Besides MarksandSpencer Car Insurance, M&S Money Credit Cards and other financial products, M&S Money Home 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 & Spencers purchases are also protected while you take them home.

Also, on both M&S Money Premier Home Insurance and Standard Home 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 M&S 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, Home Insurance policies. Usually, UK Home 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 Home 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 Home 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 & Spencers 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 and Spencers, 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 Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Adored Comfort Control All Over Lace Knickers, at Marks and Spenser
Elegant and pretty, these knickers are made from the softest stretch lace, so they feel blissfully comfortable to wear. The low leg style gives a modern shapely fit. Feminine everyday lingerie

Emerald Ceramic Bottle Vase, at Marks and Spenser
Narrow spout Dual colour Tear drop shape, Manufacturer: Marks & Spencer

Baby Boys' Tartan Pram Shoes, at M & S
Round toe Tartan design Twin riptape fastening Flat sole Lined

3 Indian Summer Pure Cotton Towels, at Marks & Spensers
Pack of 3 Stripe design, Manufacturer: Marks & Spencer

Carrot Salad (Serves 8), at Marks & Spenser
Serves 8 Ready to eat Suitable for vegetarians 800g total weight As featured on page 28 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

50/50 Floral Ribbon Embroidered Bedset, at Marks & Spencers
Floral ribbon embroidered Single set includes duvet cover and 1 pillowcase Double set includes duvet cover and 2 pillowcases Comes in single (3ft), double (4ft 6') and king size (6ft), Manufacturer: Marks & Spencer

Pure Cotton Double Breasted Mac with Belt, at Marks and Spenser
Practical and fashionable, this water resistant mac features a double breasted design and epaulettes. Perfect for drizzly days, it can be accessorised with a rain hat or umbrella to see you through the season in style

The Floral Collection Lavender Moisture Rich Hand Wash, at Marks and Spencers
Lavender fragrance Moisture rich Hand wash 250ml

Ceriso Styled Embroidered Non Padded DD-G Bra, at Marks & Spensers
Feminine and fashionable this modern bra features floral embroidery. It's underwired and structured for great support and uplift, and the plunge shape gives a fabulous enhanced cleavage. Designed for women who want the latest look

AVG 8.5 Internet Security - 1 Year License for 3 Users, at Marks and Spencers
AVG 8.5 Internet Security is antivirus, anti-spyware, anti-spam software that allows you safe searching and safe surfing on the Web, identity theft protection and a firewall. Comprehensive cyberthreat prevention for Windows-based home users from one of the World's most trusted security companies.

Maxim Large Gravy Boat with Saucer, at MarksandSpencer
Plain white porcelain Suitable for everyday use 1.5 litre capacity L16 x W21.5cm, Manufacturer: Marks & Spencer

Perfect V-Neck Stripe Pyjamas, at Marks and Spencers
In soft pure cotton, our short pjs will keep you cool and comfy, whether you're sleeping or wearing them around the house. You'll love the colour and the price, too

4 Windsor Red Wine Glasses, at Marks & Spenser
Set of 4 Dishwasher safe 47cl H24cm, Manufacturer: Marks & Spencer

Girls' Fashion Schoolwear - Stain Defence™ Bootleg Trousers, at MarksandSpencer
Fashionable as well as practical, these stylish trousers are treated with Stain Defence™ which repels everyday stains. Stretch fabric gives a comfortable and shapely fit

Silicone Pot Holder, at Marks&Spencer
L17.5 x W17.5cm Hole for hanging Can also be used to rest hot pans on Heat resistant to protect surfaces and pans from hot pots Embossed design, Manufacturer: Marks & Spencer

4 Pairs of Fine Cotton Multi Design Socks, at M+S
Smart socks with a luxurious feel and appearance. A reinforced heel and toe gives extra durability

Harvard Moisturising Aftershave, at Marks and Spencer
Alcohol free 100ml Smooth sparingly over your face and neck, after washing and shaving Avoid contact with the eyes. Do not apply to broken, irritated or sensitive skin This product is not available for international delivery. Find out more

Classic Collection Pure Cotton Stripe Insert Top, at Mark & Spencers
Modern and stylish, this versatile top is made from soft easycare fabric and features a stripe design. A fashionable style with a comfortable, flattering fit

2 Cotton Rich Plain Drawstring Joggers, at Marks and Spencer
Relaxed and comfortable, these casual joggers are made from soft cotton and feature a pull tie fastening waist. A practical easycare choice

Pure Cotton Long Sleeve Ribbed Yolk Cardigan, at M+S
Casual and contemporary, this pure cotton cardigan is outstanding value

Metal Mix Sunglasses, at Marks&Spencer
Providing essential protection for the eyes, these stylish and wearable shades will flatter most face shapes

Autograph New York Eau De Toilette for Women 25ml, at Marks and Spencer
Pump spray 25ml This product is not available for international delivery. Find out more

Thomas and Friends: Magnet Book, at Marks and Spenser
Join your favourite characters for some magnet scene fun! This title lets you use your imagination and lots of magnets to complete the scenes.

Pop-Up Laundry Basket, at Marks & Spensers
Pop-up feature Carry handles, Manufacturer: Marks & Spencer

Perfect V-Neck Stripe Pyjamas, at Marks & Spencer
In soft pure cotton, our short pjs will keep you cool and comfy, whether you're sleeping or wearing them around the house. You'll love the colour and the price, too

Classic Collection Paisley Print Lightweight Scarf, at MarksandSpencer
Add a fashionable finishing touch to your look with this elegant paisley print scarf. The perfect accessory to this season's styles

Fresh Rose Wax Lantern with Plate, at Marks and Spencer
Wax lantern Fresh rose roomscenter Roomscenter burns for up to 4 hours 15ml roomscenter Comes with candle plate, Manufacturer: Marks & Spencer

Leather Crocodile Slip-On Shoes by Jeffrey-West, at Marks and Spenser
Slip-on Square toe Faux crocodile skin design Shallow block heel

Mirrored Floor Cabinet, at Marks & Spensers
H88 x W40 x D36cm With 1 shelf Mirrored glass finish with clear knobs 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 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 SAVE ON SETS Save at least 30% when you buy this floor cabinet as part of a set. Click here to view the Mirrored Collection Set. , Manufacturer: Marks & Spencer

Gold Spot Bursts Bottle Bag, at M+S
1 bottle bag with tag Approx size: H370 x W120 x D80mm

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 Home Insurance and Car Insurance, there's a lot more going on at Marks & Spensers 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."