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 Buildings 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 Buildings 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.

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 M&S 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, Sainsburys, 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 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.

M&S may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Car 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 Marks & Spencer Money 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 Buildings 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 (Buildings 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 and Spenser insurance products in document format too.

Château Richelieu 2004 - Case of 6, at Marks & Spensers
Style: Full bodied Grape variety: Merlot & Cabernet Franc Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Limited Collection Etched Floral Lace Brazilian Knickers, at Mark's & Spencer
Fabulous and fun, these comfortable Brazilians are part of our Limited Collection lingerie. They're made from soft stretchy fabric, and the scooped front and back give a shapely modern fit. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

5 Pairs of Footsies, at MarksandSpencer
These soft semi-opaque footsies are designed to hide inside your shoes for extra comfort

Thermal Wide Ribbed Leggings, at Marks and Spencers
Keep warm and comfortable in these soft thermal leggings. Cosy without being bulky, they make the perfect extra layer for cold weather

Hippo Pramsuit, at Marks and Spenser
Cute and cosy, this hooded pramsuit is warmly padded and lined with soft cotton to keep him comfortable

Disney Fairies' Shimmering T-Shirt, at M & S
Suitable for ages 5+ Pack of 2 Contains a t-shirt with pretty pre-printed tink design and instructions Develops creativity This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Portfolio Bobble Choker Necklace, at M & S
Choker style Clasp fastening Adjustable length Bobble design Necklace length 41cm, extendable by 8cm

Long Assorted Bead Necklace, at Marks&Spencer
Clasp fastening Adjustable length Assorted bead design Length: 104cm Extender: 8cm

Per Una Roma Cotton Rich Bootleg Jeans with Belt, at M&S
A smart pair of bootleg jeans in stretch cotton featuring a faux snake print belt

Modal Rich Vintage Lace Bow Shorts, at Marks & Spencers
These shorts are made with supersoft modal. They feel incredibly comfortable and silky smooth against the skin

4 Windsor White Wine Glasses, at Mark's & Spencer
Set of 4 Dishwasher safe 36cl H22cm, Manufacturer: Marks & Spencer

Georgian Antique-Brass Headboard, at Marks & Spencers
Headboard H84cm Single: W94cm Double: W142cm King size (5ft): W155cm Super king size (6ft): W185cm Antique-brass effect 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

Metal Flower Photo Frame 13 x 18cm (5 x 7"), at Marks and Spencer
Metal flower design Aperture 13 x 18cm (5 x 7 in), Manufacturer: Marks & Spencer

Fairtrade Lily Bouquet, at M&S
This beautiful Fairtrade flower bouquet, featuring white Oriental lilies and lovely gypsophila, is sure to make someone smile Fairtrade Certified Flowers Available for delivery from 1st April to 30th September 2009

Fern Embroidered Cushion, at Marks & Spensers
L30 x W40cm Embroidered fern design Rectangular shape, Manufacturer: Marks & Spencer

Ingredients Bath Essence Mini Collection, at Marks & Spencers
Pomegranate Bath Essence 60ml Ingredients: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, PEG-18 Glyceryl Oleate/Cocoate, Sodium Chloride Laureth-4, Polysorbate 20, Limonene, Parfum, Benzophenone-3, Disodium EDTA, Alcohol Denat, Glycerin, Triethylene Glycol, Benzyl Alcohol, Linalool, Propylene Glycol Punica, Granatum (Pomegranate Extract), PEG-40 Hydrogenated Castor Oil, Trideceth-9, Magnesium Nitrate, Methylchloroisothiazolinone, Magnesium Chloride, Sodium Benzoate, Tocopherol, Lactic Acid, Potassium Sorbate, Methylisothiazolinone, CI 15985, CI 17200, CI 42090 Lemon Bath Cream 60ml Ingredients: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, Polysorbate 20, Sodium Chloride, PEG-18 Glyceryl Oleate/Cocoate, Sodium Styrene/Acrylates Copolymer, Benzophenone-3, Disodium EDTA, Parfum, Limonene, Citral, Linalool, Polyquaternium-39, Triethylene Glycol, Benzyl Alcohol, Alcohol Denat, Citronellol, Propylene Glycol, Geraniol, Benzyl Benzoate, Hexyl Cinnamal, Citrus Medica Limonum Oil (Lemon Oil), Sodium Lauryl Sulfate, Citric Acid, Magnesium Nitrate Methylchloroisothiazolinone, Methylparaben, Magnesium Chloride, Methylisothiazolinone, Propylparaben, CI 19140, CI 15985 Shea Bath Cream 60ml Ingredients: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, Polysorbate 20, Sodium Chloride, PEG-18 Glyceryl Oleate/Cocoate, Parfum, Sodium Styrene/Acrylates Copolymer, Benzophenone-3, Disodium EDTA, Sodium Sheabutteramphoacetate, Polyquaternium-39, Triethylene Glycol, Benzyl Alcohol, Propylene Glycol, Glycerin, Alcohol Denat, Sodium Lauryl Sulfate, Citric Acid, Magnesium Nitrate, Methylchloroisothiazolinone, Methylparaben, Magnesium Chloride, Caramel, Methylisothiazolinone, Propylparaben, CI 19140, CI 15985 Cocoa Bean Bath Essence 60ml Ingredients: : Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, PEG-18 Glyceryl Oleate/Cocoate, Sodium Chloride, Parfum, Laureth-4, Polysorbate 20, Theobroma Cacao Extract, Benzophenone-3, Citric Acid, Disodium EDTA, Hexyl Cinnamal, Citrus Aurantium Dulcis Oil, Limonene, Triethylene Glycol, Benzyl Alcohol, Caramel, Propylene Glycol, Coumarin, Alcohol Denat, Magnesium Nitrate, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, CI 15985 Lime Bath Cream 60ml Ingredients: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, PEG-18 Glyceryl Oleate/Cocoate, Sodium Chloride, Laureth-4, Polysorbate 20, Parfum, Sodium Styrene/Acrylates Copolymer, Benzophenone-3, Disodium EDTA, Limonene, Linalool, Citrus Aurantium Dulcis Oil, Triethylene Glycol, Benzyl Alcohol, Citrus Aurantium Bergamia Oil (Bergamot Oil), Propylene Glycol, Alcohol Denat, Citrus Aurantifolia Oil (Lime Oil), Sodium Lauryl Sulfate, Litsea Cubeba Berry Oil, Magnesium Nitrate, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, CI 19140, CI 42090

Per Una Supersoft Embroidered Spot Mule Slippers, at Marks & Spencers
Mule style Round toe Flat sole Embroidered spots

Ultra Fit Plain Sport Briefs, at Marks and Spencers
These innovative Ultra Fit Sport briefs keep you dry and fresh. The technology is built in so it will always work as effectively no matter how many times you wash them. Soft fabric with 8-way stretch gives maximum comfort and support. Ideal for sports wear and the gym, comfy enough for relaxed everyday wear

5 Cotton Rich Cushioned Trainer Liner Socks with Cool&Fresh, at Marks and Spencers
These trainer liners feature a cushioning sole for shock absorption and comfort. Knitted arch support keeps them in place during exercise

Satin Dress Aunty Birthday Card, at Marks and Spencer
Cover Text: Happy birthday to a special aunty Inside message: Have a fabulous day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 125 mm

Light Control Floral Lace Shorts, at Mark's & Spencer
Look slimmer in seconds! These light control shorts gently flatten tummies for a sleeker, slimmer silhouette

Freshfeet Pure Cotton Fine Cord Slippers, at Marks & Spencers
Round Toe Lined Flat sole Slip on With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology is permanently built in to the slipper and still performs after many washes Freshtech™ technology combats the bacteria that causes bad smells and odours Antibacterial for fresh feet comfort

Autograph Leather Patent Trim Court Shoes, at Marks & Spencers
Almond toe Patent trim Slip on Court style Slender contrast heel Heel height: 8 cm Comes in sizes 3-8, including half sizes

Animal Print Tankini Top, at Marks & Spencer
Feminine and pretty, this flattering tankini is designed in the latest shape. Make a splash!

Younger Boys' Knitted Beanie Hat, at Marks & Spenser
Warm and comfy, this knitted beanie hat is ideal for chilly days

Pure Cotton Henley Neck Jersey Top, at Marks & Spencer
A casual classic, this soft cotton Henley neck top is a comfortable style essential

Piped Bow Leather Gloves, at Marks and Spencers
These fashionable and elegant leather gloves are finished with piped bow and are warmly lined. Perfect for keeping out the cold without compromising on style

3 Pairs of Assorted Cotton Rich Socks, at Marks and Spencer
These classic cotton rich socks are soft, breathable and comfortable. Added stretch gives a great fit

F100 Open Coil Memory Foam Coolmax° Mattress & Sprung Edge 4 Drawer Divan, at MarksandSpencer
No turn mattress Mattress and divan are anti-allergy Mattress: spring count 288, depth 23cm Divan height: 41.5cm Divan drawer size: 4 x large H15 x W78.4 x D53cm Single 3ft: W90 x L190cm (has 2 large right- or left-hand drawers) Double 4ft6: W135 x L190cm King size 5ft: W150 x L200cm Super king size 6ft: W180 x L200cm This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer, Manufacturer: Marks & Spencer

Compton Side Table, at Marks and Spencer
H57 x W50 x D57cm 1 drawer Made from White Oak solids and veneers Hand distressed, with the distressing aged with dark patina Mid-brown stained finish, followed by 2 coats of durable, clear lacquer of low sheen Drawer fronts and boxes made with solid hardwood. Draw bottoms made with oak veneer Solid hardwood legs Side panels, door panels, back panels made from oak veneer. Top panels made from oak veneer with a 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 manufacturers instructions, and be aware that polishes can add sheen. SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Compton Collection Set. This product is not available for international delivery. Find out more , 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 MarksandSpencer are so useful. M&S Money Direct financial products are, of course, designed to make Marks n 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, Buildings Insurance policies. Usually, UK Buildings 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 Buildings 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 Buildings Insurance than you will anywhere else, and you may even pay less with M&S.