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. Offering everything from savings accounts and credit cards, to Buildings Insurance and Motor Insurance, there's a lot more going on at Mark & Spencers 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 Spenser Standard Motor Insurance. With M+S Money 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, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from M+S, 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 Financial Services, 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.

Stormwear™ Faux Fur Multi Pocket Hooded Parka, at Marks & Spencer
Practical and fashionable, this multi pocket hooded parka is treated with Stormwear™ technology, an innovative finish that repels water and stains. Comfortable, breathable, easycare style whatever the weather

16-Piece Cutlery Set, at Marks n Spencer
16-piece set Includes 4 knives, 4 forks, 4 spoons and 4 teaspoons 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 l, Manufacturer: Marks & Spencer

Per Una Rib Knit Belted Dress, at Marks n Spencer
A sophisticated rib knit dress in a cotton blend fabric featuring a button detail neckline and scallop trim

Collezione Wool Rich Stripe Trousers, at Marks and Spencers
Italian tailoring is renowned for its sophisticated style. Each collezione suit 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 this garment to give you a feeling of luxury like no other

3 Pairs of Assorted Trainer Socks, at Mark & Spencers
Designed to hide neatly inside your trainers, these breathable cotton rich socks are made with added stretch for comfort, superior shape retention and durability

Gold Finish Wood Photo Frame 10 x 15cm (4 x 6"), at Marks and Spenser
Rectangle shape Pine wood border Gold finish Aperture: 10 x 15cm (4 x 6") Dimensions: H19.1 x W24.2 x D2.7cm, Manufacturer: Marks & Spencer

Per Una Cotton Rich Washed Bootleg Jeans, at Marks and Spencer
A smart pair of bootleg jeans in stretch cotton. Soft wash effect makes it extra stylish

Pure Cotton Spot Cropped Pyjamas, at Marks & Spencer
Pretty and feminine, these cropped pyjamas are made from soft breathable cotton for a comfortable night's sleep

Cotton Rich Pick Stitch Slim Bootleg Jeans, at Marks and Spencer
They have a universally flattering shape that's easily dressed up or down

Easycare Short Sleeve Stripe Shirt, at Marks & Spencers
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Per Una Long Sleeve Cardigan with Wool, at Marks and Spencer
A fashionable long sleeve cardigan in textured fabric. Ribbed detail makes it extra stylish.

Ring Trim Bottoms, at Marks and Spenser
Feminine and fashionable, these flattering tankini bottoms are designed in the latest shape. A sleek, shapely look

Cotton Rich Tie Waist Cropped Jogging Bottoms, at Marks and Spencer
Casual and comfortable, these easycare cropped jogging bottoms feature embroidered butterfly details for a modern look

Limited Collection Etched Floral Padded Bra, at Marks & Spencer
Fun and fabulous, this balcony bra is part of our Limited Collection lingerie. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Rosso di Puglia 2008 - Case of 12, at Marks & Spensers
Style: Full bodied Grape variety: Primitivo and Negroamaro Country of origin: Italy Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 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

Exfoliating and Polishing Body Mittens, at Marks & Spencer
Looped mitt for exfoliating and deep cleansing Soft mitt to gently smooth and polish your skin

Collezione Pure Cotton Long Sleeve Rib Stripe Shirt, at Marks and Spencer
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 this shirt to give you a feeling of luxury like no other

Autograph Pure Cashmere Slash Neck Jumper, at Marks and Spencer
Sophisticated and modern, this slash neck jumper is made from pure cashmere for the ultimate in luxurious softness

Faux Leather Funnel Neck Ribbed Trim Bomber Jacket, at M&S
Bomber jackets are a key look this season, and this faux leather style makes a fashionable choice

Gold Plated Long Treasure Bead Necklace, at Marks & Spencers
Clasp fastening Adjustable length Long length Fine chain Shell detail Assorted beads Necklace length: 108cm

Rag Fairy Doll, at Marks & Spencer
Not recommended for babies under 12 months Hair ribbon detail Flared dress with bow feature Suitable for ages 1-3yrs This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Collezione Wool Rich Single Pleat Trousers, at Marks and Spencers
Add a smart dimension to your formal wardrobe with these single pleat trousers. Allowing for more hip room, they provide a clean, crisp and well turned out look

Ombre Jacquard Bedlinen Set - Duck Egg, at Marks & Spencer
Leaf jacquard pattern 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

Pure Cotton Floral Print Pyjama Bottoms, at Marks and Spencer
Fashionable and fun, these soft floral print pure cotton pyjama bottoms are designed to be mixed and matched. Relax in style and comfort

Samsung 37'' LE37A686 HD Ready LCD TV, at Marks & Spencer
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: 37 inch LCD screen, 1920 x 1080 resolution Contrast: Dynamic contrast 50000:1 Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: 988 x 83 x 610mm (without stand), 988 x 240 x 670mm (with stand) Weight: 19 kg with stand SRS TruSurround XT: For enhanced surround sound effect AV inputs: 4 x HDMI , 2 x scart, 1 x RF Input, 1 x component, 1 x composite, 1 x optical, 1 x USB, 1 x VGA, 1 x headphones and 1 x PC input 2 x S-Video(all inputs at back of TV) DNIe+ Technology: The Digital Natural Image Engine produces images with incredible depth and density. Advanced contrast and detail enhancers combine to produce deeper richer life like colours Wide Colour Enhancer 2: Primary colours are strengthened to increase depth and intensity to show pictures in all their natural beauty Ultra Clear Panel: Retains the same high performance in any light conditions 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount T042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Cotton Rich Coolmax® Pillowcase, at Marks & Spencer
Plain Easycare Perfect for use with our range of cool cotton duvets and protectors 220 thread count for a smooth crisp finish that requires minimal ironing, Manufacturer: Marks & Spencer

Autograph Short Sleeve Corsage Top, at MarksandSpencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Cotton Rich Double Button Wide Leg Jeans, at Marks&Spencer
Fluid and feminine, these wide leg jeans sit comfortably on the waist and are cut to fit and flatter, giving an elegant silhouette. Added stretch gives the perfect fit

3 Younger Boys' Cotton Rich Spider-Man™ Trunks, at Marks & Spencers
Fans of Spider-man™ will love this pack of 3 cotton rich trunks featuring the popular character. Fun, practical and great value

Classic Letters 40th Birthday Card, at Marks and Spencer
Approx. size: 230 x 114mm Cover text: On your 40th birthday Inside message: Have a very special day

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

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