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.

When you're shopping at Marks & 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 Property Insurance and Car Insurance, there's a lot more going on at Mark & Spensers 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."

Besides Marks & Spencers Car Insurance, M&S Money Direct Credit Cards and other financial products, M&S Money Direct Property 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 Marks and Spencer purchases are also protected while you take them home.

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

Pure Silk Ditsy Square Print Scarf, at Marks and Spencer
Add a luxurious finishing touch to your look with this elegant pure silk ditsy square print scarf. The perfect accessory to this season's styles

Satin Spot Print Shirt with Belt, at Marks and Spencers
This fab short sleeve shirt features a stunning spot and empire line design. A sophisticated new look, perfect for this season

Portfolio Overlapped Disc Collar Necklace, at Marks & Spencer
Adjustable length Clasp fastening Overlapped disc design Necklace length 45cm

Pure Cotton Basic Dark Denim Jeans, at Mark's & Spencer
Jeans are a wardrobe essential and this dark denim pair make a fashionable and practical choice

Autograph Pure Cotton Straight Leg Coated Jeans, at M & S
Fashionable and contemporary, these straight leg jeans are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

5 Younger Girls' Pure Cotton Sleeveless Plain Vests, at Marks & Spensers
Stock up on stylish essentials with this 5 pack of cotton vests

Jaquard Floral Wedge Mule Slippers, at Marks & Spencer
Fun and fashionable, these mule slippers feature floral design and they're machine washable for added convenience. Relax in style and comfort!

Blue Harbour Heritage Short Sleeve Numbered Rugby Polo Shirt, at Marks & Spencers
Casual and relaxed, this short sleeve rugby polo shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Big And Tall Flat Front Linen Trousers, at Marks and Spencer
Fashionable and smart, these lightweight flat front trousers are the perfect choice for warmer weather

Vanilla Scented Pillow, at M&S
Vanilla scented Rectangle shape, Manufacturer: Marks & Spencer

Knock on Wood Red Blend 2007 - Case of 6, at MarksandSpencer
Style: Full bodied Grape variety: Mixed Red Country of origin: South Africa Closure: Screw cap Suitable for vegetarians Bottle: 6 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

PlayStation®3 Sonic the Hedgehog Game, at Marks and Spencer
3 playable characters Run through stages with Sonic's trademark speed 10 action packed stages Customise and personalise your abilities Multiplayer modes Suitable for 12 years and over 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 *Must be returned with the tamper seal intact for full refund, ESRB Rating: Teen

5 Cotton Rich Assorted Bikini Briefs, at Marks & Spencers
These assorted print cotton rich bikini briefs are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Long Length Stitch Detail Skirt, at Marks and Spenser
Fashionable and contemporary, this panelled skirt is designed to fit and flatter. A modern style essential

4 Linen Mugs - Sage, at Marks and Spencer
Set of 4 H 11cm Linen floral print, Manufacturer: Marks & Spencer

Mixed Faux Pearl & Bead Tassel Necklace, at Marks & Spencers
Clasp fastening Tassel detail Mixed Faux pearl and bead design Necklace length: 76cm

Contemporary Footglove™ Wide Fit Leather Trouser Shoes, at Marks & Spensers
Round toe Stitch detail Gusset feature Slip on Mid heel Heel height: 52mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Andante Rim Cereal Bowl, at Marks and Spencer
Ideal for everyday use, durable Dishwasher and microwaveable safe Plain Diameter: 17.5cm, Manufacturer: Marks & Spencer

Autograph Cotton Rich Swimming Shorts, at Marks & Spensers
Casual and contemporary, these swimming shorts are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Spot Print Satin Chemise, at Marks and Spencer
Feminine and elegant, this sleek satin nightdress feels comfortable and gives a flattering fit. A gorgeous, glamorous look

Big & Tall Single Pleat Fine Herringbone Trousers, at Marks and Spencer
No more trips to the drycleaners! These smart, fashionable trousers are machine washable. Perfectly proportioned for big and tall men

Viva Nest of Tables, at Marks and Spencer
H47 x W51 x D40cm (Largest table) Set of 2 tables Made from steel with a nickel finish Shelves are made from safety-tested toughened glass Delivered flatpack due to size. Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Bright Prints Range Set of 3 Pens Circles, at Marks & Spencers
Set of 3 13.5cm x 0.1cm

Classic Cakes Cooking Book, at Marks and Spencers
Rejuvenate the art of baking classic cakes with this useful book, create delicious home baked cakes for your family to enjoy

Bacon, Leek & Vintage Cheddar Puff Pastry Tart, at Marks and Spencer
Serves 4-6 Ready to cook 400g As featured on page 21 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

Lion Rug, at Marks & Spencer
Hand woven Luxuriously deep pile Super soft Small: L140 x W80cm Medium: L180 x W120cm Large: L230 x W160cm, Manufacturer: Marks & Spencer

Perfect Modal Blend Scoop Neck Stripe Top, at Marks & Spencer
What weekend chic is all about. This soft, pima cotton modal tee looks great with jeans or cords

Older Boys' Fluffy Waist Tie Dressing Gown, at Marks & Spenser
Soft and cosy, this dressing gown is made from comfy fluffy fabric

Wool Rich Lion Rug, at M&S
Rectangular shape Soft, Manufacturer: Marks & Spencer

Pure Silk Applique Cushion, at Marks and Spencers
Square shape Applique design L50 x W50cm, Manufacturer: Marks & Spencer

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, 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.