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 Buildings & Contents Insurance and Motor Insurance, there's a lot more going on at Marks & Spensers 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 & 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 n Spencer, 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 Buildings & Contents 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 Buildings & Contents 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 & Contents 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.

Limited Collection Cotton Rich Double Breasted Mac, at Marks and Spencer
Part of Limited Collection's Sahara City trend. Wild and natural with a slick cosmopolitan edge, this trend features modern graphic prints, statement pieces and a warm colour palette

Autograph Milan Soap Dish, at Marks n Spencer
Dipped centre Wall mounted Approx size: W10.6 x L7 x D1.3cm, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Hooded Jacket, at Marks & Spencer
Comfy and cosy, this hooded jacket feels soft and warm and is great value. A practical, easycare style

Long Sleeve Cowl Neck Fleece Top, at Marks and Spencers
Want style and comfort? This cowl neck fleece top looks fashionable and will keep you feeling warm, cosy and snug.

Blue Harbour Luxury Pure Cotton Tonal Stripe Shirt, at Marks and Spencer
Stylishly smart casual, this comfortable shirt looks great dressed up or down

Snow White and The Seven Dwarfs Activity Sticker Book, at Mark's & Spencer
First Reader sticker books are a fun way to help develop your child's early reading skills. With over 60 stickers, they provide interactive learning fun, promoting word prediction & joining in. The sticker books support the First Readers story books

3 Big & Tall Authentic RealCool Cotton™ Keyhole Trunks, at M & S
Specially designed to keep you cool and dry, this high performance fabric ensures perspiration is drawn away from the body for rapid evaporation. Soft seams and added stretch create a snug, comfortable fit

3 Easycare Short Sleeve Shirts, at Mark & Spencers
This 3 pack of easycare short sleeve shirts is outstanding value! A school essential

Stormwear™ Faux Fur Multi Pocket Hooded Parka, at Marks & Spencers
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

Big & Tall Flat Front Wool Blend Trousers, at Marks & Spencer
Smart and stylish, these trousers are made from a hardwearing wool blend with stretch. Perfectly proportioned for big and tall men

Oscar Wardrobe, Changing Unit, Cot Bed & Open Coil Sprung Mattress Set, at Marks & Spenser
*Save 25% when you buy this set. Individually 859. Save 237. Cannot be used in conjunction with any other offer 4 piece set Wardrobe: Hanging rail, 2 shelves, 1 draw - H180 x W96 x D55cm Changing unit: 4 drawers - H103 x W90 x D55cm Cot Bed: H89 x L147 x W82cm Cot under bed drawer: H12.5 x W132.5 x D65cm Cot converts into a junior bed suitable for children up to age 5 Cot has fixed sides with 3 optional height positions for the base Mattress: Spring count 90 - L140 x W70 x D15cm Mattress has hygienic, moisture-resistant covering and fully conforms to current safety standards All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings 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

Seam Detail Bootleg Trousers, at Marks & Spencers
These bootlegs are designed to skim the hips and thighs and gently flare to give a flattering long-legged look. Practical as well as stylish, they're machine washable for added convenience

Pure Silk Assorted Stripe Tie, at Marks and Spencer
Add a luxurious finishing touch with this smart assorted stripe tie in pure silk

Artificial Orchid Spray in Ceramic Bowl, at Marks & Spencer
Artificial orchid Ceramic bowl H75cm, Manufacturer: Marks & Spencer

Assorted Bead Long Necklace, at Marks and Spencer
Necklace length 102cm, extendable by 8cm Clasp fastening Adjustable length Assorted bead design

Blue Harbour Tropical Floral Swim Shorts, at Mark & Spencers
Practical and fashionable, these swimming shorts give a comfortable, flattering and secure fit

Large Lines Flared Vase, at Marks & Spensers
Large opening Cut circular design Broad base W16.8 x D16.8 x H35cm, Manufacturer: Marks & Spencer

2 Piece Pure Cotton Tie Waist Joggers, at Mark & Spencers
These cute joggers are outstanding value. Hardwearing, practical and comfortable

Antique Brass Collection Side Table, at M+S
H51 x W50 x D41cm Made from antique-effect solid brass tubing Legs made from antique-effect solid brass tubing Tops made from toughened glass Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself This product is not available for international delivery. Find out more SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Antique Brass Collection Set. , Manufacturer: Marks & Spencer

Cotton Rich Dora the Explorer Pyjamas, at Mark's & Spencer
A must for fans of Dora The Explorer, these pyjamas feature a round neck top and striped bottoms

Blue Harbour Luxury Pure Cotton Double Face Stripe Shirt, at Marks & Spencers
Relaxed and stylish, this bold double face stripe shirt is made from pure cotton so it feels soft and comfortable to wear

WALL-E DVD, at M&S
Rating Universal, suitable for all,

Pure Cotton Satin Rose Pillowcase, at Marks & Spenser
Rouched floral panel Slim pleat trim, Manufacturer: Marks & Spencer

Portfolio Mosaic Bead Necklace, at M & S
Clasp fastening Adjustable length Mosaic bead design Necklace length 81cm

A Touch of Class, at M+S
Veuve Hennerick Champagne (75cl, 12% alc vol) Belgian chocolates (155g) Presented in blue satin lined box with a pull-out tray for chocolates Price includes delivery Licensing Act 2003: it is an offence for any person under 18 years to buy or attempt to buy alcoholic liquor Looking to place a corporate bulk order? Please call 0845 6020602 This product is not available for international delivery. Find out more

Twinkle Jet Trio Stud Earring Set, at Marks&Spencer
3 pairs Butterfly fastening For hygiene reasons, refunds will only be given in accordance with your legal rights

Pure Cotton Chocolate Blocks Design Towel, at Marks and Spenser
Chocolate blocks design, Manufacturer: Marks & Spencer

Per Una Sleeveless Faux Fur Gilet, at Marks & Spensers
A stylish gilet featuring a faux fur collar and finished with front and rear seam detail

Plain Black Flexilite Umbrella, at Marks and Spencers
Lightweight and easy to carry, this slimline umbrella provides you with effective protection from those sudden downpours

Rosina 2-Seater Sofa, at Mark & Spencers
H82 x W174 x D97cm Seat H45cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a medium finish All of our fabrics are treated with Stain-Defence& trade; - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the Mark's & Spencer online store. Here are just some of the financial products which can be purchased via the M&S Financial Services website:

• M&S Insurance: M&S Motor Insurance, M&S Buildings & Contents Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks and Spencers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Financial Services in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Financial Services website.