When you're shopping at Marks & 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 Property 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."

M&S Money Direct offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor Insurance policies are much the same is usually a bad idea. At worst it can be a very expensive mistake - this is when you find out that your Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Money Direct Motor Insurance is not like that at all, and when you compare M&S Motor Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Marks & Spencer 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsbury's, or Tesco's:

• Personal UK and European Breakdown Cover automatically included
• Comprehensive cover for trips abroad in the European Union – up to 90 days per trip
• Courtesy car during approved repairs automatically included
• Cover for Motor Legal Protection automatically included

So, it is clear that, besides being good value, M&S Motor Insurance also provides much more extensive cover than some of the top competitors. Additionally, you don't even need to be behind the wheel to benefit from M&S Money Direct UK and European Breakdown Cover, since it covers you as a passenger too.

There are lots of ways to save money using M&S Money Direct. Not least of these is Marks & Spencers 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 & Spencers, 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.

2 Pure Cotton STAIN-AWAY™ Ruffle Pocket Polo Shirts, at Marks and Spencer
A great value 2-pack treated with STAIN-AWAY™, our unique high performance finish which helps prevent everyday stains, and makes them easy to wash out clean. It even works with ink blots!

5 Older Boys' Pure Cotton Plain Boxers, at Marks & Spencer
Comfortable, practical and fashionable, this 5 pack of boxers are made from soft breathable cotton

Maxim Large Jug, at Mark & Spensers
Plain Nibbed Single handle 1.5 litre capacity H14.5cm, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Mr Men Rugby Top, at Marks n Spencer
Fans of Mr Men will love this stripe cotton rugby top featuring Mr Happy. A practical, easycare style

Antique Brass Collection Side Table, at Marks & Spencer
H51 x W50 x D41cm Made from antique-effect solid brass tubing Legs made from antique-effect solid brass tubing Tops made from toughened glass Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself This product is not available for international delivery. Find out more SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Antique Brass Collection Set. , Manufacturer: Marks & Spencer

Pure Silk Floral Embroidered Tie, at Marks & Spencers
Add a luxurious finishing touch with this floral embroidered tie in pure silk

Pure Cotton Short Sleeve Stripe Polo Shirt, at Marks and Spencer
Made from soft cool cotton, this cute polo top will keep him feeling comfortable in hot weather

125 Years Luxury Pure Wool Stripe Trousers, at Marks n Spencer
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

Petite Straight Leg Jeans, at Marks n Spencer
A wardrobe essential at a great price, these straight leg jeans are outstanding value. Stock up on style!

Collezione Luxury Wool Rich Flat Front Trousers, at Marks & Spencers
Italian style is renowned for its attention to detail. Each collezione piece 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 these trousers to give you a feeling of luxury like no other

M&S 'Perfect A Putt' Putting Aid, at Marks and Spencer
Improve you ability to putt with this putting aid, aim towards the target as you would with a real hole and if the pace and direction of the putt is correct, the ball will push through the trapping system and will be retained. This is a great way to improve your putting technique when ever you have some time to spare

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

Autograph Pure Cotton Funnel Neck Moleskin Jacket, at Marks and Spencer
Contemporary styling and superior finishing makes this Autograph jacket a fashionable choice for this season

Cosmetic Pencil Sharpener, at Marks and Spencer
Cylindrical shape Compact design

Pure Merino Wool Mock Layer Jumper, at Marks & Spenser
Smart and stylish, this mock layer jumper is made from pure merino wool. It's luxuriously soft, warm, and fine but also hardwearing and easycare, making it a natural choice

Per Una 3/4 Sleeve Knitted Top, at Marks and Spencers
Comes with the neckalce shownA fashionable 3/4 sleeve knitted top featuring lace trim

Limited Collection Faux Fur Lined Boots, at Marks & Spenser
Round toe Stitch detail Pull on Faux fur lined

Handcrafted Black Dress Mother's Day Card, at Marks and Spencers
Cover text: With love Mum, On Mothers Day Inside message: Have a wonderful day Approx size: 178 x 126mm

Signature Filled Glass Candle, at Mark & Spencers
One of these designer-inspired signature filled candles will look fantastic on your bedside table. A simple, tasteful addition to your decor in scented clove and orange, natural cotton or plum and rhubarb

Handcrafted Dan's Mouse Mother's Day Card, at Marks & Spensers
Cover text: Just for you Mum Inside message: On Mother's Day! Approx size: 178 x 126mm

Classic Selection Platter, at M+S
30 quarters Serves 6-8 Ready to eat 5 different sandwich fillings As featured on page 6 in the food to order brochure Order by 5pm to collect in 2 days Available for collection in the majority of our UK mainland stores

2 Alton Damask Dining Chairs, at Mark & Spensers
H99 x W46 x D56cm Seat: H49cm Sold as a pair Damask print 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

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

Lone Range Pinot Noir 2006 - Case of 6, at Marks & Spencers
Style: Full bodied Grape variety: Pinot Noir Country of origin: New Zealand Closure: Natural cork Bottle: 6 x 75cl. Suitable for vegetarians Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml:1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Fairtrade Lily Bouquet, at Marks & Spenser
This beautiful Fairtrade flower bouquet, featuring white Oriental lilies and lovely gypsophila, is sure to make someone smile Fairtrade Certified Flowers Available for delivery from 1st April to 30th September 2009

Autograph Sport Body Spray, at Marks and Spencer
Deodorising body spray 150ml This product is not available for international delivery. Find out more

Pure Cotton Ireland Rugby Top, at Marks&Spencer
A must for rugby fans! This official Ireland rugby top features the Irish motif. A modern easycare style in soft comfortable cotton

Fuzzy Teddy Grandpa Card, at Marks and Spenser
Cover text: Grandpa... ... down tools on your birthday! Inside message: Blank for your own message Approx. size: 150 mm x 150 mm

Stormwear™ Long Sleeve Hooded Anorak, at Mark's & Spencer
The classic anorak has been given a contemporary twist with a button cuff detail. Designed in an easycare water resistant fabric with a hood, this practical and stylish jacket will keep you dry on rainy days

Formula Calming Toner, at Marks & Spencers
With chamomile and aloe vera Especially formulated for sensitive skins Suitable for all skin types Gently tones without any harsh additives Alcohol free Fragrance free Hypoallergenic 200 ml

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 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.