When you're shopping at Marks & 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 Buildings & Contents 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."

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 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, 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 Money 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 Money Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

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 & Spenser, through its M+S Money website, offer a range of financial products which would not look out of place in many banks, including M&S Car 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.

Collezione Pure Cotton Long Sleeve Rib Stripe Shirt, at Marks and Spencer
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this shirt to give you a feeling of luxury like no other

Autograph Weekend Cotton Rich Straight Leg Jeans, at Marks and Spencers
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Machine Washable & Tumble Dry Single Breasted 3 Button Stripe Jacket, at Marks & Spensers
Put an end to expensive trips to the dry cleaner with our innovative Machine Washable range. Each suit's stylish cut and fit is combined with high quality fabric that can be machine washed and tumble dried

Classic Collection Pure Cotton Short Sleeve Jersey Top, at Marks & Spensers
Modern and stylish, this versatile top is made from soft easycare fabric and features a scarf neck design. A fashionable style with a comfortable, flattering fit

5 Assorted Design Rings, at Marks and Spencer
Pack of 5 Assorted designs Gift boxed

Autograph Pure Cotton Stripe Shirt, at Marks & Spencers
Stylish and contemporary, this pure cotton stripe shirt is part of our luxurious Autograph collection. The fabric has been created exclusively for us to tie in with this seasons key looks, so you wont find it anywhere else"

Mother's Day Cupcake Jotter Box, at Marks&Spencer
1 jotter box 1 block of paper 1 pencil H100 x Diam 125mm

Footglove™ Cutout Pumps, at Marks and Spenser
Round toe Cut out design Slip on Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Luxury Non-Iron Pure Cotton Stripe Shirt, at Mark's & Spencer
The superior quality, cut and detailing on this luxurious pure cotton shirt are inspired by Jermyn Street tailors. A sophisticated style with a great fit

BT Studio 3100 Trio Cordless Phones, at Marks and Spencer
50 name and number phonebook Assign melodies to specific phonebook entries Caller display with up to 40 number calls list Call waiting 10 last number redial and recall Secrecy facility allows you to talk to someone else in the room without the caller hearing Earpiece, base station and handset ringer volume control Choice of 5 handset and 5 base ringer melodies Display language options Keypad lock Preparatory dialling and paging Talk time up to 10 hours, 30 minutes/standby time up to 160 hours Range of up to 300 meters outdoor/50 meters indoors Switchboard compatible Tone and pulse dialling and dialling pause GAP compatible (register up to 4 handsets to one base) - internal calls, call transfer, 3-way calling Includes: 3 phones and matching bases, 6 rechargeable batteries, 3 mains power adaptors, 3 telephone line cords 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

M&S 19'' HD Ready LCD TV with Built-in DVD Player - Pink, at Mark & Spencers
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display:19 inch flat screen, resolution: 1440 x 900 pixels Contrast Ratio: 500:1, Dynamic Contrast Ratio: 4000:1 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: H41 x W46 x D20.5cm Sound: Nicam stereo Connectors: 1 x HDMI input, 1 x Scart socket DVD Player: Built-in DVD player 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount T042100 to perfectly mount this TV This product is not available for international delivery. Find out more

Pure Cotton Satin Rose Duvet Cover, at M+S
Embroidered rose detail Slim pleat trim, Manufacturer: Marks & Spencer

Pendolino Recliner, at Mark's & Spencer
H104 x W71 x D97cm Reclines to L158cm Seat: H49cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 dark finish Manual recline mechanism for extra relaxation 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 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

Pure Cotton Short Sleeve Crochet Design Top, at Marks and Spencer
Chic and modern, this short sleeve top is made from cool comfortable cotton and features a crochet design

3 Cool & Fresh Cotton Rich Assorted Trunks, at M+S
Made from soft breathable cotton, these comfy trunks are ideal for everyday wear.

Autograph Addison Side Table, at Marks and Spenser
H55 x W40 x D40cm With 1 drawer Made from American Black Walnut solids and veneers, with Beech veneer on unseen faces Finished with 2 coats of durable, clear lacquer of mid sheen Drawer pulls are solid wood due to their shape All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings 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

Royal Jelly & Pure Honey Moisture Rich Cream Bath, at Marks & Spencer
Moisture rich Natural skin nutrition Vitamin enriched 400ml

Patent Faux Crocodile Skin Belt, at Marks & Spenser
Define your waistline with this fashionable patent faux crocodile skin belt

Chrome Collection Towel Holder, at Marks and Spencer
Polished finish H11.5 x W19.5 x D6cm, Manufacturer: Marks & Spencer

Ella Headboard, at M&S
Single: W90cm Single: Headboard: H105cm Double: W135cm King size 5ft: W150cm Super king size 6ft: W180cm Double, king-size and super king-size: Headboard H132cm Designed to fit most standard divans Mattress and divan sold separately Supplied with all fittings Please note: This bedstead is not suitable for children under the age of 6 years 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

Aigle Noir Pinot Noir 2007 - Case of 6, at MarksandSpencer
Style: Medium bodied Grape variety: Pinot Noir Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Autograph Glass Sphere Table Lamp, at Marks and Spencers
Fabric shade Glass sphere feature Round base, Manufacturer: Marks & Spencer

5 Younger Girls' Pure Cotton Hello Kitty Briefs, at Marks and Spencers
Cute and trendy, this 5 pack of pure cotton briefs feature assorted Hello Kitty designs

Pure Cotton Scenic Print Top, at Marks & Spencers
A scenic print makes this soft cotton top extra cute

Only Fools and Horses 50th Birthday Card, at Marks and Spencer
Cover text: Have a cushty birthday 50 Inside message: Have a teriffic time! Approx. size: 230 x 114mm

Younger Boys' Leather Gusset Detail Boots, at Marks & Spenser
Round toe Stitch detail Gusset feature Zip fastening Flat grip sole Comes in sizes 10-13

Pure Silk Ethnic Spot Print Tie with Stain Defence™, at Marks and Spenser
Add a luxurious finishing touch with this smart ethnic spot print tie in pure silk

Portfolio Tencel® Crosshatch Trousers with Linen, at Marks and Spencer
Part of Portfolio's Set Sail trend. Fresh and breezy, this sophisticated look features classic styling with vibrant accents of summertime pinks and blues. Feminine and coordinated designs for the new season

Poached Dressed Scottish Lochmuir™ Salmon, at Mark's & Spencer
Serves 8 Ready to eat 1.1kg As featured on page 24 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Gold Plated Tubby Clip Earrings, at Marks & Spencers
Clip-on style Gold plated This product is not available for international delivery. Find out more

There are lots of ways to save money using M+S Money. Not least of these is M & S 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 & Spencers, 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.