When you're shopping at Marks & Spencers 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 Insurance and Car Insurance, there's a lot more going on at M & S 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."

There are lots of ways to save money using M+S Money. Not least of these is Marks and Spencer Standard Car Insurance. With M+S Money 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, 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 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 Car Insurance from M&S Money, you get more, and you pay less.

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 financial products are, of course, designed to make Marks and 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 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 Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

Cuddle Bear Cot Bed Bumper, at Mark & Spensers
Embroidered bear detail L155 x W35cm, Manufacturer: Marks & Spencer

Classic Duckling & Bear Large Baby Photograph Album, at Marks and Spenser
Contains: 1 album, 1 box, 1 pack of glue dots, 1 blank 700 MB CDR Approx size: Album: H235 x W325 x D30mm

Classic Collection Short Sleeve Floral Blouse, at Marks and Spencer
Feminine and pretty, this floral print blouse will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

Older Boys' Short Sleeve Paradise T-shirt, at Marks & Spencer
A practical, casual top in pure cotton featuring a fun paradise slogan and motif. A great value easycare style

Country Bunch Family Home Card, at M+S
Cover text: New home! Inside message: Congratulations! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future 175 mm x 127 mm

Per Una Floral Lace Underwired DD-G Bra, at Marks and Spencer
Flattering and comfortable, this bra is specially designed for fuller busts. The push up style gives gentle support and a flattering enhanced cleavage

Classic Collection Stripe Trousers, at Mark & Spensers
Smart and stylish, these straight leg stripe trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

Glitter Stripe Bedset, at Marks and Spencer
Glitter stripe design 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 Monroe Bedstead, at Marks and Spencer
Headboard: H110cm Endboard: H48cm Double: L222 x W150cm King size (5ft): L232 x W165cm Super king size (6ft): L232 x W195cm Leather upholstery Mattress sold separately Delivered flatpack due to size 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

Something Old Wedding Card, at Marks & Spensers
Cover text: something old, something new, something borrowed, something blue Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the worlds forests for the future Approx size: 150 x 150mm

Per Una Pure Linen Safari Shorts with Belt, at Marks & Spenser
Comes with belt shown in imageCasual metallic shorts in pure cool linen featuring a turn up hem with side tab detail

Ultimate Fishnet Tights, at Marks & Spensers
The ultimate in stylish design, these fishnet tights have added stretch so they'll always keep in shape. They're finished with a reinforced sole and toe section so toes won't get caught in the netting

Pure Cotton Bird All-In-One with Pram Shoes Gift Set, at Marks&Spencer
2 piece set Long sleeve popper fastening all-in-one with bird motif and spot print Round toe slip on bird motif pram shoes

Per Una Palm Leaf Skirt, at Marks & Spencer
A beautiful knee length skirt featuring a palm leaf print and flared hem

Small Packaway Bag, at Marks & Spencer
This trendy packaway shopping bag that is easy to carry, for those unforeseen purchases

Per Una Lace Sunglasses, at Marks & Spencers
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Younger Girls' Dora The Explorer Lunch Box, at Marks and Spencers
Cute and fun, girls will love this Dora the explorer lunch box. An ideal gift

Autograph Anti-Feathering Lipstick, at Marks & Spensers
Colour rich Anti-feathering Hypo-allergenic

Autograph Floral Print Skater Skirt, at Marks and Spencers
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

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

Per Una Short Sleeve Floral Burntout Shirt, at Marks and Spencer
A bright short sleeve shirt in a soft cotton blend. Featuring a floral print and frill placket

Cotton Rich Double Button Skinny Jeans, at Marks & Spenser
Long and lean, skinny jeans are an edgy modern style. This stretchy pair sits below the waist and is cut to fit and flatter. Wear with some volume on your top half to balance the shape and give an even leggier look

My First Noisy Police Car, at Marks and Spencer
Toy police car Light feature Batteries included Suitable for ages 0-3yrs H10cm x L12cm This product conforms to EN71 and the Toy Safety Directive 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, Manufacturer: Marks & Spencer

Tyrrell's Fifth Generation Classic Dry White 2008 - Case of 12, at Marks and Spenser
Style: Dry Grape Variety: Semillon, Chardonnay, Verdelho, Traminer, Sauvignon Blanc Country of origin: Australia Closure: Screw cap Bottle: 12 x 75cl. Alcohol by volume: 11.5% vol. Alcohol units per bottle: 8.6 Alcohol units per 125ml: 1.4 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Collezione Pure New Wool Single Breasted 3 Button Soft Ribbed Jacket, at Marks n Spencer
A pristine example of fine Italian style, this distinguished single vent jacket is fashioned from Pure New Wool and features a stunning contrast lining for a refined finishing touch

M&S Glass TV Stand up to 50'', at Marks and Spencer
Supports LCD and plasma TVs up to 50" Toughened safety glass shelves Increased rigidity Clear glass with chrome supports Dimensions: H343 x W1187 x D540cm 79kg maximum top load weight Simple home assembly 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, Manufacturer: Marks & Spencer

Amazing Planes Book, at Marks and Spencer
This book contains all the press out model pieces you need to make six different planes. Fit your planes with the plastic nose cones provided and then see how far you can fly them ! Plus inside you'll find loads of crazy, amazing, fantastic facts and true stories about planes !

Chocolate Chrome Droplet Chandelier, at Marks & Spencers
5-arm design Chocolate finish Multi-faceted glass droplets H 98 x Diam 48cm Bulb: 5 x 60W E14 candle This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Classic Ceramic Double Robe Hook, at Marks & Spensers
Double hook Stainless steel H6.5 x W8 x D9cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Cotton Rich °Climate Control Cycle Shorts, at Marks & Spencers
Climate control fabric absorbs and stores body heat when you're too hot and releases the heat when you're too cold. The result is the perfect body temperature so you'll feel comfortable all day. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

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 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 Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.