When you're shopping at MarksandSpencer 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 M & S 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."

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the M & S 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 & Spencer, 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.

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.

Long Sleeve Zip Fastening Fleece Jacket, at Marks and Spenser
An essential part of any wardrobe, this great value fleece is warm and cosy. A fashionable and practical choice.

Floral Print Crook Handle Umbrella, at Marks & Spensers
Brighten up rainy days with this stylish lightweight umbrella

Autograph Quad Blusher, at Marks & Spencers
4 x blushers Includes compact mirror inside

Big Brother Star Medal Card, at Marks and Spencer
Cover text: I'm a BIG Brother!, For a special big Brother Inside message: Hello my new big Brother! I'm very glad you're here, A Brother to look up to, And grow with every year. Someone to keep me safe, And someone to play with too, Of all the Brothers in the world, I'm glad that I've got you! Approx size: 215 x 150mm

Summer Dawn Bouquet, at Marks and Spencer
Celebrate the arrival of warmer days with this beautiful summer dawn bouquet. It features four Vendela roses, three lilac Trachelium and five Prado Carnations Available for delivery from 1st April to 30th September 2009

5 Cotton Rich Low Rise Shorts, at Marks and Spenser
These low rise cotton rich shorts are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

High School Musical 2 - Disney Singalong CD, at Mark's & Spencer
Audio CD, Marks & Spencer

Body Padded Plunge Lace T-Shirt Bra, at Marks and Spenser
Smooth and versatile, this comfortable t-shirt bra is designed for a no-show look under your clothes

MoDA Carriages Bamboo Paper Blank Card, at Marks & Spencer
Cover text: Blank Inside message: Blank for your own message Dimensions: 150 x 150mm Our MoDA range has been screen printed onto paper made from bamboo. Bamboo is a truly sustainable and renewable resource as it's the fastest growing plant on the planet!

Wool Rich Single Breasted 2 Button Jacket, at Marks and Spencers
Smart and contemporary, this suit is made from a special wool rich fabric for extra strength, comfort and durability

Pure Cotton Straight Leg Trousers, at Marks and Spenser
A stylish smart-casual look, these straight leg trousers chinos are outstanding value! They're made from pure cotton which is comfortable, practical and easycare

Italian Collezione Pure Silk Wheat Tie, at Mark's & Spencer
Combining classic silk quality with a contemporary design, this stunning tie will make a valuable and versatile addition to your formal wardrobe. Made in Italy

2 Pairs of Frill Trim Assorted Tights, at Marks & Spencers
Stock up on stylish essentials with this pack of 2 assorted design tights

Ribbed Thermal Leggings, at Marks and Spencers
Keep your legs feeling warm during the colder months with these cosy thermal leggings. Pair with a skirt for a great winter look or wear them under your trousers for a snug extra layer

Wedding Gift Card, at Marks and Spenser
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card 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

Per Una Floral Print Blouse, at Marks & Spenser
A beautiful long sleeve blouse featuring fan cuff detail and bold floral print

Short Sleeve Nautical Top, at Marks and Spencer
A stripe print adds a pretty touch to this cotton rich top

Vinha da Urze Touriga Nacional Rosé 2008 - Case of 12, at Marks and Spenser
Style: Dry Grape variety: Touriga Nacional Country of origin: Portugal Closure: Synthetic closure 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

Molokai Stretch Bracelet, at Marks&Spencer
Assorted bead Stretch style

Leopard Print Cross Body Bag, at Marks&Spencer
Fashionable, comfortable and secure, this cross-body bag features an adjustable strap and multiple pockets. A practical and stylish accessory

Big & Tall Crease Resistant Flat Front Trousers, at Marks and Spencers
Stay smarter for longer with these innovative crease resistant trousers. They're machine washable and feature coin catcher™ pockets which stop change falling out. Perfectly proportioned for big and tall men

Flat Front Crease Resistant Trousers, at Marks and Spencer
Stay smarter for longer with these innovative crease resistant trousers

Panasonic 46'' TX-P46G10 Full HD Plasma TV with freesat HD, at Marks & Spencer
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 46 inch plasma screen, 2,073,600 (1,920 x 1,080) pixels Contrast ratio (in dark surroundings): Native 40,000:1, Dynamic 2,000,000:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: W113.2 x H76.7 x D40.1cm (with stand) H749 x 113.2 x 72.2 x 10.6cm (without stand) Weight: 32kg (with stand) 29kg (without stand) V-Audio with SRS TruSurround XT: V-Audio delivers crystal-clear sound with superior bass performance while the SRS TruSurround produces enhanced surrounding effects Connectors: 3 x HDMI, 2 Scart, PC Input, S-Video, Component Video Input, Headphone Jack VIERA Superior Picture Quality: The VIERA system provides richly expressed images with enhanced contrast and deeper natural colours, thanks to the wider x.v.Colour palette Digital Cinema Colour: Superb colour reproduction with 5,1200 steps of gradation Intelligent Frame Creation With 24p Playback: With 50Hz video signal input, the Intelligent Frame Creation achieves high moving picture resolution even in fast-motion scenes. 24p Playback creates high speed playback of images to recreate the full cinematic experience SD Card Slot: View your treasured photos on the big screen by simply removing your camera's memory card and sliding it into the SD card slot VIERA Link: Enables you to control all your AV systems with only one remote Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

M&S Luxury Stripe Panama Hat, at Marks & Spencers
A luxury straw panama hat, it is the perfect addition to any man's summer wardrobe, perfect for any occasion this beautifully woven summer hat has the classic diamond crown with pinch front and is accented by a contrast stripe band trim

Autograph Saddle Stitch Bootleg Trousers, at Marks and Spencer
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

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

Pure Cotton Dobby Stripe Nightshirt, at Marks and Spencer
Pretty and feminine, this dobby stripe nightshirt is made from soft breathable cotton for a comfortable night's sleep

Pure Cotton Short Sleeve Pyjama Top, at M+S
Pretty and feminine, this short sleeve pyjama top is made from soft breathable cotton for a comfortable night's sleep

Pure Cotton Long Sleeve Floral Print Top, at M+S
A floral print adds a pretty touch to this soft pure cotton top.

Clarendon 2-Seater Sofa, at Marks & Spencer
H91 x W202 x D103cm Seat H52cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that maintains the cushions' look and shape. Click here to Find out more 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 Feet are castors 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

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 & Spencer are so useful. M&S Financial Services financial products are, of course, designed to make Marks & Spenser 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 & Contents Insurance policies. Usually, UK Buildings & Contents 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 Financial Services Buildings & Contents 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 Financial Services Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.