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 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.

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 Marks and Spencers 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.

M&S Money Direct offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor 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 Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Money Direct Motor Insurance is not like that at all, and when you compare M&S Motor Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Marks and Spencer 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsbury's, or Tesco:

• 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 Motor 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.

21 DVD, at Marks & Spencers
Rating Suitable for 12 years and over,

Large Blonde Rag Doll, at Mark's & Spencer
Not recommended for babies under 12 months Hair ribbon detail Apple print design Suitable for ages 1-3yrs This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Per Una Heart Charm Drop Earrings, at Marks & Spencers
Stud fastening Floral and heart design Diamant detail For hygiene reasons, refunds will only be given in accordance with your legal rights

Power Rangers Jungle Storm Activity Pad, at Marks & Spencer
Join forces with the awesome Power Rangers and complete the mega-cool activities inside this book. Have a great time cracking codes, finding your way through mazes and colouring in all of your favourite Power Rangers. Get ready to join in the fight to save the world from evil!

Daddy & Me - Chainsaw & Goggles, at Mark's & Spencer
Chainsaw with easy-grip handle Toy safety goggles with elasticated headband Batteries included Suitable for ages 3+ This product conforms to EN71 and the Toy Safety Directive 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, Manufacturer: Marks & Spencer

Limited Collection Frill Sleeve Satin Dress, at Marks & Spencers
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Collezione Snaffle Loafers, at Mark & Spencers
Square toe Slip-on Snaffle feature Block heel

Autograph Wool Rich Flat Front Hairline Stripe Trousers, at Marks & Spencer
A flat front and black tones give them a modern look and feel that can be worn in the office or when out and about

Body Formula 24 Hour Extra Rich Body Cream, at Marks & Spencers
Suitable for all skin types Replenishes lost moisture Nourishes and feeds the skin Smoothes and softens Soft care system leaves a velvety feel to your skin 200ml

Autograph Sweet Avalanche+ Roses - Two Dozen, at Marks & Spencer
These extra-long stemmed, large-headed roses come in a selection of glorious shades. All of the rose bouquets are hand-tied and beautifully wrapped in frosted Autograph™ cellophane and black ribbon Available for delivery from 1st April to 30th September 2009

Bubble Base Tumbler, at MarksandSpencer
Bubble base design Hand made glass with heavy base Height: 15.5cm Capacity: 225ml (25.5cl), Manufacturer: Marks & Spencer

Portfolio Pure Cotton Broderie Tunic, at Marks and Spencer
Part of Portfolio's Set Sail trend. Fresh and breezy, this sophisticated look features classic styling with vibrant accents of summertime pinks and blues. Feminine and coordinated designs for the new season

The Floral Collection Moisture Rich Rose Handwash, at M+S
Rose fragrance Moisture rich Handwash 250ml

Panasonic 50'' TX-P50G10 Full HD Plasma TV with freesat HD, at Marks and Spencer
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 50 inch plasma screen, 2,073,600 (1,920 x 1,080) pixels Contrast Ratio (in dark surroundings): Dynamic: Infinite Black/Over 2,000,000:1; Native: 40,000:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: W121.8 x H81.4 x D40.1cm (with stand), W121.8 x H76.9 x D10.6cm (without stand) Weight: 35kg (with stand) 32kg (without stand) V-Audio with SRS TruSurround XT: V-Audio delivers crystal-clear sound with superior bass performance while the SRS TruSurround produces enhanced surrounding effects Connectors: 3 x HDMI, 2 Scart, PC Input, S-Video, Component Video Input, Headphone Jack VIERA Superior Picture Quality: The VIERA system provides richly expressed images with enhanced contrast and deeper natural colours, thanks to the wider x.v.Colour palette Digital Cinema Colour: Superb colour reproduction with 5,1200 steps of gradation Intelligent Frame Creation With 24p Playback: With 50Hz video signal input, the Intelligent Frame Creation achieves high moving picture resolution even in fast-motion scenes. 24p Playback creates high speed playback of images to recreate the full cinematic experience SD Card Slot: View your treasured photos on the big screen by simply removing your camera's memory card and sliding it into the SD card slot VIERA Link: Enables you to control all your AV systems with only one remote Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Cotton Rich Transformers Hooded Top, at Marks & Spencer
Fans of Transformers will love this hooded top featuring embroidered motif. A practical, easycare style

Chunky Mixed Bead Necklace, at Marks & Spencer
Rope necklace Chunky mixed beads Clasp fastening Necklace length: 97cm

Cashmilon™ Snake Print Tasselled Scarf, at Marks n Spencer
Keep warm, cosy and stylish in this fashionable snake print tasselled scarf made from supersoft cashmilon™

Ivory and Black Cake or Favour Boxes, at Marks & Spenser
Contains: 10 cake or favour boxes Flat: 155 x 85 mm Folded: L130 x W80 x D27mm

Ultimate Non Iron Pure Cotton Neutral Stripe 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

Autograph Pure Silk Stripe Tie, at Marks and Spencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Brushstroke Print Scarf, at Marks&Spencer
Add a fashionable finishing touch to your look with this elegant brushstroke print scarf. The perfect accessory to this season's styles

Autograph Exclusive Leather Double Wingtip Shoes, at Marks and Spencer
Square toe Lace up Double wingtip design Punch detail 5 eyelets Shallow block heel Available in half sizes

Non-Stick Large Oven Tray, at Marks and Spenser
Non-stick Teflon coated Dimensions: L38 x W30 x D4.5cm, Manufacturer: Marks & Spencer

DeLonghi Perfectra Cappuccino ESAM5500 Coffee Machine, at M&S
High performance 15 bar pump pressure De'Longhi pantented 'single touch' milk carafe and frothing system to obtain real cappuccino straight into the cup or glass The milk carafe (1L) can be cleaned at a touch of a button and stored in the fridge when not in use Ultimate bean to cup quality with only one touch to create perfect espresso Easy-tronic digital control panel: stylish ipod-style design with sleek illuminated icon display and rotating control dial Perfecta can be used with either fresh coffee beans or ground coffee Removable water tank (1.7 litres) Full digital display for ease of use Integrated profesional burr grinder with 7 adjustable coarseness settings Adjustable quantities of coffee and water to make and individually tailored cup of coffee Electronic temperature control so you can set your coffee from piping hot to medium temperature Removable brewing unit for easy cleaning Automatic shut-off of machine after a pre-set time has elapsed Electronic steam and coffee thermostat for accurate temperature control Double boiler system, with one boiler exclusively for espresso and the other for steam, means your cappuccino can be made almost instantly with the press of one button Rinse and decalcification auto-programmes variable to reflect local water hardness Adjustable height coffee dispenser to accommodate either full size or espresso size Active cup warmer Removable drip tray with water level indicator Stylish silver/blue finish 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 , Manufacturer: Marks & Spencer

Blue Harbour Cotton Rich Zip Fastening Hoodie, at Mark & Spensers
A casual essential, this cotton rich hoodie is extremely comfortable and can be worn layered for a contemporary look

Portfolio Gold Button High Waist Trousers, at Marks & Spenser
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Pink Tutu Granddaughter Birthday Card, at Marks & Spencers
Cover text: For a beautiful Granddaughter Inside message: With love

Perfect Long Sleeve Oblong Cardigan, at Marks and Spencers
The fluid, elegant cut of this cardi is wonderfully flattering. Team it with jeans or cords for easy autumn style.

125 Years Limited Collection Cotton Rich Racer Back Bra, at Marks&Spencer
Fun and fabulous, this cotton rich bra is part of our Limited Collection lingerie. Its perfectly smooth so you wont get any visible lumps and bumps under your clothes. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Per Una 3/4 Sleeve Assorted Button Cardigan, at Mark's & Spencer
A beautiful 3/4 sleeve cardigan in a chunky knitted fabric featuring stripe design and assorted button fastening

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 Property Insurance and Motor Insurance, there's a lot more going on at Mark's & 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."