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 & Spencers are so useful. M&S Money Direct financial products are, of course, designed to make Marks and Spenser 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 may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Motor 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 Property 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 (Property Insurance, Motor 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 M+S insurance products in document format too.

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.

Pure Cotton Short Sleeve Mock Layer Top, at Marks & Spencer
It looks like a top and knitted tank top, but this striking contemporary mock layered design is just one piece. The stripe detail adds a special stylish touch

Per Una Short Sleeve Eccentric Lace Top Set, at Marks and Spencers
An elegant eccentric print lace top in soft stretch fabric featuring a camisole and necklace

Cotton Rich Fine Stripe Belted Shorts, at Marks & Spencer
Cute and sassy, these easy fit cotton rich shorts are relaxed and casual. A large bow detail adds a stylish finishing touch

Happy Birthday Brother Card, at Mark & Spensers
Cover text reads: Happy birthday brother Inside message: Have a fantastic day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

Winita Shoe Jewellery Holder, at Marks & Spenser
Shoe design Multiple hooks and hoops Padded ring holder H9"

Compaq Presario SR5707UK-M Desktop PC Bundle, at Marks and Spencer
Operating system:Genuine Windows Vista Home Premium 32-bit Processor:Intel Celeron Dual Core processor E1400, Intel G31 express chipset Memory:2GB DDR2-SDRAM, 2 DIMM sockets Storage:320GB SATA 3G Hard Disk Drive (7200 rpm), Up to 13GB partition for system recovery DVD writer SATA DVD RAM and Double Layer supporting LightScribe technology, Create silkscreen-quality disc labels direct from your PC with LightScribe: Just burn, flip, burn 15 in 1 memory card reader Communication:Ethernet 10/100BT integrated network interface Video:Intel Graphic Media Accelerator 3100, Integrated Graphics (VGA port) 128 MB dedicated memory, up to 287 MB total available graphics memory as allocated by Windows Vista Sound:High Definition Audio 5.1 (2 front audio ports, 3 rear analog audio ports) Included accessories:PS/2 keyboard and optical mouse Optional accessories:LCD Monitors (buy separately): Compaq WF1907v 19-inch Wide Flat Panel Monitor, Compaq W220q 22-inch Wide Flat Panel Monitor Ports and Expandability: 2 external optical drive bays, 1 internal HDD bay, 1 PCI-Express 16x (free), 1 PCI (1 free) and 2 PCI-Express 1x (2 free), 6 USB 2.0 ports (2 in front) Software: Microsoft Works and Microsoft Office Home and Student 2007 60-Day Trial Version, Microsoft Internet Explorer 7.0, Windows Mail, Adobe Reader 8.0 HP MediaSmart Suite: Music, Video, DVD, Photo, HP Total Care Advisor, Photosmart Essential, Windows Photo Gallery, Windows Media Player, Windows Movie Maker, Windows DVD Maker, Cyberlink DVDSuite, Muvee AutoProducer, EasyBits Magic Desktop, HP Games Console with hours of free game play, featuring EA Spore Creature Creator, Windows Media Center Service and Support:Recovery partition (including possibility to recover system, applications and drivers separately) Optional re-allocation of recovery partition Recovery CD/DVD creation tool Symantec Norton Internet Security 2009 (60 days live update) Weight:9.53 kg, packed: 14 kg Dimensions:16.9 x 42.6 x 37.7cm Warranty: 1 year, pick-up and return, parts and labour You can expand the warranty coverage of your product up to 3 years

Musicals CD, at Mark & Spencers
Audio CD, Marks & Spencer

Autograph Luxury Leather Holdall, at Marks and Spencer
This stylish and practical luxury leather holdall is ideal for business or weekend travel. It has plenty of space for all your essential items and has strong double handles and shoulder strap

2 Cotton Rich Straight Leg Joggers, at Marks & Spenser
Casual and comfortable, these easycare cotton joggers are outstanding value

Autograph Lace Cardigan with Cashmere, at Marks and Spencer
Soft and snuggly, this practical cardigan will keep her feeling warm and comfortable. With luxury in every detail, this is part of our exclusive Autograph collection

Autograph Pure Cotton Funnel Neck Jacket, at Mark & Spensers
This sharply styled casual jacket gives a fashionable urban look. Superior fabric, a contemporary design and exceptional attention to detail make it a must have for this season

Leather Mock Crocodile Purse, at Mark's & Spencer
This stylish purse is made from real leather with reinforced stitching and a secure fastening. A high quality and chic essential

Autograph Occasions Jaquard Wedding Dress & Bolero Set, at M&S
Feminine and elegant, this 2 piece wedding dress and bolero set is beautifully designed and detailed with an embroidered jaquard design. An exclusive, luxurious look from Autograph for your wedding day

Funnel Neck Long Sleeve Performance Jacket, at Marks & Spencers
Ideal for active wear, this Performance jacket incorporates moisture management technology. The high-performance fabric draws moisture away from the skin to the surface, keeping you drier. Designed for a great fit and essential ease of movement

The Cotton Collection Cotton Bud, Bath and Body Duo, at Marks and Spencer
Bath foam: 160ml Body cream: 75ml Drift away with our PH balanced bath foam to cleanse and soften your skin Smooth away your day with our moisturising body cream to soften and nourish your skin

2 Angel Cotton Rich Padded Non-Wired Bras, at Mark & Spensers
These great value bras are ideal for everyday wear. They're made with stretchy fabric for a supportive and comfortable fit and the non-wired design is the best choice for first bras

Sterling Silver Open Heart Necklace & Earring Set, at MarksandSpencer
2 part set Butterfly stud fastening earrings Clasp fastening necklace with fine chain Open heart design Diamant detail

Cotton Rich Lace Trim Brazilian Knickers, at Marks & Spencer
Brazilian briefs are the newest trend in knicker shapes with their flirty cutaway styling at the front and back. These flattering lace trim knickers are designed to make the most of your figure

T343348, at M & S
Manufacturer: Marks & Spencer

Heritage Collection - Chandelier, at Marks & Spencers
Candle effect shades 5 arms Interlinked ball design 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

Single Sprung-Edge Divan with 2 Small + 2 Large Drawers & F300 Memory Foam Mattress, at Marks & Spencers
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190 cm King Size Mattress (5ft): W150 x L200 cm Super King Size Mattress (6ft): W180 x L200 cm Single Divan (3ft): W90 x L190cm Double Divan (4ft 6in): W135 x L190cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): W180 x L200cm Divan Height: 41cm Mattress depth: 25cm Large Drawer: H14 x W78 x D52cm Small Drawer: H14 x W40 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table Sprung-Edge divan - can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person Free eco-friendly home delivery. Our crews will unpack, assemble and position the item Soft knitted cover adds extra comfort to the mattress and works with the memory foam for optimum support Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

La Prendina Estate Corvina Red 2007 - Case of 12, at MarksandSpencer
Style: Medium bodied Grape variety: Corvina, Marzemino & Barbera Country of origin: Italy Closure: Natural cork Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Silver Photographic Champagne Bottle Bag, at Marks & Spencer
1 bottle bag with tag Approx size: H370 x W120 x D80mm

Gold Plated Diamanté Tiny Floral Stud Earrings, at Marks and Spencers
Butterfly stud fastening Diamant detail Floral design For hygiene reasons, refunds will only be given in accordance with your legal rights

Orchid Gift Card, at Marks&Spencer
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card 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

Plush Noisy Plane Toy, at M+S
Plush toy Brightly coloured soft bus Textured fabric wings Realistic sound This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Sprung-Edge Divan with 4 Large Drawers & Autograph F500 Latex Pillowtop Mattress - Medium, at Marks & Spencer
Single mattress (3ft): W90 x L190cm Double mattress (4ft 6in): W135 x L190cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 29cm Divan height: H41cm Large drawers: H14 x W78 x D52cm Highly responsive pocketed springs Mattress features deep pillowtop layer of Talalay latex and luxurious white fibre Mattress also features two further layers of cotton and resilient white fibre for additional support Double row of hand side-stitching to add support to the edges Mattress spring count: 1225 All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Official ECB Pure Cotton Hooded Top, at Marks and Spencer
A must for cricket fans! This official top features a contrasting zip and hood lining and the England Cricket logo. An easycare style in soft comfortable cotton

Inky Alliums Mum Birthday Card, at Marks & Spensers
Cover text: Mum, this brings lots of love and thanks for all that you do... Inside message: ...and wishes for a birthday that's wonderful like you Approx size: 150 x 150mm

Pure Linen Ladder Detail Camisole, at Marks & Spensers
This fab sleeveless top features a pretty crochet ladder design. A fresh new look, perfect for this season

Besides Marks & Spensers Motor 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&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.