When you're shopping at Marks & Spenser 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 Car Insurance, there's a lot more going on at Marks and 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."

There are lots of ways to save money using M+S Money. Not least of these is Marks and Spencer Standard Car Insurance. With M+S Money 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 Money, 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 Direct, you get more, and you pay less.

M+S Money offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately M+S Money Car Insurance is not like that at all, and when you compare M&S Car Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Marks and Spencer 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car Insurance plans from companies such as Direct Line, Sainsbury's, 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 Car 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.

Big & Tall Blue Harbour Knee Length Trekking Shorts, at Marks & Spencers
These classic shorts are an excellent addition to any causal wardrobe thanks to a smart, easy to wear design. Team with a long sleeve shirt or plain tee for an effortless summer look

Multi Strand Beach Treasure Necklace, at Marks & Spensers
3 strand style Adjustable length Clasp fastening Mixed bead design Necklace lengths: 40cm, extendable by 7.5cm

Paradiso Shiraz 2008 - Case of 12, at M & S
Style: Dry, fruity Grape variety: Shiraz (Syrah), Cabernet Sauvignon 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

Anti-Allergy All Season Duvet, at Marks & Spencers
Endorsed by the British Allergy Foundation Proven protection wash after wash Perfect for use with our range of anti allergy duvets, pillows and protectors Easycare fabric Available in 4 sizes, Manufacturer: Marks & Spencer

Nanny Goat Pinot Noir 2006, Central Otago - Case of 6, at Marks and Spencers
Style: Dry and full bodied Grape variety: Pinot Noir Country of origin: New Zealand Closure: Screw cap Suitable for vegetarians Bottle: 6 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

Per Una Floral Applique Layered Blouse, at M&S
An elegant layered blouse featuring floral applique detail

Detroit Extending Dining Table & 6 Alton Scroll Back Chairs Set, at Marks and Spencer
7 piece set Table: H75 x W90 x L160cm (extends to L205cm) Chair: H99 x W46 x D56cm Table seats 6-8 Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs Table top panel made from oak veneer with a solid oak edging for strength 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 manufacturer's instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Blush Eau De Toilette Purse Spray 25ml, at Marks and Spencer
Eau de toilette perfume 25ml This product is not available for international delivery. Find out more

Geneva Large 2-Seater Sofa, at Marks and Spencer
H88 x W214 x D96cm Seat H49cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam in a fibre wrap - 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 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™ - 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 08457 624 624 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Sprung-Edge Divan on Legs & M400 Mattress - Medium, at Marks & Spenser
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: 24cm Divan height: 31cm Mattress filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give the mattress edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs Pocket sprung mattresses give a flexible feel Mattress spring count: 1054 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

Mechanical Waterskiing Owl and Mouse Birthday Card, at Marks & Spencer
Cover Text: Have a 'splashing' time! Inside Message: On your birthday Approx size: 135 x 135mm

Limited Collection Low Strap Shoe, at Marks and Spencer
Round toe Mid heel Buckle fastening Comes in sizes 3-8, including half sizes

My First Nursery Rhyme Book, at Marks and Spencer
Suitable for ages 0-3 years Classic nursery rhymes to share This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Per Una Double Breasted Nancy Mac, at Mark's & Spencer
A fabulous double breasted mac in stretch cotton. Weave design button details give it the Per Una touch

Pure Cotton 3/4 Sleeve Crinkle Kaftan, at Marks and Spencer
Feminine and delicate, this kaftan is designed to fit and flatter. The ultimate in poolside glamour

Perfect Modal Blend Long Sleeve Jersey Top, at Marks & Spencer
The perfect long sleeve tee, in beautifully soft pima cotton modal. Wear it as a weekend basic with jeans, or go for some layered style

Linen Blend Tie Waist Crop Trousers, at Marks & Spencer
Fresh and fashionable, these linen blend cropped trousers look chic with wedges, sandals or flat pumps

Per Una Stripe Bolero with Vest, at Marks & Spenser
A fashionable 3/4 length sleeve bolero with stripe design. It comes with a matching plain vest

Stainless Steel Food Timer, at Marks and Spenser
Twist setting timer, Manufacturer: Marks & Spencer

Limited Collection Zip Shoulder Jersey Tunic, at Marks&Spencer
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Formal Square Buckle Belt, at Marks and Spencers
With a versatile design perfectly suited for special occasions and everyday office wear, this sleek belt is sure to become a staple part of your formal wardrobe

There Was An Old Lady Who Swallowed A Fly, at Mark's & Spencer
First published thirty years ago, the Classic Books-with-Holes have become known and loved world-wide, ingenious die-cut holes bring the old Lady who swallowed a fly to life, and Pam Adams's illustrations are beautifully funny and charming

2 Limited Collection Cotton Rich Spot Print Shorts, at Mark's & Spencer
Fabulous and modern, these shorts are part of our Limited Collection lingerie. Theyre made from soft stretch cotton and designed to fit and flatter. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Feather Patch Lilac Bedset, at Marks and Spenser
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 Embroidered feather patch design

Mechanical Waterskiing Owl and Mouse Birthday Card, at Marks and Spencer
Cover Text: Have a 'splashing' time! Inside Message: On your birthday Approx size: 135 x 135mm

Classic Collection Pure Cotton Beaded Neck Top, at MarksandSpencer
Modern and stylish, this versatile top is made from soft easycare fabric and features beaded neckline. A fashionable style with a comfortable, flattering fit

Maternity 3/4 Sleeve Wrap Jersey Dress, at Marks and Spencers
Fashionable and modern, this 3/4 sleeve wrap dress is designed to flatter you and your bump. Added stretch and a clever cut give a neat, comfortable fit with room for growth. Enjoy your pregnancy in style!

Autograph Embroidered Round Neck Top, at Marks and Spenser
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

Pure Cotton Long Sleeve Stripe Hooded Jumper, at M & S
Soft and comfy, this long sleeve hooded jumper is made from pure cotton and features a stripe design. A practical easycare style

Flowers by Post - 10 Longiflorum Lilies, at Marks and Spencer
Classically elegant, these beautiful lilies give long-lasting beauty and fragrance. Flowers by Post is a great value way to spoil someone you know - or yourself

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 Spencers are so useful. M+S Money financial products are, of course, designed to make Marks & 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, 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.