M+S may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Car Insurance, but Mark & Spensers 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, 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.

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

Philips Rechargeable Sonic Toothbrush, at Marks and Spenser
Standard mode for superior cleaning Gentle yet thorough cleaning for sensitive teeth and gums 2 minutes of Clean mode, with 30 seconds of White mode Smartimer: 2-min. timer helps to ensure recommended brushing Speed: 31,000 brush strokes per minute Battery type: Lithium Ion rechargeable battery Operating time (full to empty): Fully charged should provide 20 2-min. brushings 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

Little Me Crafts Pack, at Marks and Spencers
Creative kids will love this fun crafts pack with 15 crafts to make, decorate and share

Pure Leather Patent Oval Buckle Belt, at Marks and Spencer
Add a smart finishing touch with this leather patent finish oval buckle belt

Hard-top Non-Storage Divan & F200 Mattress, at Marks and Spencers
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: 41cm Individually pocketed springs Deep layer of memory foam Mattress Spring Count: 930 Hard-top divan rigid, unsprung frame gives a firmer feel. Recommended for use with selected mattresses 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

Sony NAS-C5E Gigajuke™ Wireless Music Station, at Marks & Spensers
Additional Wireless Unit for Sony Gigajuke: Wireless LAN built in for easy connection to the Sony Gigajuke Music Server Display: Enjoy full control of server content from the 2.5'' 6 line full dot display Sound: Wooden cabinet for natural Hi-Fi sound. Long stroke duct for powerful bass sound Playlists: x-DJ automatically creates themed playlists for any occasion Music Surfin': Use Music Surfin' to sort through tracks at the touch of a button. Pull songs from the same artist Radio: Enjoy thousands of stations through LIVE365 Internet radio 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 5 Pocket Jeans, at Marks & Spencer
A great pair of jeans always looks stylish. These straight leg jeans in pure cotton feature multiple pockets. Fashionable, practical and easycare

Maxim Square Dip Bowl, at Marks & Spencers
Versatile fine dining range Suitable for everyday use Pure white porcelain L9 x W9cm, Manufacturer: Marks & Spencer

Portfolio Multi Strand Safari Necklace, at Marks & Spencers
Clasp fastening Adjustable length Multi strand Mixed bead design Necklace length 50cm, extendable by 8cm

Congratulations Bar Cake, at Marks & Spencer
36 portions Sponge Cake: All-butter sponge filled with buttercream and raspberry jam. Can be eaten up to 5 days after collection Cake size: 16 x 33cm 2.4kg total weight Not suitable for nut allergy sufferers As featured on page 67 of the Food to Order brochure Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

Per Una 3/4 Sleeve Tile Print Dress with Wool, at Mark's & Spencer
A pretty 3/4 sleeve dress featuring a tile print and back tie feature

Peppa's Space Trip & Teddy's Day Out Book, at Marks and Spencers
Join Peppa and friends as they take a trip all the way into outer space. This colourful and fun story book is sure to grab your kids' imagination

Pure Cotton 3/4 Sleeve Check Top, at M+S
Smart and stylish, this 3/4 sleeve top is made from cool comfortable cotton and features a check design

3-Piece Cream Aluminium Saucepan Set, at Marks and Spencer
Small: Diam 16cm. 1.86-litre capacity Medium: Diam18cm. 2.8-litre capacity Large: Diam 20cm. 3.75-litre capacity Includes glass lids, Manufacturer: Marks & Spencer

My First Rattle & Teether, at Marks and Spencer
Every baby needs a teether to soothe them as they grow. This brightly coloured key ring features 3 fun 'keys'; A for apple, B for bee and C for car! The 'keys' are textured for interest and variety and the key ring features a safe hook and loop attachment to secure the toy to a pram or highchair. With a fun melody and 'beep beep' noise at the press of a button, your child is sure to love this exclusive toy!

Metal Antlers Wall Art, at Marks and Spencers
Reindeer head Approx size: H37 x W32 x D17cm, Manufacturer: Marks & Spencer

Firm Control Sheer High Leg Briefs, at Marks and Spencers
Look slimmer in seconds! These firm control knickers gently flatten tummies for a sleeker, slimmer silhouette

Panasonic 50" TX-P50S10 Full HD Plasma TV, 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): Native 30,000:1, Dynamic 2,000,000:1 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: (Including stand) W121.8 x H81.4 x D40.1cm, (without stand) D121.8 x H76.9 x D10.5cm Weight: (with stand) 34kg, (without stand) 32kg V-Audio Surround: V-Audio delivers crystal-clear sound with superior bass performance 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: 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

Chunky Bead Necklace, at Marks&Spencer
Mixed bead design Ribbon necklace Tie fastening Necklace length: 122cm

Per Una 3/4 Sleeve Twist Pleat Cardigan, at Marks & Spencers
A fashionable 3/4 sleeve cardigan in textured fabric featuring a twist pleat design

Hoppy Birthday Frog Age 3 Birthday Card, at M&S
Cover text: Hoppy birthday! Inside message: Have a great day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Handcrafted Photographic Pugs, at Marks & Spensers
Cover Text: Valentine I'll still love you, even when you're covered in wrinkles Inside Message: Happy Valentine's Day Approx size: 178 x 127mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Airflex™ Stormwear™ Leather Gibson Shoes, at Marks and Spencer
Round toe Stitch detail Lace up 4 eyelets Block heel All upper seams treated with flexible sealant Expanding breathable and waterproof sole Stormwear™ technology repels water and stains Unique airflex™ airflow system for unbeatable comfort

Sprung-Edge Suede Divan with 4 Large Drawers & Autograph M500 Zip & Link Mattress, at Marks and Spencers
Mattress (6ft): W180 x L200 cm 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 Zip & Link allows you to combine different levels of firmness on the left and right sides of the mattress. The two sides of the mattress zip together, so you and your partner can choose between medium or firm support Spring count: 1225 Mattress unzips into 2 easier to fit into your home Pocket sprung mattresses give a flexible feel Sprung-Edge divan - can be used with any mattress 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

Gold Band Champagne Glass, at Marks and Spencers
Flute style Gold band Long stem Wide base Height: 27.5 cm Capacity: 14cl, Manufacturer: Marks & Spencer

Nintendo DS™i Console Black, at Marks and Spencers
Packed with features and thinner than ever: 12% thinner than the Nintendo DS Lite with a bigger, brighter 3.25" screen Two 0.3 megapixel cameras, Nintendo DSi enables you to manipulate the images you capture with 11 photo lenses and face recognition technology Nintendo DSi's enhanced sound system means your music collection sounds great with or without headphones Play with sound:Play music on your DS, experiment, record, create and play with sound using the DSi Sound application, while the ability to record voice samples through the built-in microphone then edit them to your heart's content adds another good reason to keep your Nintendo DSi by your side Take your music on the move with Nintendo DSi. By storing aac formatted music on SD cards Motion-activated gaming on the go: Interact with your games and console on the move like never before, with motion-detecting cameras to help you control future games on the console Access a world of new possibilities with Nintendo DSiWare. Available through the Nintendo DSi Shop, Nintendo DSiWare is downloadable content that includes everything from new themes to customise your Nintendo DSi with to unique games. Basic applications, such as the Nintendo DSi Browser can be downloaded for free, while other content can be purchased from the Nintendo DSi Shop in exchange for Nintendo DSi Points Play, share and enhance your DSi experience WiFi online: Download new games and applications from the DSi Shop from cartoon making to a free internet browser and challenge yourself online with DSi's improved connectivity The system can also play most Nintendo DS games, and will have access to a library of more than 850 titles Each DSi comes complete with: one Nintendo DSi System, two Nintendo DSi styluses, one Nintendo DSi AC power adapter, an easy start guide, manuals (basic and controls) and a support booklet Dimensions: W137 x L74.9 x D18.9mm Weight: Approx. 214g (with stylus) Battery specs: Rechargeable lithium ion battery pack, Minimum brightness setting: 9-14 Hrs, Low brightness setting: 8-12 Hrs, High brightness setting: 4-6 Hrs, Maximum brightness setting: 3-4 Hrs (times may vary depending on software) Charging time: Approx. 2 hours and 30 minutes 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

Silver Butterfly Slim Diary, at MarksandSpencer
Dimensions: 165 x 80mm

Medium Wine Glass, at Marks and Spencer
32cl H21.5cm, Manufacturer: Marks & Spencer

Skinny Bow Belt, at Marks n Spencer
Define your waistline with this fashionable skinny bow belt

Box Pleat Satin Belted Shirt, at Marks and Spenser
This fab short sleeve shirt features a stunning box pleat design. A sophisticated new look, perfect for this season

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

There are lots of ways to save money using M&S Money Direct. Not least of these is M&S Standard Car Insurance. With M&S Money Direct you can keep the cost of your Car Insurance down by choosing Standard cover, over Premier Cover. UK Vehicle can then be added to your policy as optional extras, if you wanted to.

If you're thinking of adding both Breakdown Cover and Motor Legal Protection, then it would cost less to upgrade to Premier Car Insurance cover from M&S Money Direct, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks & Spencer, and these include: Courtesy car (subject to availability); Loss, theft, damage and destruction of vehicle; Loss or damage to personal property in vehicle; Personal accident cover up to £10,000; Windscreen cover (£75 excess); a 24 hour claims service, and many other options as standard on each policy. In short, with Car Insurance from M+S Money, you get more, and you pay less.