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.

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 Mark & Spencers 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.

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 Mark & Spencers are so useful. M&S Money Direct financial products are, of course, designed to make MarksandSpencer 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.

M300 Mattress - Medium, at M & S
Single (3ft): W90 x L190cm Double (4ft 6in): W135 x L190cm King Size (5ft): W150 x L200cm Super King Size (6ft): W180 x L200cm Mattress depth: 24cm Filling made from resilient foam and polyester fibre Reinforced side stitching gives greater edge support Individually pocketed springs Spring Count: 896 Anti-allergy protected for the life of the mattress Does not require turning 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

Diamanté Flowers Niece Card, at MarksandSpencer
Cover text: Happy birthday to a lovely niece Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150mm x 150mm

Classic Thinking of You Card, at Marks and Spencer
Cover text: Thinking of You Inside message: During this difficult time Approx size: 175 x 127mm

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

Fairtrade Pure Cotton Crew Neck Top, at Marks and Spencer
Look below to see a video clip about Fairtrade Fairtrade certification shows that suppliers have been paid a fair price for their products and their work. Buying Fairtrade helps support farmers in developing countries and their communities

M&S Juicer, at Mark's & Spencer
1 litre capacity 30 watt Removable & washable filter Transparent plastic body Cord storage Dimensions: H32cm 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

Collezione Wool Rich Single Breasted Pindot Check Jacket, at Marks and Spencer
This smart jacket adds a classic touch of style to trousers or jeans. Made from wool with linen, it'll be a wardrobe staple for many seasons to come

Floral Short Sleeve Frill Blouse, at Marks & Spenser
A fabulous round open neck blouse featuring a ruffle front and floral detail. The tie belt make it extra stylish

6 Lilac Hand Finished Floral Multipack of Cards, at M+S
Cover Text: Both designs blank Inside Message: Blank for your own message 6 cards, 2 designs Approx size: 200 x 80 mm

Long Length Cable Knit Cardigan & Pure Cotton Jersey Top, at Marks & Spencers
Modern and pretty, this long length cable knit cardigan and pure cotton spot print jersey top look fabulously fashionable worn together or separately

Cotton Rich Double Button Wide Leg Jeans, at Marks and Spencers
Fluid and feminine, these wide leg jeans sit comfortably on the waist and are cut to fit and flatter, giving an elegant silhouette. Added stretch gives the perfect fit

Mini Limited Long Sleeve V-Neck Top, at Marks and Spenser
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering

Silver Plated Pave Ball Ring, at Marks&Spencer
Large ball design

I Love Sugar Recipe Book, at M&S
Over 100 easy-to-follow recipes for all manner of sweet treats. Each illustrated with a beautiful colour photograph of the finished dish. Handy square format

Pure Cotton Long Sleeve Hooded Top, at Marks and Spenser
Soft, snug and comfy, this cotton top is outstanding value. It features a hood. Fashionable and practical

Autograph Oval Mirror, at Marks and Spencer
Freestanding Stainless steel Oval shape Bevelled edges Tilt base with handle - no need to touch the mirror This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

3 Pure Cotton Long Sleeve Assorted Tops, at Marks and Spencer
Fun and practical, this pack of 3 tops is great value. The soft cotton fabric will keep him comfy and happy

Per Una Pure Cotton 3/4 Length Sleeve Check Pyjamas, at Marks & Spencer
Modern and feminine, these pretty check pyjamas are made from soft pure cotton. So you can relax in comfort and style. Part of Per Una's sleepwear collection

Summer Manor Cup & Saucer, at MarksandSpencer
2 part set Floral design, Manufacturer: Marks & Spencer

Petite Cotton Rich Long Sleeve Shirt, at M&S
Smart and stylish, this long sleeve shirt is made from stretch cotton for a flattering and fashionable fit. Specially designed and perfectly proportioned for the petite frame

Abalone Butterfly Pendant Necklace, at Marks and Spencer
Clasp fastening Butterfly pendant Abalone detail

Autograph Pure Cotton Hooded Zip Fastening Top, at Marks and Spencers
Fashionable and contemporary, this hooded top is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail makes it exceptionally stylish and comfortable

5 Cotton Rich Big Spot Print Shorts, at Marks & Spenser
These big spot low rise cotton rich shorts are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Limited Collection Contrast Handle Tote Bag, at Marks & Spensers
Get bags of style! This tote handbag is a fabulous fashionable accessory. Handy compartments make it useful and practical too

Autograph Pure Cotton Embroidered Dress & Knickers Outfit, at Marks & Spenser
Fashionable and practical, this cute dress and knicker 2-piece outfit features a pretty floral embroidered design. It's made from soft cotton to keep her comfortable and happy. With luxury in every detail, this is part of our exclusive Autograph collection

Limited Collection Geo Beaded Hipster Bikini Bottoms, at Marks n Spencer
Smooth and sleek, these glamorous stylish bikini bottoms is designed in a fabulous flattering shape and detailed with a bead trim. A stylish, shapely look

Click Blu-ray DVD, at Marks & Spenser
Rating Suitable for 12 years and over,

DeLonghi Icona Toaster - Stainless Steel, at Marks and Spencers
Power 1.8kW 4 slice toaster Electronic controls: reheat, defrost, bagel and cancel 2 toasting slots operate independently All functions with neon indicator Hi-rise facility - extra 20mm lift for removing toast Variable browning controls Extra deep crumb tray Non-slip feet This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Portfolio Quilted Shopper Bag, at Mark & Spencers
Stylish and useful, this shopper bag features quilted design. A practical and fashionable accessory

Maxim Tea Plate, at Marks and Spencers
Plain white porcelain Suitable for everyday use Versatile fine dining range Makes an ideal gift Diam 16cm, Manufacturer: Marks & Spencer

MarksandSpencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings & Contents Insurance or Car Insurance, but M&S 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 & Spencers 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 Buildings & Contents 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 (Buildings & Contents 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 Marks and Spencer insurance products in document format too.