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 Household 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 Household 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 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 and 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 Direct, you get more, and you pay less.

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 Household Insurance and Car Insurance, there's a lot more going on at Marks & Spensers 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."

5 Younger Girls' Pure Cotton Plain Shorts, at Mark & Spencers
Stock up on stylish essentials with this 5 pack of pure cotton shorts which feature a cute centre bow

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

Pure Cotton Velvet Table Runner, at Marks & Spencers
Drop chain design Dimensions: L230 x W33cm, Manufacturer: Marks & Spencer

Anti Allergy 4.5 Tog Duvet, at Marks & Spensers
4.5 Tog Proven defence against dust mite allergies Endorsed by the British Allergy Foundation, Manufacturer: Marks & Spencer

Dress Up Best Friends Activity Book, at Marks and Spencer
Open this book and find four new friends inside, all waiting to meet you. Choose stickers to dress them in gorgeous clothes and fun accessories and join in with plenty of giggly, girly fun! With over 300 stickers and extra activities, little girls will love this Dolly dressing sticker book

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

Luxury Long Sleeve Multi Stripe Shirt with Silk, at Marks and Spencers
The superior quality, cut and detailing on this luxurious cotton and silk shirt are inspired by Jermyn Street tailors. A sophisticated style with a great fit

Younger Boys' Wrap Around Sunglasses, at Marks & Spensers
Fashionable and fab, these wrap around sunglasses give 100% UV protection for safer style in the sun

Classic Bed Stool, at Marks and Spenser
H47 x W74 x D99cm (extends to L215cm) Top of stool is removeable and bed folds out from within. Click here to view bed Top cushion of stool made from polyester fibre Foam mattress for occasional use Mattress dimensions: L178 x W61 x D5cm Both stool and bed rest on glides Free swatch samples: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Seams and pattern match on fabrics - Please note that the images of fabrics displayed here are overlaid onto models. These images act as a guide and may not be representative of the finished product. Seams and pattern match may differ from what is shown This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Handheld Parmesan Grater, at Marks&Spencer
Grip handle Wide plate L23.5cm, Manufacturer: Marks & Spencer

Abbey Storage Footstool, at M&S
H51 x W76 x D76cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Top cushion lifts to reveal storage space inside the stool. Click here to view the storage space 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 samples: 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

2 Pure Cotton Assorted Leggings, at Mark's & Spencer
Cute and comfy, these practical leggings are made from soft cotton and feature assorted designs. A great value pack

Cotton Rich Fairy Work Pyjamas, at Marks & Spencer
Fun and fashionable, these comfy cotton rich pyjamas feature a fairy design

Sunny Town People Set, at Marks & Spencers
4 sunny town people and dog Promotes imaginative play Suitable for ages 12+ months This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Small Cheetah Soft Toy, at Marks & Spencers
Suitable for ages 0-3yrs H15cm This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Autograph Blush Bath Cream, at Marks & Spensers
Bath cream 200ml

Perfect Limited Collection Buckle Boots, at M&S
Round toe Top and ankle buckle feature Stitch detail Heel height: 51mms Comes in sizes 3-8, including half sizes

Maxim Salad Bowl, at M&S
Versatile fine dining range Pure white porcelain Suitable for everyday use Makes an ideal gift Diam 16cm, Manufacturer: Marks & Spencer

Sprung-Edge 4-Drawer Divan & Autograph M500 Zip & Link Mattress, at Marks and Spencer
No turn mattress: medium / firm tension Mattress and divan are anti-allergy Mattress: spring count 1225, depth 27.5cm Divan height: 41.5cm Divan drawer size: 4 x large H15 x W78.4 x D53cm Single 3ft: W90 x L190cm (has 2 large right- or left-hand drawers) Double 4ft6: W135 x L190cm King size 5ft: W150 x L200cm Super king size 6ft: W180 x L200cm This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer, Manufacturer: Marks & Spencer

Handcrafted Valentine's Kisses Bulldog Valentine Card, at Marks & Spenser
Cover Text: Valentine kisses Inside message: Just for you xxx This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

Autograph Firm Control Chevron Stripe Multiway Body, at Marks & Spencers
Look slimmer in seconds! This firm control body gently shapes your figure all over for a smoother, sleeker silhouette. The versatile multiway style can be worn strapless, halterneck, cross back or one-shoulder

Text Squares Dad Birthday Card, at Marks & Spenser
Cover text: Happy birthday dad Inside message: With love on your special day Approx size: 230 x 114mm

Tab Front Pleat Knee Length Skirt, at Marks & Spenser
Sleek and chic, this skirt is tailored to fit and flatter. A stylish choice for work or smart occasions and it's machine washable for added convenience

Hastings 6-Drawer Chest, at Marks and Spencers
H137 x W54 x D44cm 6 drawers Crafted predominantly from solid pine and fibreboard 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

Long Sleeve Zip-Up Hooded Jacket, at Marks n Spencer
Cute and cosy, this hooded jacket is made from soft fabric to keep him feeling comfy. Part of our fabulously stylish Limited Collection

Classic Collection Pull-On Jeans, at Mark & Spencers
Perfect for a host of formal occasions, achieve an elegant look in these smart trousers. Featuring a straight leg cut and belt detail, just add a sleek top and courts to create a simply stunning silhouette

M&S Hand Mixer, at Marks and Spencers
8 speeds Turbo function 300 watt 2 dough hooks 2 beaters Stainless steel body Dimensions: H19 x W9 x D15cm 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

Sherbets Wedding Text Card, at Marks & Spensers
Cover text: Wedding Inside message: With 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

Blue Harbour Pure Cotton Button Down Oxford Shirt, at Marks and Spencers
Relaxed and stylish, this long sleeve shirt is made from pure cotton, so it feels soft and comfortable to wear

Knitted Hooded Glove, at Marks n Spencer
Keep out the cold in style and comfort with these flattering soft stretchy jersey gloves finished with hooded detail

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 Marks and 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, Household Insurance policies. Usually, UK Household 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 Household 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 Household Insurance than you will anywhere else, and you may even pay less with M&S.