 7.5cm

The Guest List, at Marks and Spencer
This is the definitive guide to the UK's best hotels and restaurants. Discover the stylish interiors, fabulous food and unparalleled service that set these hotels and restaurants apart from the crowd. A hotel that achieves the rare combination of elegant simplicity, character, good service and remarkable food comes to be regarded by its guests as a rare discovery

Autograph Linen Blend Variegated Short Sleeve Shirt, at Mark & Spencers
Smart and refined, this shirt is part of an exclusive range of beautiful garments, available only in our top stores and online. It's made from superfine yarn so it feels luxuriously smooth. Designed for a stylish contemporary look and great fit

125 Years Gift Card, at Marks & Spencer
Credit card-sized Gift Card with presentation greetings card Can be redeemed in any of our UK stores and online Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Animal Alphabet Money Tin, at Marks & Spencers
1 money tin with padlock and 2 keys Animal print Dimensions: H11 x D8 cm

Pure Silk Diagonal Stripe Tie, at Marks and Spencer
Add a luxurious finishing touch with this contemporary multi stripe tie in pure silk

Autograph Weekend 3/4 Sleeve Pintuck Bib Top, at Marks & Spencers
Stylish and sophisticated, this 3/4 sleeve top is cut to flatter and features pintuck bib design for a modern look

Ruby Cup & Saucer - Black, at Marks & Spencer
2 piece set Slim handle stripe cup All over stripe saucer Saucer diam 14.5cm Cup height 5cm, Manufacturer: Marks & Spencer

Fairtrade Curico Valley Shiraz 2008 - Case of 12, at Mark & Spensers
Style: Medium bodied Grape variety: Shiraz Country of origin: Chile Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

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 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.