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 Money. Offering everything from savings accounts and credit cards, to Home Insurance and Motor Insurance, there's a lot more going on at Mark's & Spencer 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 Mark & Spencers are so useful. M&S Money financial products are, of course, designed to make Mark's & 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, Home Insurance policies. Usually, UK Home 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 Home 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 Home Insurance than you will anywhere else, and you may even pay less with M&S.

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

Pure Cotton Belted Denim Shorts, at Marks & Spencer
Practical and fashionable, these relaxed denim shorts make a great choice for warmer weather

Pure Cotton Belted Knee Dart Jeans, at Marks & Spencers
Comes with belt shown in image These straight leg jeans in pure cotton are great value. A practical, easycare style

Sprung-Edge Suede Divan with 2 Small + 2 Large Drawers & Autograph M500 Mattress - Medium, at Marks and Spenser
Double mattress (4ft 6in): W135 x L190cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 27.5cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Small drawer: H14 x W40 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table Mattress is entirely handmade Individually pocketed springs Mattress features deep pillowtop layer containing high quality fillings of cashmere, silk and super-soft reflex foam Two further layers of cotton and polyester underneath the pillowtop layer Double row of hand side-stitching to add support to the edges of the mattress Mattress spring count: 1225 Sprung-edge divan - 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

Lichfield Wardrobe & 2 Bedside Chests Set, at Marks & Spencer
Wardrobe: H209 x W112 x D60cm Bedside chests: H60 x W50 x D50cm Wardrobe has a full length hanging rail and a half length mirror Bedside chests have 3 drawers Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Drawers made from solid European hardwood Handles made from solid European hardwood Side panels are veneered Top panel is veneered with solid oak edging for strength 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 , Manufacturer: Marks & Spencer

Fresh Rose Scented Spheres, at Marks & Spenser
Assorted decorative fragranced spheres Pot pourri Bag size: 27cm approx height Weight: 250gms approx, Manufacturer: Marks & Spencer

Portfolio Lightweight Brush Stroke Scarf, at Marks and Spenser
Add a luxurious finishing touch to your look with this elegant brush stroke print scarf. The perfect accessory to this season's styles

Per Una Ruffle Bib Longline Tunic, at M+S
A stylish longline tunic in soft textured fabric featuring ruffle bib panel with button detail

Ribbed Long Sleeve Polo Neck Jumper, at Marks n Spencer
Modern and stylish, this jumper features a polo neck. A versatile, easywear style

Lichfield Bookcase, at M+S
H195 x W109 x D43cm Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Shelves made from White Oak veneer Side panels are veneered Top panel is veneered with solid oak edging for strength 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 , Manufacturer: Marks & Spencer

Footglove™ Widefit Leather Interweave T-Bar Sandals, at Marks & Spensers
Open toe Interweave strap design T-bar style Buckle fastening Flat sole Footglove™ soles are comfortable, highly flexible and lightweight Widefit feature Comes in sizes 3-8, including half sizes

Limited Collection Tribal Hobo Bag with Charm, at Marks & Spencers
Fashionable and fabulous, this tribal hobo handbag is designed in one of this season's key shapes. It's a practical as well as trend-conscious accessory. Get the latest look!

Sterling Silver Organic Double Oval Necklace, at Marks and Spencer
Clasp fastening Double oval design Length: 41cm

Pacific Side Table, at Marks and Spencer
H48 x W48 x D48cm Handwoven in natural pandan leaves around a solid wooden frame Solid wood feet with glides With toughened glass top This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Leather Seam Biker Jacket, at Marks & Spencers
Biker jackets are a key look this season, and this leather style makes a fashionable choice

Pure Cotton Holiday Rope Handle Shopping Bag, at Marks n Spencer
Fashionable and practical, this rope handle shopping bag is a useful accessory with bags of style

Flora Sunglasses, at Marks & Spencer
Bold, dark and oversized, these stunning shades make a fabulous way of wearing this seasons hot trend for classic glamour

Big & Tall Flat Front Trousers, at Marks n Spencer
No more trips to the drycleaners! These smart, fashionable trousers are machine washable. Perfectly proportioned for big and tall men

Mirrored Sink Unit, Sink & Tap Set, at Marks & Spencer
Sink Unit: H81 x W60 x D43cm Overall: H89 x W60 x D43cm Mirrored glass Clear handles Toughened safety glass shelves 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

Flock Letters Son Card, at Marks and Spenser
Cover text: Happy birthday son Inside message: Blank for your own message Approx size: 150mm x 150mm

Trailing Flower Gift Card, at Marks & Spensers
Credit card-sized Gift Card with presentation greetings card Can be redeemed in any of our UK stores and online Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Autograph Parisian Duvet Cover, at Marks and Spencers
Floral design Comes in single (3ft), double (4ft 6'), king size (6ft) and super king size (6ft), Manufacturer: Marks & Spencer

Long Sleeve Thermal Vest, at Marks & Spensers
Soft, warm and cosy, this long sleeve thermal vest is designed to give comfy insulation, perfect for chilly weather

Per Una Wool Blend Ruched Dress with Belt, at Marks and Spencer
A fashionable knee length dress in a soft wool blend featuring a velvet tie belt

Body Formula Salt Scrub, at Marks & Spencer
250g Fragranced

Isis Moisturising Aftershave Balm, at Marks & Spensers
Alcohol free 100ml This product is not available for international delivery. Find out more

Autograph Modal Blend Short Sleeve Henley Neck Top, at Marks and Spencer
Whether you're heading for bed or relaxing at home, this comfortable modal blend pyjama top is great for chilling out in style. Mix and match with our pyjama bottoms

4 Windsor Red Wine Glasses, at M&S
Set of 4 Dishwasher safe 47cl H24cm, Manufacturer: Marks & Spencer

Playmobil Patrol Car Toy, at Marks and Spencers
Suitable for ages 4+ Flash light Hinged back seat Includes car, policemen, storage box with accesories This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Easy Iron Pure Cotton Short Sleeve Satin Stripe Shirt, at Mark & Spencers
Stylish and innovative, this long sleeve stripe easycare shirt is quick and easy to iron for a smart crisp look

The Floral Collection Lavender Moisture Rich Hand Wash, at Marks and Spencer
Lavender fragrance Moisture rich Hand wash 250ml

M&S Money 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 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 Mark & Spencers 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, Sainsburys, or Tesco:

• 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 UK and European Breakdown Cover, since it covers you as a passenger too.