When you're shopping at Marks and 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 Financial Services. Offering everything from savings accounts and credit cards, to Home Insurance and Motor Insurance, there's a lot more going on at Marks & Spencer than you might imagine.

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

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 & Spensers, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

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

2 Pure Cotton Chino Shorts, at MarksandSpencer
Relaxed and comfortable, these pure cotton chino shorts make a practical, fashionable choice. Made in an eco-factory, designed to use less energy and create less waste

Limited Collection Pure Cotton 3/4 Sleeve Top, at Marks and Spencer
This 3/4 sleeve top will make a useful addition to your wardrobe. It features a pretty floral print design for a stylish casual look

Pure Silk Stripe Tie, at Marks and Spenser
Add a luxurious finishing touch with this contemporary stripe tie in pure silk

Single Sprung-Edge Divan with 2 Large + 2 Small Drawers & M100 Mattress, at Marks & Spencers
Single mattress (3ft): W90 x L190cm Double mattress (4ft 6in): W135 x L190 cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 21cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Small drawer: H14 x W40 x D52cm Mattress has dust-free polyester fibre filling Open coil mattresses provide a hard-wearing and supportive background Mattress spring count: 288 Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Girlie Dress Up Drawstring Bag, at Marks and Spencers
This folding drawstring bag is a brilliant addition to any school kit. Keep it folded up in its pouch inside a school bag and unfold when you need to carry extra kit such as homework, library book or games kit. The drawstrings feature special safety catches which snap apart under pressure

Stain Defence™ Non-Iron Adjustable Waist Trousers With Stormwear™, at Mark's & Spencer
These trousers are treated with Stain Defence™ and Stormwear™ technology so they repel water and stains. They're non-iron for convenience - for best results, machine wash, tumble dry and hang straight away

Watercolour Flowers 'Just To Say' Multipack of Cards, at Marks & Spenser
Cover text: Just to Say... Inside message: Blank for your own message Pack contains: 8 cards, 1 design Approx size: Unfolded: 120 x 120mm

Pure Silk Woven Diagonal Stripe Tie, at M&S
Add a luxurious finishing touch with this smart multi stripe tie in pure silk

DeLonghi Espresso Icona ECO310W Coffee Maker, at Marks n Spencer
High performance 15 bar pump pressure Stylish pearl white high gloss finish Traditional stainless steel cappuccino milk frother Professional 2 in 1 filter holder suitable for ground coffee or ESE pods Includes free illy pods Built in tamper and incorporated crema device for prefect crema Removable 1 litre water tank Built to accommodate either 2 full sized cappuccino cups or 2 espresso cups Stainless steel removal drip tray Separate coffee and steam boiler for faster use and optimum temperature control Adjustable steam emission Cup warmer Easy to use - 3 button operation Measuring spoon Dimensions: H38 x W29 x D34cm Boxed-product Weight: 6 Kg, Manufacturer: Marks & Spencer

Autograph Long Sleeve Narrow Bengal Stripe Shirt, at Marks & Spenser
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Limited Collection Rio Charm Necklace, at Marks and Spencers
Clasp fastening Multiple charms Multi strand Necklace length 47.5cm, extendable by 7.5cm

Per Una Long Sleeve Knitted Top with Necklace, at Marks&Spencer
A relaxed long sleeve knitted top featuring a v-neck. Delicate necklace gives it the Per Una touch

16-Piece Coloured Handle Cutlery Set, at M&S
16-piece set Coloured handles 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

Pure Cotton Embroidered Combat Trousers, at M+S
Fashionable and practical, these combat trousers feature embroidered design. Soft cotton fabric and an elasticated waist will keep her feeling comfy

Sony Bravia 46'' KDL-46W4500 HD Ready LCD TV, at Marks & Spencers
HD Ready 1080p: HD 1080p compatible to display High Definition signals in breathtaking quality, i.e. Playstation 3, Blu-ray, etc. HDMI (High-Definition Multimedia Interface) delivers crystal-clear, digital audio and video signals using a single cable. 1080p is the maximum resolution defined for HDTV use Display: 46 inch LCD TV, 6.2 Mega Pixels Contrast Ratios: Dynamic contrast 50,000:1 Integrated Digital and Cable Tuner Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) and is cable TV ready (with supported providers only) Dimensions: W112 x H78.2 x D30.7cm (with stand) , W112 x H74.2 x D11.5cm (without stand) Weight: 31kg (with stand), 26.5kg (without stand) S-Force Pro Front Surround: Gives you virtual surround sound from just two front speakers Connections: 4 x HDMI (3 in back, 1 on side), PC connectivity, 1 x Component and 2 x SCART sockets BRAVIA Engine 2: Experience incredibly clear and defined images with BRAVIA ENGINE 2 picture enhancement technology and Advanced Contrast Enhancer Live Colour Creation with x.v.Colour: Uses a larger colour palette to produce vibrant colour like nature intended it to be seen 24p True Cinema: Shows films at 24 frames per second, just like a real cinema Motionflow: Boosts the refresh rate from standard 50Hz to 100Hz for super-smooth, precise viewing, which is ideal for sports Xross Media Bar: A new Sony interface that's easier to operate Picture Frame Mode: When you are not watching TV, display one of the 6 pre-installed masterpieces or show one of your own photos uploaded via the USB input Voice Zoom: Allows you to alter the volume of voices without changing the background volume BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Pure Cotton Plain Baseball Hat, at Marks & Spencer
Whether you're keeping the sun out of your eyes during the big game or simply relaxing in casualwear, the baseball cap is a style essential

The Floral Collection Lavender Purse Gift Set, at M&S
Pack of 3 Moisturising Hand and Body Lotion: 50ml Moisture Rich Foaming Bath Cream: 50ml Moisture Rich Shower Cream: 50ml Lavender fragrance Presented in a purse Moisturising Hand and Body Lotion Ingredients: Aqua, Glycerin, Paraffinum Liquidum, Cetearyl Alcohol, Petrolatum, Parfum, Lavandula Angustifolia (Lavender), Glyceryl Stearate, Polysorbate 60, PEG-100 Stearate, Isopropyl Palmitate, Dimethicone, Panthenol, Disodium EDTA, Imidazolidinyl Urea, Methylparaben, Acrylates/C10-30 Alkyl Acrylate Crosspolymer, Triethanolamine, Propylparaben, Xanthan Gum, Linalool, Butylphenyl Methylpropional, Coumarin, Hydroxyisohexyl 3-Cyclohexene Carboxaldehyde, Alpha-Isomethyl Ionone, Phenoxyethanol, Isobutylparaben, Ethylparaben, Butylparaben Moisture Rich Foaming Bath Cream Ingredients: Aqua, Sodium Laureth Sulfate, Sodium Chloride, Cocamidopropyl Betaine, Decyl Glucoside, Parfum, Lavandula Angustifolia (Lavender), Glycol Distearate, Sodium Sulfate, Glycerin, Laureth-4, Disodium EDTA, Styrene/Acrylates Copolymer, Linalool, Butylphenyl Methylpropional, Magnesium Nitrate, Citric Acid, Sodium Lauryl Sulfate, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, Phenoxyethanol, Methylparaben, Butylparaben, Ethylparaben, Isobutylparaben, Propylparaben Moisture Rich Shower Cream Ingredients: Aqua, Sodium Laureth Sulfate, Sodium Chloride, Cocamide DEA, Lavandula Angustifolia (Lavender), Decyl Glucoside, Lauryl Betaine, Parfum, Styrene/Acrylates Copolymer, Disodium EDTA, Polyquaternium-39, Glycerin, Linalool, Citric Acid, Magnesium Nitrate, Sodium Lauryl Sulfate, Methylparaben, Methylchloroisothiazolinone, Propylparaben, Magnesium Chloride, Methylisothiazolinone, Phenoxyethanol, Butylparaben, Ethylparaben, Isobutylparaben

Oudinot Rosé Champagne, at Marks & Spensers
75cl Oudinot Ros Champagne You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

3 Pairs of Two Tone Opaque Knee High Socks, at Marks & Spencer
These comfortable 3 denier opaque socks are made with added stretch and a reinforced toe for durability

Large August Bouquet Bundle, at M&S
Historically a symbol of love, this assortment of larkspur in shades of lilac, cream and pink also contains deep purple lisianthus, sandriana and delicately pretty roses. A vase and free 310g luxury Belgian chocolates make this an extra special gift. Includes 50% more blooms than the standard August bouquet Available for delivery from 1st to 29th August 2009

3 Older Boys' Autograph Pure Cotton Boxers, at Marks and Spencer
Comfortable, practical and fashionable, this 3 pack of boxers is made from soft breathable cotton

Contemporary Footglove™ Wide Fit Leather Trouser Shoes, at Marks & Spencer
Round toe Stitch detail Gusset feature Slip on Mid heel Heel height: 52mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Mixed Bead Necklace & Earrings Set, at MarksandSpencer
2 part set Adjustable length mixed bead necklace with clasp fastening Hook fastening drop earrings with mixed bead design

Stitch Back Pencil Skirt, at M&S
Sleek and chic, this pencil skirt is tailored to fit and flatter. A stylish choice for work or smart occasions and it's machine washable for added convenience

Jazz Café CD, at Marks & Spencer
Audio CD, Marks & Spencer

Tyrrell's Fifth Generation Classic Dry White 2008 - Case of 12, at Marks & Spencer
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

Performance Slip-On Suede Boat Shoes, at Marks and Spencer
Slip-on Round toe Contrast lace stitch design Chunky sole Heel cushion and arch

Natural Beauty Body Scrub, at M&S
200ml Naturally fragranced

Indian Summer Collection - Tea Light Holders, at MarksandSpencer
H6.8 x Diam: 6.6cm Pack of 4 Frosted baroque design Glass Assorted colours Tea lights included Burning time: Approx: 4 hours, Manufacturer: Marks & Spencer

Piedmont Chardonnay 2008 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: Chardonnay & Cortese Country of origin: Italy Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Besides Mark's & Spencer Motor Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Home 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 Financial Services 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 Financial Services Premier Home Insurance and Standard Home 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.