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 & Contents 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 & Contents 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 and Spencer are so useful. M&S Money Direct financial products are, of course, designed to make Marks & Spensers 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 & Contents Insurance policies. Usually, UK Buildings & Contents 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 & Contents 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 & Contents 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 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, 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 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.

Play Toaster, at Marks and Spencers
Suitable for ages 3+ years Includes 2 pieces of 'toast' Movable dial and lever Height: 25cm This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Pure Cotton Block Stripe Cover Up Beach Dress, at Marks & Spencer
Modern and stylish, this flattering beach dress is designed in the latest shape. A fabulous fashionable look

Leather Bin, at Marks & Spencers
Elegant waste bin Broad base Circular design H22.5cm x W22.5cm x D29cm, Manufacturer: Marks & Spencer

Kitchen Tall Storage Unit, at Mark & Spencers
H177 x W50 x D60cm Some self-assembly required. Delivered boxed to your door. You will need to unpack, assemble and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Classic Collection Stripe Trousers, at Marks and Spencer
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

iPod Classic Leather Flip Case, at Marks n Spencer
Flip Case for iPod classic, the stylish leather case also features a handy popper fastening attachment allowing you to have easy access to your iPod. The leather case with its quality stitching protects your iPod in style. Compatible with all Apple iPod classics

Blue Harbour Mini Check Shirt, at Marks & Spencers
A fashionable look without the fuss. This mini check shirt is quick and easy to iron

Suede Sprung-Edge Non-Storage Divan & Autograph M500 Mattress - Firm, at Marks n 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 L90cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): W180 x L200cm Mattress depth: 27.5cm Divan height: 41cm Mattress is entirely handmade Individually pocketed springs Mattress features deep pillowtop layer containing high quality fillings of cashmere, silk and super-soft reflex foam Two further layers of cotton and polyester underneath the pillowtop layer Double row of hand side-stitching to add support to the edges of the mattress Mattress Spring Count: 1225 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

M&S 1.5m High Performance Flat Gold Scart Cable, at Marks and Spencer
1.5 metre flat cable 24 carat gold connections Titanium finished plugs Multiple shielding for minimum interference 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

Pure Cotton Short Sleeve Plain Shirt, at Marks and Spencer
Stylish and innovative, this easycare short sleeve shirt is quick and easy to iron for a smart crisp look

Autograph Lace Trim Underwired Slip, at Marks and Spencers
Designed to enhance the look of your dresses, this cling resistant slip gives a smooth silhouette. It incorporates a back-fastening bra which gives all the support and uplift of a regular bra. Beautiful exclusive lingerie

Pink Glitter Stripe Medium Gift Bag, at Marks and Spencer
1 gift bag Approx size: H260 x W200 x D90mm

Big & Tall Pure Cotton Spot Pyjamas, at Marks & Spencer
Soft and breathable, pure cotton pyjamas are the natural choice for a comfortable night's sleep

Stainless Steel Roaster, at Marks&Spencer
L34 x W24 x D6cm Oven safe up to 250C Double handle Rectangle shaped, Manufacturer: Marks & Spencer

5 Younger Girls' Pure Cotton Scallop Trim Vests, at Marks and Spencers
Stock up on stylish essentials with this 5 pack of cotton vests

3 °Climate Control Cotton Rich Hipsters, at Marks and Spencers
Climate control keeps you cool when you're hot and warms you up when you're cold so you're always at your optimum temperature. Exclusive to M&S, Climate control clothing is comfortable and breathable - ideal for sportswear. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Griffin 6293-ITWAVBG AeroSport for iPod Nano 4G, at Marks & Spenser
Griffin's AeroSport Armband is the ideal (quite possibly perfect) combination of wear-all-day comfort and features that runners, walkers and athletes of every stripe demand. We start with a light, silky, flexible armband of super-wicking stretch fabric, cut wide so it stays put comfortably. Adjust to fit your arm, then clip the iPod case itself on to the band. Full screen protection for your iPod also allows you complete control

Cool Soft Cotton 3.0 Tog Duvet, at Marks and Spencers
3.0 tog Naturally breathable, keeping your body refreshed Pure cotton cover and filling Available in Single, Double, King size and Super King size, Manufacturer: Marks & Spencer

2 Lichfield Vertical Slat-Back Chairs, at Marks and Spencer
H102 x W46 x D60cm Seat: H50cm Leather seat pad Sold as a pair Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Chair frames made from solid European hardwood 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 Lichfield Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Graduating Tone Sunglasses, at Marks & Spencer
Simple and unassuming, these universally flattering sunglasses combine a graduated colour frame with a full tinted lens

Sennen 12-Piece Dinner Set - Blue, at MarksandSpencer
12-piece set Includes 4 dinner plates, 4 side plates and 4 bowls Dinner plate: Diam 28cm Side plate: Diam 21cm Bowl: Diam 14cm Suitable for everyday use, Manufacturer: Marks & Spencer

Sonoma 3 Door Sideboard & Glass Top Unit Set, at Mark & Spencers
3-door glazed top unit: H110 x W178 x D33cm 3-drawer sideboard: H88 x W178 x D50cm 3 cupboards each with a adjustable shelf 6 adjustable glass shelves Shelves made from safety-tested toughened glass Made from solid oak and oak veneer Solid oak end grain detail This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Drawer boxes and fronts made from solid Oak. Drawer bottoms made from White Oak veneer Handles made from solid wood Side and back made from White Oak veneer Top panel is veneered with 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. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Multi Bead Hoop Earrings, at Marks & Spencers
Hook fastening Drop style Mixed beads

Single Breasted 1 Button Angled Pleat Jacket, at Marks n Spencer
Chic and stylish, this jacket is tailored to fit and flatter. A great choice for work or smart occasions and it's machine washable for added convenience

Easy Curries, at Marks & Spencers
A great collection of simple and delicious easy-to-make recipes from across the globe guaranteed to get the taste buds going

Oriental Flower Gift Card, at Marks and Spencers
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

Pure Cotton Contrast Trim Stripe Shirt, at Marks & Spencer
Smart and stylish, this stripe shirt is made from cool comfortable cotton and features contrast trim

Big & Tall Single Pleat Crease Resistant Trousers, at Marks and Spencer
No more trips to the drycleaners! These smart, fashionable trousers can be machine washed and tumble dried. Perfectly proportioned for big and tall men

Blue Harbour Pure Cotton Long Sleeve Stripe Shirt, at Marks & Spenser
Relaxed and stylish, this long sleeve stripe shirt is made from pure cotton so it feels soft and comfortable to wear

Ceriso Floral Print Brazilian Knickers, at Marks & Spenser
Flirty and feminine, these modern brazilians feature a floral print and centre bow. The low rise style gives a flattering, shapely fit, perfect for wearing with hipsters. Designed for women who want the latest look

Besides Marks and Spenser Car Insurance, M&S Money Direct Credit Cards and other financial products, M&S Money Direct Buildings & Contents 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 Spenser purchases are also protected while you take them home.

Also, on both M&S Money Direct Premier Buildings & Contents Insurance and Standard Buildings & Contents 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.