When you're shopping at M&S 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 House Insurance and Motor Insurance, there's a lot more going on at MarksandSpencer 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."

Besides Marks & Spencer Motor Insurance, M+S Money Credit Cards and other financial products, M+S Money House 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 Mark's & Spencer purchases are also protected while you take them home.

Also, on both M+S Money Premier House Insurance and Standard House 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.

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

Catseye Goblet Necklace, at Marks & Spencer
Catseye pendant Adjustable length Lobster clasp fastening Necklace length: 53cm

Limited Collection Cotton Rich Double Breasted Mac, at Marks and Spencer
Part of Limited Collection's Sahara City trend. Wild and natural with a slick cosmopolitan edge, this trend features modern graphic prints, statement pieces and a warm colour palette

His & Hers Card Game, at M&S
Number of players: 2 teams, 2 female players, 2 male players Suitable for ages 14+ Pack contains: 60 male question cards, 60 female question cards, score pad, pencil, sand timer and instructions Approx. card size: 89 x 59mm This product conforms to the EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Plain Lightweight Umbrella, at Marks & Spencer
Lightweight and easy to carry, this slimline umbrella provides you with effective protection from those sudden downpours

Pure Wool Orbit Rug, at Mark's & Spencer
Rectangular Orbit pattern Small: 80 x 140cm Medium: 120 x 180cm Large: 160 x 230cm, Manufacturer: Marks & Spencer

Low Rise Pinstripe Shorts, at Marks and Spencer
These pretty pinstripe shorts are shapely and modern. Added stretch gives a comfortable, figure-flattering fit

Per Una Linen Blend Lightweight Jacket with Scarf, at Marks & Spensers
A smart single breasted lightweight jacket in a cool linen blend fabric. A woven scarf makes it extra stylish

Self Stripe Pintuck 3/4 Sleeve Blouse, at Marks & Spencer
Elegant and stylish, this self stripe top features a striking pintuck detail for a fabulous feminine look

Limited Collection Plunge Plain Padded T-Shirt Bra, at Marks and Spenser
Fun and fabulous, this t-shirt bra is part of our Limited Collection lingerie. It's perfectly smooth so you won't get any visible lumps and bumps under your clothes. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Stain Defence™ Belted Bootleg Turn-Up Trousers, at Marks & Spencer
Smart and modern, these easycare bootleg trousers make a practical choice for school. They're treated with our unique Stain Defence™ finish which repels stains

2 Pairs of 15 Denier Shine Bodyshaper Tights, at Marks and Spenser
Bodyshaper tights are made to shape and lift your curves for a firm sculpted look. Added stretch moulds your figure for a more defined silhouette

Burgundy Pair - Case of 6, at Marks and Spencer
3 Bourgogne Chardonnay 2007: A fresh and fruity well-balanced white Burgundy, with delicious flavours of citrus fruit and apricot... 3 Bourgogne Pinot Noir 2007: A temptingly smooth and fruity red wine from Burgundy. It has a lively aroma, fresh flavours of strawberries, raspberries and plums... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Firm Control Smooth Magic High Leg Knickers, at Marks and Spencer
These knickers work like magic with targeted control areas to shape you where you need it most - flattening tummies and lifting bottoms for a sleek, streamlined silhouette. They're comfortable, breathable and easy to move in and a special finish keeps you cool and dry

Stainless Steel Apple Corer, at Marks & Spenser
Stainless steel Slices apples into eight pieces L15cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

12 Cup Muffin Tray, at Marks and Spencer
Ideal for baking sweet or savoury muffins Heavy gauge easy to clean bakeware Premium non-stick coating Soft grip handles L18 x W26.5cm, Manufacturer: Marks & Spencer

Geneva Extra Large 2-Seater Sofa, at Marks and Spencer
H88 x W244 x D96cm 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 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& trade; - 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

Polka Dot Shoes Medium Gift Bag, at Mark & Spencers
1 gift bag Approx size: H260 x W200 x D90mm

Saint Bris Sauvignon Blanc 2008 - Case of 12, at Mark's & Spencer
Style: Dry Grape variety: Sauvignon Blanc Country of origin: France Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Blue Harbour Pure Linen Multi Stripe Shirt, at Marks and Spencer
Relaxed and stylish, this multi stripe shirt is cut for a great fit. It's made from pure linen so it feels cool and comfortable to wear

Spot Design Shower Curtain, at Marks and Spencers
Spot print design, Manufacturer: Marks & Spencer

3 Pure Cotton Classic Briefs, at Marks and Spencer
Easy to care for cotton and a classic cut ensures these comfy briefs are a staple part of any underwear drawer

Mesh Trim Full Cup Non-Wired Sports Bra, at Mark's & Spencer
Offering the superior support and control you need for those high impact workouts. This sports bra sets the pace for essential comfort thanks to an easycare fabric and the shape retaining qualities of added stretch

Autograph Square Porcelain Soap Dispenser, at Marks and Spenser
H18 x W7 x D7cm Pump action Stripe design at the base, Manufacturer: Marks & Spencer

3/4 Sleeve Stripe Pintuck Top, at M&S
This fabulous 3/4 sleeve top features a stunning stripe design. A vibrant new look, perfect for this season

Its A Groove Thing CD, at Marks & Spensers
Album, Marks & Spencer

Collezione Leather Brogue Shoes, at Marks & Spencer
Pointed toe Punch feature Stitch detail 5 eyelets Lace-up Block heel

Planted Orchid, at M&S
Simply stunning, this white, double-stemmed phalaenopsis orchid is planted and dressed with brushed twigs in a chic, silver ceramic pot Available for delivery from 1st April to 30th September 2009

Age Repair Intensive Collagen Treatment Mask, at Marks & Spencers
Helps rebuild the skins protective barrier Helps protect the skin from damaging environmental factors Ceramide Complex leaves skin hydrated, smoothed and firmer Hypoallergenic 75ml

M&S HP 27 Compatible Cartridge, at Marks and Spencer
Black cartridge Compatible with HP printers using HP 27 For use in deskjet: 3320, 3325, 3420, 3425 series, 3520, 3535, 3550, 3645, 3650, 3745, 3845, 5650, 5652, 5655, 5850, For use in officejet: 4215, 4219, 4252, 4255, 4315, 4355, 5605, 5610, 5615, 6110 For use in PSC: 1210, 1215, 1217, 1219, 1311, 1312, 1315/s, 1317 This cartridge is not an original product but has been re-manufactured and refilled to the most exacting standards 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

3 Pack of 40 Denier Opaque Tights, at Mark & Spencers
Complete with a reinforced toe and added stretch for lasting comfort and durability, these opaque tights are the perfect choice for giving your legs a wonderfully attractive sheen

There are lots of ways to save money using M+S Money. Not least of these is Marks and Spenser Standard Motor Insurance. With M+S Money you can keep the cost of your Motor 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 Motor Insurance cover from M+S Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks and 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 Motor Insurance from Marks & Spencer Money, you get more, and you pay less.