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 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.

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&Spencer 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.

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks and Spencer once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks n Spencer, through its M&S Money Direct website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Buildings Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Blue Harbour Pure Linen Short Sleeve Shirt, at Marks and Spencers
Relaxed and stylish, this short shirt is cut for a great fit. It's made from pure linen so it feels cool and comfortable to wear

XBOX 360® Halo® 3 Game, at Marks & Spencers
The thrilling conclusion to the epic Halo trilogy Next-generation high-definition visuals, enhanced A.I., an advanced real-time lighting engine, and new weapons, characters, and challenges are just a few examples of Halo 3's evolution of design and technology 4 player split-screen and system-link gameplay, letting gamers battle it out online, via Xbox LIVE or with a group of friends Record and save a memorable match and watch it again from any angle or player viewpoint. A simple press of a button saves the entire game to a file sharing area where players can watch favourite films and recommend them to friends Create and customise a variety of content that can be shared with anyone around the world who is connected to Xbox LIVE You must be 15 years of age or over to purchase this product 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

Cool Soft Cotton Pillow Protector, at Marks and Spencer
Quilted design Naturally breathable, Manufacturer: Marks & Spencer

7 Pure Cotton Assorted Bodysuits, at Marks and Spencers
Soft fabrics, fashionable designs and cute finishing touches make our babywear range outstanding. These high quality, great value bodysuits are designed to keep baby looking adorable and feeling comfy and happy

Per Una Cotton Rich Hooded Dressing Gown, at Marks and Spencers
Modern and feminine, this pretty hooded dressing gown is made from soft cotton rich fabric so you can relax in comfort and style. Part of Per Una's sleepwear collection

M&S 10m Phone Extension Cable, at Marks & Spenser
10 mtrs Standard telephone fittings This product is not available for international delivery. Find out more 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

Plain Swimming Trunks, at Marks and Spencers
Perfect for holidays or school swimming lessons, these practical trunks are outstanding value

2 Non-Wired Padded Bras, at Marks & Spencer
Smooth and versatile, this padded bra is structured for secure support and an enhanced natural shape. Ideal for everyday wear

Tiny Fairy Presents Daughter Card, at Marks&Spencer
Cover text: Happy Birthday Daughter... You deserve a special day... To show that you're the loveliest girl... In every special way Inside message: Have a wonderful birthday! Approx size: 175 x 125mm

Autograph Cosmic Drop Earrings Made With CRYSTALLIZED™ - Swarovski Elements, at Marks and Spencer
Hook fastening Drop design Made with CRYSTALLIZED™ - Swarovski Elements

Plum Ombre Jacquard Bedset, at Marks & Spencer
Leaf jacquard pattern Single set includes single duvet cover (3ft) and 1 pillowcase Double set includes double duvet cover (4ft 6in)and 2 pillowcases King size includes king size duvet cover (5ft) and 2 pillowcases Super king size includes super king size duvet cover (6ft) and 2 pillowcases, Manufacturer: Marks & Spencer

Autograph Suede Punch Stitch Slip-On Shoes by Jeffery-West, at M&S
Square toe Slip-on Punch stitch detail Block heel

Faux Pearl Y Shape Necklace & Earrings Set, at Marks & Spencer
2 part set Y-shape necklace with clasp fastening Hook fastening drop earrings Faux pearl design Necklace length 43cm, extendable by 8cm

Handcrafted Dotty in Paris Valentine Card, at Marks & Spensers
Cover text: To my darling Valentine Inside message: Ooh! La la! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: Unfolded: 178 x 127mm

Sonoma Dark Triple Wardrobe & Bedside Chest Set, at Marks and Spencers
3 piece set Wardrobe: H200 x W130 x D65cm 1 hanging rail and 1 shelf behind double doors 1 hanging rail and 4 shelves behind single door 3 drawers Chests: H60 x W45 x D45cm Elongated wooden handles Drawer boxes and fronts made from solid hardwood. Drawer bottoms made from White Oak veneer Made from solid oak and oak veneer Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength Handles made from solid wood Legs made from solid hardwood Door frames made from solid wood. Door panels made from White Oak veneer 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 manufacturer's instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

M&S Scart Switcher, at Mark & Spencers
Plug 2 scart cables into TVs that have only 1 scart socket Button to switch between devices 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

Portfolio Abstract Print Skirt, at Marks & Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

My Friend Fashion Dressing Kit, at Marks and Spencer
Suitable for ages 3+ years Create totally trendy outfits for stylish girls Packaging transforms into cakewalk This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Blue Harbour Pure Cotton Double Stripe Polo Shirt, at Marks & Spensers
Stylishly smart casual, this polo shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Mesh Trim Full Cup Non-Wired Sports Bra, at Marks and Spencer
Offering the superior support and control you need for those high impact workouts. This sports bra sets the pace for essential comfort thanks to an easycare fabric and the shape retaining qualities of added stretch

Solid Spoon, at Marks and Spencers
Suitable for non-stick saucepans Hanging loop, Manufacturer: Marks & Spencer

Ashbourne 2-Seater Sofa, at M&S
H99 x W202 x D104cm Seat H49cm, arm H65, top back rail H75cm Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible seat cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Cricket Keyring, at Marks and Spencer
You'll never lose your keys again with this eye-catching keyring with it's cricket design

Jacquard Spot Non-Padded Underwired DD-G Bra, at Marks & Spencer
Soft and comfortable, this jacquard spot design bra is ideal for everyday wear. It's underwired and shaped for an uplifted natural look

Autograph Leather Round Toe Zebra Print Pumps, at Mark's & Spencer
Round toe Zebra print Slip-on Low heel Heel height: 15mm Comes in sizes 3-8, including half sizes

Small Chrome Case Clock, at Marks&Spencer
Simple design Quartz accuracy High shine chrome finish Metal case, glass lens Contemporary dial A quartz clock keeps time by the vibrations of a quartz crystal. It is judged to be the most accurate timepiece now on the market, losing or gaining only a minute a year, compared with one or two minutes a week for most other watches Case H20 x W20 x D4cm, Manufacturer: Marks & Spencer

Autograph Embroidered High Leg Knickers, at Marks & Spensers
Look slimmer in seconds! These light control knickers gently flatten tummies for a sleeker, slimmer silhouette

Autograph Pure Cashmere Polo Neck Jumper, at Marks and Spencers
Blissfully cosy, this roll neck jumper is made from pure cashmere for the ultimate in luxurious softness

Girls' Limited Pure Cotton Pocket Tunic, at Marks & Spencer
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Sony Bravia 40'' KDL-40V5500 HD Ready LCD TV, at Marks & Spencers
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: LCD Sony Bravia Engine 3 with a 40 inch viewable screen and a display resolution of 1920 x 1080 pixels Dynamic Contrast: 60000:1 Integrated Digital & Cable Tuner: Provides access to all Freeview™ channels and radio stations (subject to coverage) and is cable TV ready (with supported providers only) Dimensions: With table stand: W112.3 x H77.1 x D33cm, without table stand: W112.3 x H72.3 x D9.6cm Weight: weight inc. stand 27kg, weight without stand 23.5kg Dolby Virtual Surround and BBE Digital: Experience the effect of digital surround sound from only two front speakers with our advanced S-Force Front Surround technology Connectors: Digital Audio Output (optical) x 1, HDMI™ Inputs x 4, HDMI™ PC Signal Capability, PC Input (15pin D-Sub) + Audio In, Component Inputs x 1, Composite Video In x 1, 4 Pin (Y/C) In (S Video), USB 2.0 Input, MiniJack (Head/Earphone) 3.5mm, PCMCIA Card Slot, RCA Audio Out, Analogue Audio Inputs x 2, RF In, Scart Inputs (RGB) x 2, BRAVIA Sync, DLNA Ethernet (Video/Music/Photo), AppliCast™ BRAVIA Engine 3: Enjoy images with impressive depth and clarity, optimal contrast, vibrant colours and truer-to life tones with BRAVIA ENGINE 3 24p True Cinema: Shows images at 24 frames per second just like a real cinema screen Xross Media Bar: New Sony interface to enhance the operability and ease of use Picture Frame Mode: Not watching TV? Turn it into a digital photo frame to display your own pictures or the 6 pre-installed images BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount T042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Besides Marks & Spencers Car 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 MarksandSpencer 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.