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 Money. Offering everything from savings accounts and credit cards, to Property Insurance and Car Insurance, there's a lot more going on at Marks & 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 & 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 Mark's & 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.

Besides M+S Car Insurance, M&S Money Credit Cards and other financial products, M&S Money Property Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Money Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks and Spencers purchases are also protected while you take them home.

Also, on both M&S Money Premier Property Insurance and Standard Property Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

Pure Cotton Dino Top & Joggers Outfit, at Marks & Spenser
Soft, comfy and cute, this top and joggers outfit is outstanding value!

Little Oxford English Reference Set, at Marks and Spenser
The Oxford English reference set is the perfect package to help them ace their essays and to prepare for their next exam

Light Up Mirror Compartment, at Marks and Spenser
Prop up compartment Internal double mirror Square shape

Toy Torch, at M&S
Plastic Wide handle Bulb and LED lights Battery operated Suitable for ages 3-6 years H21 x L25 x W12cm, Manufacturer: Marks & Spencer

Nintendo DS™ LEGO® Batman®: The Videogame, at MarksandSpencer
Fight for justice as Batman and Robin or create chaos as The Joker, Catwoman and other villains, as you save or wreak havoc in Gotham City Rocket through sewers and bound across rooftops as you take the fight to the criminals across classic locations in Gotham City Fight on land, sea and in the air using a number of powerful Batman, Robin and villain-controlled vehicles, including the rocket-powered Batmobile, sleek Batboat and stealthy Batwing Enhance the abilities of the Dynamic Duo by unlocking Batman's Demolition, Sonic and Glide suits and Robin's Gravity, Magnetic and Dive suits to help fight Gotham's villains Play through the game in Story Mode from both the hero and villain sides The Nintendo DS version will offer touch screen interaction, and two-player co-op using the DS local wireless network capability You must be 7 years of age or over to purchase this product 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, Platforms: Nintendo DS, ESRB Rating: Kids to Adults

Pure Cotton Crew Neck Sweat Top, at Marks and Spencer
Relaxed and comfortable, this cotton rich sweat top is outstanding value!

Chrome Wall Clock with Temperature Gauge, at Mark & Spensers
Circular design Wall mountable Numeric characters Temperature gauge Diam 52cm, Manufacturer: Marks & Spencer

DeLonghi EC710 Espresso Coffee Maker, at Marks & Spensers
Exclusive stainless steel body pumped espresso machine High performance 15 bar pump pressure ensures best tasting espresso / cappuccino with no limit to the number of cups produced 1.3 litre removable water reservoir with water level indicator Stainless steel espresso boiler for longer life ''Cappuccino System'' mixes steam, air and milk, producing a rich, creamy froth for a great cappuccino Comes with two filter holders, a new 'never fail' crema filter holder for normal ground coffee, the other for the 'easy serving espresso' pods and free Illy pods Self-priming system means the machine is always ready for use Separate steam and espresso thermostats Active cup warmer Accessories storage for a tidier kitchen Incorporated coffee tamper On/off switch with indicator light 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 , Manufacturer: Marks & Spencer

2 Bali Paper Loom Weave Dining Chairs, at Marks and Spencers
H104 x W50 x D64cm Seat H43cm Sold as a pair Mango wood frame with cushioned seat This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Perfect Limited Collection Buckle Boots, at Marks&Spencer
Round toe Top and ankle buckle feature Stitch detail Heel height: 51mms Comes in sizes 3-8, including half sizes

First Reader Gingerbread Man Book, at M+S
This popular story is part of the First Readers range. The Gingerbread man has runaway and can't be caught - or can he?

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

Welcome Reds - Case of 12, at Marks&Spencer
2 Domaine Lafage VdP des Ctes Catalanes 2007 2 Campo Bravo Rioja Vendimia Seleccionada 2007 4 Santa Gloria Merlot 2008 4 Villagio, Negroamaro Puglia 2008 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 Frill T-Bar Shoes, at Marks and Spencer
Round toe Buckle fastening T-bar design Frill detail Mid heel Heel height: 7.5cm Comes in sizes 3-8, including half sizes Made with Insolia technology, an exclusive innovation that makes high heels more comfortable to wear and better for your body's alignment and balance. They work by taking the weight off your toes, so there's less pressure and more stability. Your legs, back and feet stay more comfy all day

Gold Label Cabernet Sauvignon 2008 - Case of 12, at Marks & Spencers
Style: Dry, medium bodied Grape variety: Cabernet Sauvignon Country of origin: France Closure: Synthetic closure Suitable for vegetarians Bottle: 12 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

Cashmilon™ Long Sleeve Jumper, at Marks and Spencer
Fashionable and flattering, this plain jumper is made from supersoft cashmilon™ and features long sleeves

Cool Soft Cotton 4.5 Tog Duvet, at Mark & Spencers
4.5 tog Naturally breathable, keeping your body refreshed Pure cotton cover and filling Available in Single (3ft), Double (4ft 6in), King size (5ft) and Super King size (6ft), Manufacturer: Marks & Spencer

Autograph Stainless Steel Solid Spoon, at Marks & Spenser
Stainless steel Dimensions: W6.5 x L35cm, Manufacturer: Marks & Spencer

The Floral Collection Magnolia Gift Set, at Marks&Spencer
Magnolia frangrance Presented in gift purse Moisturising Hand and Body Lotion 50ml Moisture Rich Foaming Bath Cream 50ml Moisture Rich Shower Cream 50ml

In Bloom Honeysuckle & Jasmine Moisture Rich Body Wash, at MarksandSpencer
Body wash Moisturising 225ml This product is not available for international delivery. Find out more

Ringed Hipster Bikini Bottoms, at Marks n Spencer
Feminine and pretty, these fashionable bikini briefs features a side tie detail. A fabulous fashionable look

Pure Cotton Shark Stripe T-Shirt, at Marks & Spensers
A practical, casual top in pure cotton featuring a stylish shark stripe design. A great value easycare style

Farmyard Chase Book, at Marks & Spensers
''Mother Hen is sitting on an egg. One morning she pops off to find some grain to eat, and her egg rolls away - the farmyard chase begins! Horse, Pig, Sheep and Cow all try to help, but what will happen to Mother Hen's precious egg?''

3 Enamel Diamanté Photo Frames 5 x 8cm (2 x 3''), at Marks & Spencer
Diamant detail Beaded trim Aperture: 5 x 8cm (2 x 3''), Manufacturer: Marks & Spencer

Per Una Pure Cotton Panelled Skirt, at Marks and Spencer
A fashionable mid-calf length skirt in pure soft cotton. Horizontal pleat detail makes it extra stylish

First Readers Goldilocks & the Three Bears, at Marks&Spencer
Based on the traditional folk tale 'Goldilocks and the Three Bears', this vibrantly illustrated story is sure to become a favourite in every home. Follow the naughty Goldilocks into the house of the three bears, and see what happens when they come home and find her!

Yellow & Pink Glitter Floral Birthday Card, at Marks & Spenser
Cover Text: Birthday Inside Message: Blank for your own message Approx size: 150 x 150mm

Classic Collection Pure Cotton Mock Layer Rugby Top, at Marks & Spencer
A modern essential, this soft cotton rugby top is fashionable and comfortable, and it's great value too. Perfect with casual trousers, jeans or skirts for effortless casual style

Artificial Mini Orchid in Square Mirror Glass Vase, at Marks&Spencer
Artificial orchid Mirror glass vase Ready made arrangement that needs no after care H58cm, Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve 'Ben 10' T-Shirt, at Marks & Spensers
Fans of Ben 10 will love this short sleeve cotton t-shirt featuring the popular character. A practical, easycare style

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