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 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.

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 & Spensers 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, Sainsburys, 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.

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 & 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, 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.

Formula Skincare For Men Aftershave Balm, at M & S
Soothes Moisturises Non-greasy balm

The Kingdom Blu-ray DVD, at Marks and Spencer
Rating Suitable for 15 years and over,

Flat Front Trousers, at Mark's & Spencer
Smart and stylish, these flat front trousers are outstanding value

3 Tear Drop Gemstone Photo Frames, at Marks and Spencers
Set of 3 Circular frames Tear drop gemstone design H8 x W8 x D2cm, Manufacturer: Marks & Spencer

Sprung-Edge Divan on Legs & F200 Mattress with Coolmax°, at Marks and Spenser
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: 24cm Divan height: H31cm Individually pocketed springs Deep layer of memory foam Coolmax stretch knit cover helps regulate body temperature and adds a soft feel to the mattress Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support Pocket sprung mattresses give a flexible feel Mattress spring count: 930 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pull On Bucket Summer Hat, at Marks & Spencer
This woven pull on hat is ideal for all your summer activities this season. Whether you find yourself at a festival, in the garden or at the beach the wide brim will keep you feeling cool and well protected

Vantage Point Blu-ray DVD, at Mark's & Spencer
Rating Suitable for 12 years and over,

Flock Heart Wedding Card, at Marks and Spencers
Cover text: WEDDING Inside message: Blank for your own message Approx size: Unfolded: 178 x 126 mm

Smithbrook The Yilgarn Blanc Sauvignon Blanc Semillon 2007 - Case of 6, at Marks and Spencers
Style: Dry, medium bodied Grape Variety: Sauvignon Blanc, Semillon Country of origin: Australia Closure: Screwcap 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

Little Sweetheart Pencil Pleat Curtains, at Marks & Spensers
Heart detail Floral print hem Pencil pleat Comes in standard 168cm/66in (STD) Also comes in two drop lengths: short (137cm/54in) and medium (183cm/72in) How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Vin D'Alsace Gewurztraminer 2008 - Case of 12, at Mark's & Spencer
Style: Dry Grape variety: Gewurztraminer Country of origin: France Closure: Screw cap Suitable for vegetarians 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

Fluffy Dog Age 2 Birthday Card, at M&S
Cover text: Happy Birthday 2 Inside message: Have a great day x This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 127mm

10 Print Your Own Graphic Heart RSVP Cards, at Mark's & Spencer
Graphic heart design 10 cards, 1 design Inside message: Many thanks for your kind wedding invitation Would be pleased to accept/cannot accept The cards in this pack are made with material from FSC certified sustainable forests Approx size: 133 mm x 73 mm

Per Una 3/4 Sleeve Beaded Neckline Cardigan, at Marks and Spencers
An elegant 3/4 sleeve cardigan featuring a beaded neckline and assorted button fastening

Stripe Trim Bikini Top, at Marks&Spencer
Fashionable and comfortable, this stylish stripe trim bikini is underwired for a flattering, supported shape. Look your best on the beach!

Younger Girls' Pom Pom Ballet Slippers, at Marks and Spencers
Ballerina style Round toe Knitted design Pom pom feature Contrast trim Slip on Flat sole

Handcrafted Dan's Mouse Mother's Day Card, at Marks & Spenser
Cover text: Just for you Mum Inside message: On Mother's Day! Approx size: 178 x 126mm

Champagne, Chocolate & Rose Hamper, at MarksandSpencer
An indulgent basket of goodies that will make anyone feel on top of the world: includes a bottle of champagne, a box of luxury belgian chocolates and a gift-wrapped cream rose plant Available for delivery from 1st April to 30th September 2009

4 Lemon Soufflés, at Marks and Spencer
Order by 5pm to collect in 5 days 4 Souffls Serves 4 Not suitable for nut allergy sufferers 4 x 80g Available for collection in the majority of our UK mainland stores As featured on page 47 in the food to order brochure

Ribbed Thermal Leggings, at Marks n Spencer
Soft, warm and cosy, these ribbed thermal leggings are designed to give comfy insulation, perfect for chilly weather

Blue Harbour Short Sleeve Multi Grid Check Shirt, at Marks & Spenser
A fashionable look without the fuss. This multi grid check shirt is quick and easy to iron

T397799, at Marks n Spencer
Manufacturer: Marks & Spencer

Pacific 2 Seater Sofa, at Marks and Spencer
H90 x W136 x D90cm Seat H50cm, arm H68cm, top back rail H67cm Seat cushions made from Quallofil Extralife filling. Click here for more information on Quallofil Extralife Other cushions made from polyester fibre All cushions are reversible Cushion covers can be removed Pine feet with a light finish This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Ceriso Styled French Maid Stripe Underwired Bra, at Marks & Spencer
Feminine and fashionable, this modern bra is beautifully detailed with lace trim and rose feature. It's underwired for extra support and the padded plunge style gives a fabulous enhanced cleavage. Designed for women who want the latest look

M&S Table Top Electric Can Opener, at Marks and Spencer
60 watt Opens all sizes of cans Lid-retaining magnet for safe disposal Cord storage White and stainless steel finish, Manufacturer: Marks & Spencer

Faux Crocodile Skin Double Handle Bag, at Mark's & Spencer
Stylish and useful, this double handle bag features faux crocodile skin. A practical and fashionable accessory

Medium Value Soft Leaf Print Rollercase, at Marks & Spencer
Capable of expanding to provide an extra 20% of luggage space, a tough, hardwearing fabric and fitted padlock for extra security helps ensure your peace of mind while on the move

Portfolio Cotton Rich Straight Leg Jeans, at Marks & Spensers
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

Autograph Wool Blend Plain Black Waistcoat, at Marks & Spensers
Add this finely tailored Autograph waistcoat to your formal wear for an extra touch of style and refinement

Per Una Pure Cotton Double Breasted Corduroy Jacket, at Marks & Spencers
A smart double breasted jacket in pure soft cotton, featuring long sleeves and side pockets

Besides Marks and Spencers Motor Insurance, M&S Money Direct Credit Cards and other financial products, M&S Money Direct Home 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 Home Insurance and Standard Home 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.