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 M & S 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 Mark's & 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, 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.

There are lots of ways to save money using M&S Money. Not least of these is Marks & Spencers 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 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 Car Insurance from M+S Money, you get more, and you pay less.

Collezione Luxury Centre Crease Trousers with Silk, at Marks & Spenser
Smart and stylish, these centre crease trousers are made from cotton rich fabric with silk for a touch of luxury. A practical, hardwearing and fashionable choice

T397706, at Marks and Spencer
Manufacturer: Marks & Spencer

Padded Walking Socks with Wool, at M+S
These comfortable cushioned walking socks are specially designed to prevent blistering and protect feet from impact

Nintendo Wii™ Console, at Marks n Spencer
Includes wireless Wii Remote and Wii Nunchuk Includes Wii™ Sports (bowling, boxing, baseball, tennis and golf) game suitable for ages 7+ Wii™ Tennis: Swing the controller like a racket - the game will register forehands, backhands, volleys, lobs, slices, spin and power depending on how fast you swing and at what angle Wii™ Boxing: Using the Nunchuk controller as one glove and the Wii Remote as the other, players dodge, weave and punch their opponents Wii™ Golf: Hold the controller like a golf club and swing naturally to smack the ball onto the green Wii™ Bowling: Players raise the Wii Remote in their hand just like a bowling ball, and then swing their arms to roll the ball Wii™ Baseball: Grip the controller like a bat and hit fastballs out of the park Create a Mii Create and play as your very own Mii as you work your way into the professional ranks and improve your skills Access online Wii™ Channel for news, weather, photo viewing, message boards and more Built-in Wi-Fi access for easy connection to Nintendo Wi-Fi Connection gaming service Completely backward compatible, all the way to the NES of the 1980s Fully compatible with GameCube games Supports up to 4 GameCube controllers 2 slots for Nintendo GameCube Memory Cards Plays two disc formats in a single, self-loading media bay Comes with A/V cable and UK power adapter Features a processing chip from IBM and a graphics chip from ATI This product is not available for international delivery. Find out more

Blue Harbour Pure Linen 3/4 Length Shorts, at Marks and Spencers
Relaxed and casual, these fashionable3/4 length shorts are made from cool soft linen and feature side pockets

Snake Band Hipster Bikini Bottoms, at Marks & Spensers
Stylish and elegant, these fashionable bikini bottoms feature a pretty snake print band. The ultimate in poolside glamour

Rosina 2-Seater Occasional Sofa Bed, at M+S
H85 x W174 x D97cm (extends to L233cm) Seat H47cm (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 Fabric options feature reversible cushions Mattress dimensions: L180 x W112 x D6cm Foam mattress rests on polypropylene base Mattress recommended for occasional use Sofa Bed will support a maximum combined weight of 160kg 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™ - 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 Assorted Face T-Shirt, at Marks & Spensers
Cute and comfy, this practical pure cotton t-shirt features assorted face motif. The shoulder poppers make it easier to dress him

Adored Comfort All Over Lace High Leg Knickers, at Marks n Spencer
Soft and pretty, these lace trimmed knickers are made from a soft stretchy blend of modal and cotton

3D Felt Leaf Cushion, at Marks&Spencer
Square shape Leaf appliqu design L43 x W43cm, Manufacturer: Marks & Spencer

Garmin Sat Nav 4.3" Travel Pack, at Marks&Spencer
Free 2 year guarantee This pack contains everything you need to get started with your new nvi. The carrying case protects the nuvi from scratches, and the USB cable lets you connect to your computer to download vehicle icons, addresses, system updates, maps and more. And with the AC Adapter, you'll be able to charge your nvi when youre out of your car and near an outlet

Classic Ceramic Toilet Brush, at Marks and Spencer
Ceramic base Chrome handle H36 x D10cm, Manufacturer: Marks & Spencer

St Véran les Monts 2007 - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Per Una A-Line Applique Skirt, at Mark & Spensers
A fashionable a-line skirt featuring applique and bead detail

Autograph Pure Cotton Sunglasses Print T-Shirt, at Marks n Spencer
Casual and contemporary, this sunglasses print t-shirt is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make it exceptionally stylish and comfortable

2 Piece Long Sleeve Hooded Outfit, at Marks and Spencer
Smart and stylish, this 2 piece outfit gives a well dressed look and feels comfortable to wear

Long Sleeve Funnel Neck Fleece Jacket, at Marks & Spencers
Fashionable and practical, this comfortable fleece features a funnel neck for a stylish modern look

First Readers The Ugly Duckling Sticker Activity Book, at M+S
Help your child learn to read with this Read and Learn sticker activity book. It's specially designed to help develop your child's early learning skills and includes interactive sticker versions of the story, as well as over 20 pages of extension activities to reinforce your child's learning and further develop their skills

Autograph Pure Cotton Damask Duvet Cover, at Marks & Spenser
Damask design Comes in single, double, kingsize and super-kingsize, Manufacturer: Marks & Spencer

Plain Summer Joggers, at Marks and Spencer
Relaxed and comfy, these casual joggers are made from soft cotton rich fabric. A practical easycare choice

Le Moulin des Cossardières Muscadet Sèvre et Maine Sur Lie 2007, at Marks and Spencer
Style: Dry Grape variety: Melon de Bourgogne Country of origin: France Closure: Synthetic closure 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

Limited Collection Round Toe Buckle Boots, at Marks and Spenser
Round toe Buckle feature Mid heel Comes in sizes 3-8, including half sizes

5 Pairs of Long Ribbed School Socks, at Marks & Spencer
Why spend too much on school socks when you can get this great value pack right here? Durable and comfortable, they're just the ticket for school days

Oblong Chain Belt, at Marks & Spensers
Dress up your fashionable outfits with this smart oblong chain hip belt

Sebo Felix Premium Upright Vacuum Cleaner, at M&S
1300 watt suction motor plus 175W brush motor S-CLASS filtration system - removes 100% of particles of 1 micron and above Includes built-in crevice tool, upholstery brush and parquet brush Suction unit detaches from head for use on stairs, car interiors or curtains "Flex" neck for manoeuvrability Telescopic handle with built-in variable power controls Overheating protection and automatic shut-off in case of brush jam Ideal for carpet and hard floors 5 year parts and 2 year labour domestic use guarantee Can be used for carpet cleaning Unit weight 6.8kg, dimensions H104 x W31 x D38cm 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

Modal Blend Secret Support™ Pyjama Top, at Mark & Spensers
Flattering and feminine, this top is made with Secret Support™ which gives gentle support and a flattering, defined shape. A soft, comfortable style

Lichfield Glass Top Side Table, at Marks and Spencer
H59 x W50 x D43cm Sturdy wooden undershelf Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Shelves made from White Oak veneer Side panels are veneered Top panel is veneered with solid oak edging for strength 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. SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Lichfield Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Collezione Leather Monk Shoes, at Mark & Spencers
Luxurious and contemporary, these leather monk shoes are part of Collezione, inspired by Italian style. Their superior design, quality and hand finishing make them a sophisticated and fashionable choice

Bordeaux 2006 - Case of 6, at Marks and Spencers
Grape variety: Merlot 75%, Cabernet Franc 15%, Cabernet Sauvignon 10% Country of origin: France Closure: Natural Cork Suitable for vegetarians Bottle: 6 x 75cl Alcohol by volume: 12.5% vol Alcohol units per 125ml: 1.6 Alcohol units per bottle: 9.4 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Cotton Rich 2 Piece Bunny Dungaree Outfit, at Marks and Spencer
Fun and practical, this cute 2-piece dungaree outfit features embroidered detail. It's made from soft cotton to keep her comfy

Besides Marks and Spencers 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.