When you're shopping at M+S 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. Offering everything from savings accounts and credit cards, to Buildings & Contents Insurance and Motor Insurance, there's a lot more going on at Marks and Spenser than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M+S Money. 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, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M+S Money 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."

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

M+S Money 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 & Contents 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 & Contents 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 Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Pure Linen Pleated Front Shirt, at Marks and Spencers
Feminine and elegant, this sophisticated linen shirt is beautifully designed and cut for a flattering shape and features a stunning pleated detail

Hungarian Pinot Grigio 2008 - Case of 12, at Marks & Spenser
Style: Medium dry Grape variety: Pinot Grigio & Sauvignon Blanc Country of origin: Hungary Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Cap Sleeve Gathered Neckline Top, at Marks and Spencer
Chic and modern, this cap sleeve top is made from softly draping stretch viscose for a fluid look. The gathered neckline adds a fashionable finishing touch

5 Assorted Bikini Knickers, at Marks & Spencers
These cotton rich briefs are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Antigua Large 2 Seater Sofa AU09 Newness, at MarksandSpencer
Manufacturer: Marks & Spencer

Autograph Mineral Powder Eyeshadow, at Marks & Spensers
Hypoallergenic Fragrance and preservative free

Younger Boys' Mr Bump Slippers, at Marks & Spencer
Round toe 'Mr Bump' motif Lined Flat sole Copyright 2009 Mister Men Limited (a Chorion company). All rights reserved.THE MR MEN SHOW™ and DILLYDALE™ are trade marks of THOIP (a Chorion company). All rights reserved.

Extending Floor Lamp & Shade, at Marks & Spencer
Antique brass finish steel Fabric shade 40 x 162cm, Manufacturer: Marks & Spencer

Pure Cotton Check Shorts, at Mark & Spensers
Soft and comfortable, these cotton shorts can be worn alone or with a number of our pyjama tops and t-shirts to create your own style

Stainless Steel Flour Shaker, at Marks & Spensers
Stainless steel Sieve feature Hook design handle H10 x Diam7cm, Manufacturer: Marks & Spencer

44-Piece Autograph Chartwell Cutlery Canteen, at Marks & Spencer
Set of 44 - 6 cutlery place settings and 2 serving spoons In a presentation box 6 knives 6 forks 6 teaspoons 6 dessert knives 6 dessert forks 6 dessert spoons 6 soup spoons 2 serving spoons 18/10 stainless steel - the highest grade of stainless steel Criminal Justice Act 1988 (as amended): please note we are not permitted to sell a knife or blade to any person under the age of 18 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Wide Strap Plain Swimsuit, at Marks&Spencer
Modern and fashionable, this wide strap swimsuit is outstanding value

PlayStation®3 Tiger Woods PGA Tour 08 Game, at Marks & Spencer
All-New EA Sports GamerNet, where online interaction has been taken to the next level Record everything from your greatest rounds to crazy, awe-inspiring shots, then post each challenge on EA SPORTS GamerNet for the world to beat Put yourself in the game like never before. Upload real-life photographs of yourself, friends, and family All-new Shot Confidence tracks your performance on every hole Featuring the greatest PGA Tour and LPGA Tour pros, including Tiger Woods, John Daly, and Vijay Singh Plus Annika Sorenstam, Natalie Gulbis, Christie Kerr, and Morgan Pressel Suitable for ages 3 years + 2007 Sony Computer Entertainment Europe 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 *Must be returned with the tamper seal intact for full refund, ESRB Rating: Kids to Adults

Artificial Mini Orchid in Square Mirror Glass Vase, at M+S
Artificial orchid Mirror glass vase Ready made arrangement that needs no after care H58cm, Manufacturer: Marks & Spencer

Sonoma Dark 10-Drawer Wide Chest, at M+S
H88 x W170 x D50cm 10 drawers 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 Drawer boxes and fronts made from solid hardwood. Drawer bottoms made from White Oak veneer Legs made from solid hardwood 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 SAVE ON SETS Save at least 25% when you buy this chest as part of a set. Click here to view the Sonoma Dark Collection Set. , Manufacturer: Marks & Spencer

Baby Girl Shelf New Baby Card, at Marks & Spenser
Cover text: Baby girl Inside message: With love Approx size: 150 x 150mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Dine In Whites - Case of 12, at Marks and Spenser
4 Domaine Mandeville Sauvignon Blanc 2007: A fruity Sauvignon Blanc from the South of France, with juicy citrus and gooseberry flavours, finishing on a fresh, crisp note... 4 Ctes du Rhne Blanc 2008: With its appealing aromas of honeysuckle and baked pears, this soft and gently spicy white is classic Ctes du Rhne at a fantastically affordable price... 4 Macon Villages 2007: A fresh and fruity white made from 100% Chardonnay, with a really appealing, lively scent of apples and lemons and a hint of ripe, rounded peach on the finish... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

WowWee™ RS Wrex The Dawg™, at Marks & Spencers
RS Wrex the Dawg's moods (Happy, Angry and Crazy) and desires (Exercise, Call of Nature and Hunger) are expressed by his hilarious "jackpot" eyes! His left eye displays his moods and his right eye displays his desires Change RS Wrex the Dawg's moods via the Mood Dial on the intuitive remote controller, by hitting him on his push button nose to reset his "jackpot" eyes, or allow him to change moods all by himself! Thanks to his junkyard construction, RS Wrex the Dawg occasionally malfunctions. When he begins his "malfunction animation", it is your cue to reset him using the programming hatch. If you do not enter a code in time, he will enter his "Breakdown Mode", and will not be able to do anything until you enter a reset code There are many possible reset codes that you can enter by accessing his reprogramming hatch: try programming him as a cat, or to disobey your commands! You can even re-program him as the original Robosapien™! Capable of performing a number of tricks including offering his paw, playing dead and dancing! You can select the tricks via the Trick Dial on the remote controller. Each of his moods features its own unique set of tricks Features a remote controller that matches his junkyard origins; it allows you to access all of his features and tricks using dials and picture icons! Zips around rapidly on his two hind wheels and two jointed front legs Features swivelling ears, a moving jaw, and a squeaky tail Set him to "Guard Mode" and have him warn you when strangers approach Select the Off the Leash icon from the remote controller's Mood Dial and he will explore your home all on his own! Features a Sleep Mode to conserve battery life Featuring an optional edge detection function, RS Wrex the Dawg will avoid edges and obstacles, and will know when he has been picked up Program a sequence of actions up to 80 steps and he will perform them back flawlessly! RS Wrex the Dawg can "see" in front him; he will react to movements and obstacles in his field of vision! Features an entertaining Demo Mode, in which he shows off his movements and personality! 9 motors 10 eye icon combinations IR sensors Speakers Age: 8+ Dimensions: L33.2 x H24.1 x W33.2 cm Weight: 1.8 KG Batteries: 4x "C" alkaline, 2 x "AA" (remote controller) Batteries not included 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

Stainless Steel Apple Corer, at M&S
Stainless steel Slices apples into eight pieces L15cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Tramline Thong Lace-Up Shoes by Jeffery-West, at Marks & Spensers
Thanks to Jeffery-West's use of luxurious leather and fine attention to detail, these smart shoes are a sartorial step in the right direction. The signature square toe provides a thoroughly modern formal finish

Save the Children Charity Religious Multipack of Easter Cards, at Marks and Spencer
Cover text: design 1: Easter Blessings, design 2: With thoughts of peace at Easter Inside message: All designs, blank for your own message 10% of the purchase price from each pack will be contributed to Save the Children. Registered Charity England & Wales (213890) / Scotland (SC039570) 6 cards, 2 designs Approx size: Unfolded: 120 x 120mm

3 Pairs of Assorted Bird Design Socks, at Marks and Spencer
Celebrate the weekend with these fun novelty socks, great as a gift

Ceriso Rio Silk Bikini Knickers, at Marks & Spenser
Fun and funky, these modern bikinis feature a lace design. The low rise, high leg brazilian style gives a fabulous body-conscious fit. Designed for women who want the latest look

Gold Plated Hooped Drop Earrings, at Marks and Spencer
Butterfly fastening Hoop design For hygiene reasons, refunds will only be given in accordance with your legal rights

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

Footglove™ Widefit Wedge Shoes, at MarksandSpencer
Square toe Riptape fastening Wedge heel Comes in sizes 3-8, including half sizes Footglove™ soles are comfortable, highly flexible and lightweight

Pheasant Gully Bin 201 Shiraz Cabernet 2008 - Case of 12, at Marks & Spenser
Style: Full bodied Grape variety: Shiraz & Cabernet Sauvignon Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. 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

Perfect Canoe Boat Shoes, at Mark & Spensers
Round toe Stitch detail Lace up Lace stitch design

Per Una Short Sleeve Knitted Top with Floral Scarf, at Marks&Spencer
A cosy short sleeve knitted top with a floral scarf, features lace trim neckline

Classic Duckling and Bear Baby Keepsake Box, at Marks and Spencer
Pack contains: 1 keepsake box "This little bear went out one day over the hill and far away... " slogan Approx size: H235 x W315 x D57mm

Besides Marks & Spencer Motor Insurance, M+S Money Credit Cards and other financial products, M+S Money Buildings & Contents 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 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 & Spencer purchases are also protected while you take them home.

Also, on both M+S Money Premier Buildings & Contents Insurance and Standard Buildings & Contents 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.