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

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.

There are lots of ways to save money using M&S Money Direct. Not least of these is Marks & Spencer Standard Motor Insurance. With M&S Money Direct you can keep the cost of your Motor 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 Motor Insurance cover from M&S Money Direct, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & Spensers, 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 Motor Insurance from M&S Money, you get more, and you pay less.

Coloured Glass Collection - Bud Bullet Vase, at Marks n Spencer
H23.5cm, Manufacturer: Marks & Spencer

Ceriso Styled Floral Embroidered Thong, at Marks and Spencer
Elegant and stylish, this modern thong features floral embroidery and a lace trim. It fits and drapes beautifully and feels blissfully comfortable to wear. Feminine everyday lingerie

Autograph Pure Cotton Stripe Roll Sleeve Shirt, at Marks & Spencers
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Autograph Double Buckle Leather Holdall, at Marks & Spencer
Stylish and contemporary, this leather holdall features double buckle detail. A fashionable and practical must-have

Linen Blend Ribbon Embroidered Vest, at Mark's & Spencer
Bring some casual elegance to your wardrobe, with this woven vest that features ribbon embroidery making this top irresistibly stylish

Grow Your Own Vegetables, at Marks and Spencers
This kit contains everything you need to grow your own great tasting vegetables at home or on your allotment.

Schoolwear Plus Fit Stain Defence™ Non-Iron Trousers With Stormwear™, at Marks & Spencers
These larger sized trousers are treated with Stain Defence™ and Stormwear™ technologies, so they repel water and stains. They're non-iron for convenience - for best results, machine wash, tumble dry and hang straight away View Plus Schoolwear Size Guide. Find out more

Machine Washable & Tumble Dry Single Breasted 3 Button Plain Jacket, at Marks and Spencer
Put an end to tiresome trips to the dry cleaners. Our range of machine washable and tumble dry suits combine the best in convenience and contemporary style

Moulded Lace Multiway Bra, at Marks and Spencer
This versatile bra can be worn 5 ways: conventionally, halterneck, cross back, strapless and one shoulder. Designed for a comfortable flattering fit, secure support and great flexibility

In Bloom Rose & Amber Fragranced Candle, at Mark & Spencers
Rose and amber fragrance Burns upto 20 hours, Manufacturer: Marks & Spencer

Soft Vanilla Pot Pourri Bag, at Marks&Spencer
Vanilla scented assortment, Manufacturer: Marks & Spencer

Handcrafted Religious Laser Cut Cross Easter Card, at Marks & Spencers
Cover text: An Easter prayer for peace and hope, especially for you - may all the joy that springtime brings, last for the whole year through Inside message: blank for your own message Approx size: 230 x 114mm

Furry Mane Lion Birthday Card, at Mark's & Spencer
Cover text: It's your birthday! Hope it's "gr-r-r-reat!" 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: 175 x 127mm

Non-Iron Cotton Blend Long Sleeve Stripe Shirt, at Marks and Spencer
Smart and innovative, this easycare shirt has a special finish on the fabric and is cleverly constructed to make it non-iron. A great time saver, ideal for work wear

Portfolio Sleeveless Leapord Print Dress, at Marks and Spencers
Chic and contemporary, this sleeveless dress features a leapord print. A fabulous fashionable look

Walkmates Tramline Sporty Trainers, at Marks and Spencer
Click here for more information on Walkmates shoes Tramline detail Riptape fastening Flat sole

5 Cotton Rich Floral Embroidered High Leg Knickers, at Marks n Spencer
Add a delightfully feminine touch to your everyday underwear drawer with the floral embroidery incorporated into these great value knickers. A high leg and cotton rich weave provides flattering, easy to care for comfort

Limited Collection Vintage Dove Cluster Necklace, at Marks & Spencer
Clasp fastening Adjustable length Dove cluster pendant Ball detail Necklace length 45cm, extendable by 8cm

Limited Collection Cropped Leggings, at Marks&Spencer
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Scattered Star Print Umbrella, at Marks & Spenser
Brighten up rainy days with this colourful lightweight umbrella

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

4 Pairs of Cotton Rich Contrast Heel & Toe Socks, at Marks & Spencer
Soft and comfortable, these cotton rich socks are naturally breathable and absorbent, keeping feet dry and comfy. A reinforced heel and toe gives extra durability

Relaxed Pure Cotton V-Neck Pyjama T-Shirt, at Marks & Spencer
Soft and comfortable, this cotton pyjama t-shirt can be worn with a number of our pyjama bottoms and shorts to create your own style

Aldea Red 2008 - Case of 12, at Marks & Spencers
Country of origin: Spain Closure: Screw cap Suitable for vegetarians and vegans Bottle: 12 x 75cl Alcohol by volume: 12% Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites This product is not available for international delivery. Find out more

Cross Over Bodyshaper Swimsuit, at Mark's & Spencer
Fabulously fashionable, this stylish swimsuit shapes and smoothes your figure, giving you a flattering fit. Make a splash!

Blue Ribbon and Dove Confirmation Card, at Marks and Spenser
Cover Text: A wish for your confirmation Inside Message: Blank for your own message Approx Size: 174 mm x 126 mm

Côte Rôtie 2006 - Case of 6, at Marks n Spencer
Style: Full bodied Grape variety: Syrah Country of origin: France Closure: Natural cork 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

Dave's Celebration Goal Birthday Card, at Marks and Spencer
Cover Text: Happy 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: 178 x 126mm

Autograph Addison Console Table, at Marks and Spencer
H80 x W110 x D40cm With 2 drawers Made from American Black Walnut solids and veneers, with Beech veneer on unseen faces Finished with 2 coats of durable, clear lacquer of mid sheen Drawer pulls are solid wood due to their shape 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

White Spiky Flower Birthday Card, at Marks & Spencer
Cover text: Happy Birthday Inside message: Blank for your own message Approx size: 175 x 125mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

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 & 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.