When you're shopping at Marks and 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 Financial Services. Offering everything from savings accounts and credit cards, to Home Insurance and Car Insurance, there's a lot more going on at Marks and Spencers 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."

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 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 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.

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 Spencers 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 and Spencers, 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 Car 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.

Viva Coffee Table, at M&S
H40 x L85 x W50cm Made from steel with a nickel finish Shelves are made from safety-tested toughened glass Delivered flatpack due to size. Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Viva Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Long Sleeve Dual Tone Stripe Shirt, at Marks & Spencer
This fab long sleeve shirt features a stunning dual tone stripe design. A sophisticated new look, perfect for this season

Secano Estate Rosé Pinot Noir 2008 - Case of 12, at Marks and Spenser
Style: Dry Grape variety: Pinot Noir Country of origin: Chile Closure: Natural cork 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

Per Una 3/4 Sleeve Jacquard Cardigan, at Marks & Spensers
A casual 3/4 sleeve cardigan in textured fabric. Button details give it the Per Una touch

Silver Bubble Table Lamp, at Marks and Spencer
Bubble design base Fabric shade H45 x Diam 30cm Bulb: 40W E14 SES This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Nintendo DS Lite™ Console - Pink, at M&S
Dual Screens open up new possibilities - use the touch screen as an inventory reference for role-playing games, to view maps for your favourite strategy game, or see racing action from two perspectives at once Navigate menus or access inventory items simply by touching the screen with stylus or fingertip Tough film to protects touchscreen Advanced 3D graphics engine and 16-channel audio, for graphics and Sound that are superior to other portable game systems All-new PictoChat feature allows DS users to write messages with an on-screen Keyboard or the stylus and send them wirelessly Built-in Microphone port for voice control of games, or for voice chat with other DS players Less than two-thirds the size of the original Nintendo DS More than 20 percent lighter than original DS 4 adjustable brightness levels to extend battery life Repositioned microphone and LED lights Stylus has been redesigned- now 1cm longer and 1mm thicker Repositioned start and select buttons 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

Bingley Bear Flower Sister Card, at Marks and Spencer
Cover text: To a lovely Sister Inside message: Have a wonderful birthday Approx size: 175 x 125mm

Fashion Denim Zip Cropped Trousers, at Marks & Spencers
Fresh and fashionable, these denim cropped trousers look chic with wedges, sandals or flat pumps. Zip pockets add an extra touch of style

Little Acorns Musical Glitter Globe, at Marks & Spencers
Contains: 1 snow globe Approx size: H140mm

Wisteria Luggage Weekend Rollercase, at Marks & Spenser
Free 5 year guarantee Supported by sturdy wheels and a stand-alone feature, this rollercase is the ideal option for short trips away. It has dual packing compartments and a big 37 litre capacity

Adjustable Task Collection - Table Lamp, at Marks & Spensers
Antique-effect brass finish Height adjustable from 54 cm to 76 cm H40 x Diam 19cm Frosted glass shade Bulb: 40W SES golf ball This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

2 Alton Scroll Back Antiqued-Leather Chairs, at Marks and Spencers
H103 x W55 x D66cm Upholstered in antiqued-leather Sold as a pair Solid oak Scroll back 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

Toy Story Music Card, at Marks & Spencer
Cover text: Happy Birthday...Buzz and Woody Action Heroes Inside message: Have a fantastic day! Approx size: 215 x 150 mm Disney / Pixar

Small Duck Soft Toy, at Marks & Spencers
Suitable for ages 0-3 years Approx 29cm This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Drawstring Waist Ireland Motif Joggers, at Marks & Spencers
Relaxed and comfortable, these casual joggers feature Ireland motif and a zip feature. A practical easycare choice

Cropped Drawstring Waist Beach Trousers, at Marks and Spenser
Stylish and shapely these cropped trousers look chic with wedges, sandals or flat pumps

Pure Cotton 3/4 Sleeve Crochet Detail Kaftan, at Marks & Spencers
Fresh and feminine, this kaftan is outstanding value. Style and quality at a great price

Per Una Check Lace Brazilian Knickers, at Marks and Spenser
Feminine and delicate, these stylish brazilian knickers feature a lace design. The modern Brazilian style gives a close fit and a flattering shapely look. Pretty everyday fashion

3 Piece Pure Cotton Newborn Toucan Outfit, at Marks and Spencer
Fashionable and practical, this cute 3 piece outfit features an embroidered toucan design. It's made from soft cotton to keep her comfortable and happy

Ring Trim Bandeau Tankini Top, at Mark's & Spencer
Elegant and sophisticated, this bandea style tankini top is designed to stay securely in place while you work on your tan. A fabulous fashionable look

Country Bunch Hand Made Birthday Card, at Marks & Spencers
Cover text: Happy birthday Inside message: ... with lots of love xxx Approx size: 150 x 150mm

Silver Plated Mini Floral Necklace & Earring Set, at Marks & Spensers
2 part set Butterly stud fastening earrings Clasp fastening 'Y' necklace with adjustable length Mini floral design

Single Breasted Pinstripe One Button Jacket, at Marks n Spencer
Chic and stylish, this pinstripe jacket is tailored to fit and flatter. A great choice for work or smart occasions and it's machine washable for added convenience

Per Una 3/4 Sleeve Embellished Jersey Top, at Marks & Spencer
A beautiful jersey top, featuring a sequin and suedette ribbon neckline embellishment

Vienna Collection - Floor Lamp, at Marks&Spencer
Facetted glass curtain shade Chrome plated base Round base Dimensions: H161 x Diam 40cm Bulb: 100W GLS or 21W CFL, Manufacturer: Marks & Spencer

Orvieto Single Estate 2008 - Case of 12, at M&S
Style: Dry Grape variety: Mixed White Country of origin: Italy Closure: Synthetic closure 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

Pure Cotton Belted Cargo Trousers, at Marks and Spenser
Casual and relaxed, these stylish pure cotton belted cargo trousers are so comfortable and easy to wear. An effortless contemporary look that's fashionable, practical and easycare

Blue Harbour Pure Cotton Floral Print Shirt, at Mark & Spensers
Relaxed and stylish, this floral print shirt is made from pure cotton so it feels soft and comfortable to wear

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

Cotton Rich Lace Trim Leggings, at Marks & Spencers
Soft, stretchy and comfy, these fashionable cotton rich leggings are a wardrobe essential

There are lots of ways to save money using M&S Financial Services. Not least of these is Marks and Spencer Standard Car Insurance. With M&S Financial Services 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 Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks&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 Car Insurance from M+S Money, you get more, and you pay less.