When you're shopping at Marks & Spensers 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 & 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."

There are lots of ways to save money using M&S Financial Services. Not least of these is Marks&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 & Spensers, 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 Marks & Spencer Money, you get more, and you pay less.

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.

Tiga Console Table, at Marks&Spencer
H70 x W127 x D37cm 2 Shelves Made from sheesam wood Finished with a protective matt lacquer for added durability 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

V-Neck Block Stripe Jumper, at Mark & Spensers
Soft and comfy, this warm knitted block stripe jumper is outstanding value. A fashionable easycare style

Pure Silk Woven Multi Stripe Tie, at Marks & Spencer
Add a luxurious finishing touch with this smart multi stripe tie in pure silk

Square Neck Short Sleeve Tab Dress with Belt, at Mark's & Spencer
Chic and stylish, this square neck dress features tab detail. A great choice for work or smart occasions and it's machine washable for added convenience

Collezione Single Lock Leather Briefcase, at M+S
Sophisticated and luxurious, this leather briefcase is inspired by Italian style

Ruched Halterneck Swimdress, at Mark's & Spencer
Modern and shapely, this flattering swimdress is designed in the latest shape. The ultimate in poolside glamour

Leather Stitch Workbag, at Marks n Spencer
Fashionable and practical, this work bag is a useful accessory with bags of style!

High Impact Non-Wired Sports Bra, at Mark & Spensers
Offering the superior support and control you need for those high energy workouts. This high impact sports bra sets the pace for essential comfort, thanks to an easycare fabric and the shape retaining qualities of added stretch.

Hamilton 2 Seater Sofa, at Mark's & Spencer
H95 x W202 x D99cm Seat H49cm, arm H66cm, top back rail H73cm Seat cushions made from Quallofil Extralife filling. Click here for more information on Quallofil Extralife Cushions are reversible on fabric upholstery options Free swatch samples: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Signature Green Fig Fragrance Diffuser & Refill Plug-In, at Marks & Spencers
Changeable fragrance 15ml of fragranced liquid Lights up when in use This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Stripe Top, at Marks & Spencers
This fashionable top is made from super soft fabric that looks and feels great. Modern styling details give it a cool contemporary edge

3 Hair Remover Mitts, at Marks & Spencers
Pack of 3 Superfine surface exfoliates your skin while gently smoothing away Used regularly hair re-growth appears slower and less noticeable

Sauvignon Blanc VdP Val de Loire 2008 - Case of 6, at Marks & Spenser
Grape variety: 100% Sauvignon blanc Country of origin: France Closure: Natural Cork Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Mixed Bead Long Necklace, at M+S
Clasp fastening Adjustable length Mixed bead design Long length Necklace length: 92.5cm, extendable by 8cm

Harry & Sally Cute Wedding Card, at Marks&Spencer
Cover text: On your Wedding Day Inside message: With lots of love Approx size: Unfolded: 150 x 150mm

Linen Blend Safari Pocket Cropped Trousers, at Marks & Spenser
Smart and modern, these linen blend below-the-knee trousers are tailored for a chic contemporary look

Chunky Wave Ring, at Marks and Spencer
Plain Chunky design Wave detail

Antique Brass & Glass Console Table, at Mark & Spensers
H81 x W111 x D45cm Made of antique-effect solid brass tubing Tops made from toughened glass Legs made from solid brass tubing 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 , Manufacturer: Marks & Spencer

Longline Cable Knit Cardigan with Wool, at Marks & Spenser
Modern and stylish, this cardigan features a cable knit design. A contemporary look that will take you through the season in style

Baby Brother Duo 2 - Case of 6, at Mark's & Spencer
3 Chardonnay VdP Cteaux de Tannay 2008: Showing all the crunchy green apple fruit, citric acidity and pebbly minerality youd expect of a decent Chablis, this is a vibrant and characterful Chardonnay 3 Ctes du Rhne Les Closiers 2007: This full-bodied yet elegant red has firm tannins, engaging flavours of ripe plum and cherry fruit, together with a gentle, spicy persistence You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Ascensio Hard Large Rollercase, at Marks and Spenser
Built for durable practicality, this large rollercase features a robust ABS outer shell and locking trolley system to ensure your belongings are safely secure and easy to transport

Post Surgery Embroidered Padded Bra, at Marks and Spencers
Pretty and feminine, this embroidered bra is made from soft microfibre fabric and gives a gently supportive fit and a flattering shape. It features 2 secure prosthesis pockets

Autograph Pure Cashmere Long Sleeve Jumper, at Marks and Spenser
Elegant and feminine, this crew neck jumper is made from pure cashmere for the ultimate softness. Exclusive, luxurious and beautiful

Pure Cotton Short Sleeve Assorted Face T-Shirt, at Marks & Spenser
Cute and comfy, this practical pure cotton t-shirt features assorted face motif. The shoulder poppers make it easier to dress him

Older Boys' Holiday Flip Flops, at Marks and Spencer
Flat sole Plain

We're Going On A Bear Hunt, at Marks&Spencer
This worthy winner of the Smarties prize in 1989 is a timeless classic that is enjoyed by children of all ages. A journey through grass, a river, mud, and other obstacles leads to finding a bear!

Blue Harbour Swimming Briefs, at Marks and Spencer
Practical and fashionable, these swimming briefs give a comfortable, flattering and secure fit

Coin Detail Straw Holiday Bag, at Marks and Spencers
Stylish and useful, this shopping bag features a straw design. A practical and fashionable accessory

Autograph Monroe Bedstead with TV Option, at Marks n Spencer
Headboard H102cm, endboard H96cm, underbed H13cm Double: W144 x L246cm King: W159 x L256cm Super king: W189 x L256cm Upholstered with real leather Mattress sold separately Designed for use with M&S 26'' and 32'' TVs and Sony Bravia 32'' 3000S & 3000D. Maximum TV depth: 115mm. Other makes and models may not attach to the rise/fall mechanism TV and DVD player sold separately Scart leads sold separately (5m lead recommended) TV requires a 3-plug extension lead to connect to fixed plug socket. Extension lead sold separately. (5m lead recommended) TV requires an aerial cable to connect to the aerial socket in the room. Aerial lead sold separately Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Delivered flatpack due to size This product is not available for international delivery. Find out more Access to scart sockets is hindered by the rise/fall mechanism of this bed. M&S recommends that customers have 2 scart leads available for installation by the delivery team in case a DVD player or cable TV box is desired at a later date Customers should consider the position of TV aerial connections and power source in the room, Manufacturer: Marks & Spencer

3/4 Sleeve Pleated Mock Layer Top, at Marks & Spencer
It's the stunning pleat detail that makes this fashionable mock layer top the perfect way to get this season's look

M&S Financial Services 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 Financial Services 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 & Spencers 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 Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.