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 Home 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 Home 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.

Marks & Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Home 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 Home 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 (Home 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 MarksandSpencer insurance products in document format too.

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

Supima® Pure Cotton Non-Iron Fitted Sheet, at Marks & Spencer
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

Dogtooth Print Flexilite Umbrella, at Mark & Spensers
Brighten up rainy days with this stylish flexilite umbrella

Body Formula 3-in-1 Cooling Leg Gel, at Marks and Spencers
Menthol and eucalyptus give a cooling senasation on your legs as the gel is absorbed Xyleine™, an ingredient derived from lemon, papaya and olive leaf, has been shown to reduce hair regrowth rate and thickness 150ml

Pure Cotton Stripe Broderie Trim Top, at Marks and Spencer
This short sleeved top will make a useful addition to your wardrobe. It features pretty broderie trim details for a stylish casual look

Linen Blend Pinstripe Straight Leg Trousers, at Marks and Spenser
Sophisticated and elegant, these tailored trousers are detailed with a prinstripe design. A fashionable choice for work or formal occasions

Pure Cotton Stripe Mock Layer Jersey Top, at Mark's & Spencer
Smart and stylish, this mock layer top is made from cool comfortable cotton and features a ruffle front detail and stripe print

Pure Cotton Long Sleeve I Love Baking Top, at Marks & Spencer
Pretty embroidery and i love baking slogan makes this soft cotton top extra special

Chrome Collection Toilet Roll Holder, at Marks&Spencer
Wall mounted Classic design H8.5 x W16 x D6cm, Manufacturer: Marks & Spencer

Formula Calming Eye Make-Up Remover Pads (30), at Marks and Spencer
Pack of 30 Calming formula

Sun Formula Protect & Refine Facial Sun Lotion, at Mark & Spencers
Helps to prevent the signs of aging Powerful antioxidant complex Anti-wrinkle Anti-aging Prevention of age spots Australian formula 12 hour moisturisation SPF50 gives up to 50 times your natural skins protection 50ml This product is not available for international delivery. Find out more

Ashbourne Storage Footstool, at M+S
H46 x W68 x D58cm all dimensions are approximate) Top cushion filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Classic Collection Pure Cotton Short Sleeve Top, at Marks and Spencer
Feminine and pretty, this floral print top will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

Girls' Fashion Schoolwear - Cotton Rich V-Neck Tank Top, at Marks & Spencer
Smart and comfortable, this soft cotton blend tank top is a lightweight extra layer that's ideal for school

Woodland Snail Rattle & Teether, at Marks & Spencers
Suitable from birth Soft toy with teether rings For added safety, the stuffing in this product is incorporated in an extra layer This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Limited Collection Cotton Rich Spot Vest & Shorts Set, at Marks and Spencer
Fabulous and modern, this vest and shorts set is part of our Limited Collection lingerie. Theyre made from soft stretch cotton and designed to fit and flatter. Casual, contemporary fashion

Per Una Floral Lace Padded Plunge Bra, at Marks and Spencer
Fresh and feminine, this padded bra features floral embroidery. It's underwired for extra support and the padded plunge style gives an enhanced shape. Pretty everyday fashion

Scrapbook Style 40th Birthday Card, at MarksandSpencer
Cover text: 40 happy birthday Inside message: With lots of love Approx size: 150 mm x 150 mm

Cotton Rich Stitch Detail Bootleg Jeans, at Marks and Spencer
Flattering and fabulous, bootcuts make legs look longer and are kind to curves. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Classic Collection Linen Blend Jacket, at M&S
Feminine and elegant, this luxurious linen blend jacket is cleverly cut for a flattering fit. Pintuck detail adds a stylish finish

Per Una Faux Fur Lined Boot Slippers, at Marks and Spenser
Round toe Suede-effect Faux fur lining and trim Flat sole Side tie detail Knee length

Blue Harbour Linen Blend Large Grid Shirt, at Marks and Spencer
Stylishly smart casual, this large grid shirt is outstanding value!

Nerello Mascalese 2008 - Case of 12, at MarksandSpencer
Style: Medium bodied Grape variety: Nerello Mascalese Country of origin: Italy Closure: Synthetic closure Bottle: 12 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

Sterling Silver Loop Bangle Bracelet, at Marks and Spencers
Loop fastening Plain Sterling silver This product is not available for international delivery. Find out more

Stud Detail Shopper Bag, at Mark's & Spencer
Fashionable and practical, this stud detail shopper bag is a useful accessory with bags of style!

Cotton Rich Coolmax® Duvet Cover, at Marks & Spencers
220 thread count for a smooth crisp finish that requires minimal ironing Plain Easycare Perfect for use with our range of cool cotton duvets and protectors Comes in single, double, kingsize and super-kingsize, Manufacturer: Marks & Spencer

Blue Harbour Pure Cotton Crew Neck T-Shirt, at Marks and Spenser
Fashionable and relaxed, this crew neck t-shirt is made from pure cotton. It's soft, breathable and comfortable to wear

Embroidered Raccoon Booties, at Marks and Spencer
Cute and comfy, these practical booties feature an embroidered racoon design. A soft stretchy cuff keeps them on securely

Summer Weight Flat Front Trousers, at Marks and Spenser
With a modern, flat front silhouette combining comfort and style, these dapper trousers add versatile appeal to your formal wardrobe, maintaining your smart look throughout the day

M&S Switchable Scart Adaptor, at Marks & Spencers
Connective solution for phonos/s-videos to scart Switch devices between input and output 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 This product is not available for international delivery. Find out more

White Pearl Damask Small Wedding Photograph Album, at Mark's & Spencer
Contains: 1 album, 105 glue dots, gift box, 700Mb CD-R Album: H155 x W200 x D33 mm Box: H168 x W215 mm x D40 mm

There are lots of ways to save money using M&S Money Direct. Not least of these is M+S Standard Car Insurance. With M&S Money Direct you can keep the cost of your Car Insurance down by choosing Standard cover, over Premier Cover. UK Vehicle can then be added to your policy as optional extras, if you wanted to.

If you're thinking of adding both Breakdown Cover and Motor Legal Protection, then it would cost less to upgrade to Premier Car Insurance cover from M&S Money Direct, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks&Spencer, and these include: Courtesy car (subject to availability); Loss, theft, damage and destruction of vehicle; Loss or damage to personal property in vehicle; Personal accident cover up to £10,000; Windscreen cover (£75 excess); a 24 hour claims service, and many other options as standard on each policy. In short, with Car Insurance from M&S Financial Services, you get more, and you pay less.