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 Buildings 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 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.

When you're shopping at Marks n Spencer online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M&S Money Direct. Offering everything from savings accounts and credit cards, to Buildings Insurance and Motor Insurance, there's a lot more going on at Marks and Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Money Direct. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M&S Money Direct, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Money Direct website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."

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

Hand Made Son Letters Birthday Card, at Marks & Spencers
Cover text: To a very special Son on his birthday Inside message: Have a great day! Approx size: 150 x 150mm

Almond Toe Elastic Panel Knee High Boots, at M&S
Almond toe Stitch detail Zip fastening Gusset feature Knee high Mid heel Heel height: 56mm Comes in sizes 3-8, including half size

Pure Wool Single Breasted 1 Button Jacket, at M+S
Hours of handcrafting have gone into this superior quality suit for authentic tailored style. Every detail has been carefully considered to give a luxurious look and feel

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

T345623C, at Marks and Spenser
Manufacturer: Marks & Spencer

3 Piece Stainless Steel Saucepan Set, at M&S
3 pan set Glass lids 16cm saucepan - 1.3 litre capacity 18cm saucepan - 2 litre capacity 20cm saucepan - 2.7 litre capacity Riveted handles Encapsulated base for even heat distribution Suitable for all cooker and hob types, except induction. Not suitable for induction hobs, Manufacturer: Marks & Spencer

Icon Letters Mum Birthday Card, at Marks and Spencer
Cover text: Mum Inside message: With love and kisses This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

3/4 Sleeve Longline Bib Tunic, at Marks & Spenser
Pretty and feminine, this longline tunic is made from softly draping stretch viscose for a fluid look. The pleated front adds a fashionable finishing touch

XBOX 360® Viva Piñata: Party Animals Game, at Marks and Spencer
Includes more than 40 mini games and a dozen foot races for players to compete against one another to collect candy and bonuses in exotic and hazard-filled locations Appealing to kids or those just young-at-heart, this unique social party game rewards and challenges all players regardless of their skill level Up to four players can play simultaneously 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

New 16GB Apple iPod touch, at Marks n Spencer
Holds up to 3,500 songs, 20,000 iPod-viewable photos, and 20 hours of video or some of each Genius feature finds the songs in your library that go great together and makes a Genius playlist for you Accelerometer - detects when you rotate it from portrait to landscape, then automatically changes the contents of the display 3.5-inch (diagonal) widescreen Multi-Touch display. 480-by-320-pixel resolution at 163 pixels per inch Ambient light sensor Built-in volume controls and speaker - Volume buttons built into the left side give you easy access to the most frequently used controls Built-in Wi-Fi - Surf the web and view your email Cover Flow - flip through your album art Play games with stunning 3D graphics. Tilt, move, and play accelerometer-inspired games. Use Multi-Touch to give you precise, fingertip control over game elements. (games available separately) Contoured stainless steel design Built-in speaker - lets you hear the music, dialogue, and action without headphones, perfect for casual listening Nike + iPod support - Slip the Nike + iPod Sensor (available separately) into your Nike+ shoe and start your run. The sensor communicates wirelessly with your iPod touch, tracking your time, distance, and calories burned. It even gives you voice feedback on your progress. Works with new cardio equipment available in many fitness centres Dimensions: H11 x W6.2 x D0.8cm Weight: 115 grams For Mac and Windows. Requires Windows Vista or Windows XP Home or Professional or Mac OS X v10.4.11 or later Built-in rechargeable lithium ion battery capable of up to 36 hours of audio playback or 6 hours of video playback In the box: iPod touch, Polishing cloth, earphones, USB 2.0 cable, dock adaptor, Quick Start guide TM and 2008 Apple Inc. All rights reserved 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

Bamboo Bath Bridge, at M&S
Wooden design Approx size: H6.2 x W15 x L85cm, Manufacturer: Marks & Spencer

Pretty Floral Cushion With Recycled Filling, at Marks and Spencers
Jacquard cushion Square shape Floral and leaf design Size: 50cm x 50cm, Manufacturer: Marks & Spencer

Single Pleat Crease Resistant Trousers, at Marks and Spenser
Stay smarter for longer with these innovative crease resistant trousers

Sweet Bergamot Refresher & Burner Oil, at Marks and Spencers
Sweet bergamot fragrance 15ml, Manufacturer: Marks & Spencer

Collezione Pure Wool Single Breasted 3 Button Jacket, at Marks & Spencers
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Mother of Pearl Photo Frame 10 x 15cm (4 x 6''), at Mark's & Spencer
Brushed metal texture Rectangle shape Aperture: 10 x 15cm (4 x 6''), Manufacturer: Marks & Spencer

Rose & Freesia, at Mark's & Spencer
Internet ExclusiveThis sunny yellow and white bouquet echoes all the beauty and colour of spring with a fabulous selection of roses and freesias complimented by a scattering of ruscus Available for delivery from 1st April to 30th September 2009

Per Una Pure Cotton Corduroy Handbag with Charm, at Marks and Spenser
A heart shaped charm makes this fashionable bag even more special. Give your look the Per Una twist!

3 Pack Easycare Long Sleeve Shirts, at Marks & Spencer
Smart and stylish, this pack of 3 long sleeve easycare shirts is great value. An ideal choice for everyday wear

Cecily's Garden Foiled Anniversary Card, at Marks n Spencer
Cover text: Happy Anniversary Inside message: Lots of love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Natural Beauty Body Wash, at Marks & Spensers
Bath and Body wash Naturally fragranced Free from synthetic preservatives and colour 250ml

Graphic 30th Birthday Card, at Marks&Spencer
Approx. size: 150 x 150 mm Cover text: 30 happy birthday Inside message: Wishing you a great day

Big & Tall Flat Front Ribbed Trousers, at Marks and Spencer
The perfect choice for colder days, these smart trousers are made from warm, hardwearing fabric. Perfectly proportioned for big and tall men

Wraparound Sunglasses, at Marks and Spencer
Practical and fashionable, these wraparound sunglasses are designed in a flattering modern style

Collezione Double Buckle Luxury Briefcase, at M&S
Perfectly designed to meet your professional needs, this sleek briefcase is the ideal solution for keeping those important documents stored and organised

Dave Handmade 60 Card, at Marks & Spencer
Cover Text: Congratulations! 60 Inside message: happy birthday! Approx size: 125 x 177mm

Stainless Steel Skimmer, at Marks & Spenser
Hanging loop Stainless steel design Slotted, Manufacturer: Marks & Spencer

Cotton Stick Floor Lamp, at Marks and Spencer
Square shade Tall stem Square base H136 x D30cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Gascogne Cuvée Spéciale 2008 - Case of 12, at Marks & Spencer
Style: Dry Grape variety: Colombard and Ugni Blanc Country of origin: France Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 11.5% vol. Alcohol units per bottle: 8.6 Alcohol units per 125ml: 1.4 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Kitchen Island & Granite Top Set, at Marks & Spencers
H90.5 x W100 x D80cm 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

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 Spencers are so useful. M&S Money Direct financial products are, of course, designed to make Mark & 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, Buildings Insurance policies. Usually, UK Buildings 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 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 Insurance than you will anywhere else, and you may even pay less with M&S.