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 Direct. Offering everything from savings accounts and credit cards, to House Insurance and Car Insurance, there's a lot more going on at Marks & Spencers than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Money Direct. 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 Direct, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Money Direct 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."

Marks & Spensers may not necessarily be the first name that springs to mind when you're thinking about renewing your House Insurance or Car Insurance, but Marks & Spencer do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M&S Money Direct website. With a simple, no-hassle service, you can compare features between a number of M&S Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Money Direct loans, credit cards or House Insurance - besides a number of other insurance products, M&S Money Direct can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Money Direct insurance products (House Insurance, Car Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the M+S insurance products in document format too.

M&S Money Direct Insurance: There are, quite literally, hundreds of companies in the UK from whom you can purchase insurance. Whether you're looking for the best deal on Car Insurance, buildings and contents insurance, or even wedding insurance, it doesn't take long to find a company that will sell you a policy.

However, not all insurance companies, and certainly not all insurance policies, are the same. What may be standard on one insurance policy may be an optional extra on another, for instance; Car Insurance and House Insurance are especially like this.

For example, most home and contents insurance policies either ask you to provide the total cost of rebuilding your home plus the total value of your home contents, or they will set an upper limit. This may seem fine at the time, but, in the event of a claim on your House Insurance policy, the values act as maximum limits, and so you may, in effect, be under-insured and not receive the full value of your insurance claim.

Fortunately, M&S Money Direct Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

True Red Eau De Toilette, at Marks & Spenser
100ml This product is not available for international delivery. Find out more

2" Longer Sleeve Satin Stripe Shirt, at Marks & Spencer
Smart and stylish, this 2" longer sleeve stripe shirt is made from pure cotton

Die Cut Presents Birthday Card, at Marks & Spencers
Cover text: with love Inside message: blank for your own message Approx size: 210 x 150mm

Samsung HMX-R10BP High Definition Camcorder, at Marks&Spencer
5x optical (x8 Smart) zoom: With its high quality 5x optical zoom lens you can get close to the action from a safe distance. Now you can see it all in perfect detail 2.7" LCD touch screen: You'll never miss a shot with the 2.7" touch screen LCD display. Catch more of the action and guarantee that the entire image is recorded Full HD: Now you can watch your videos in full high definition. That means crystal-clear details, the sharpest picture quality available and brilliant color. The 1/2.33" CMOS imaging sensor boasts 9 mega-pixels and yields impressive light sensitivity to capture full HD video at 1920 x 1080 lines of resolution 9M pixel still: Now you can use the camcorder as a digital camera. Want a still photo instead of video? Leave your camera at home and snap 2880 x 1620 resolution images and then watch them with family and friends on your TV screen New ergonomic design: An ultra-compact, ergonomic design with a smooth, curvy shape lets you hold the camcorder in total comfort. That means you're always ready to get the best shot and capture more memories. The lens is also angled at 25 degrees, which reduces the strain on your wrist and helps you to relax, record, smile Pixels: 230k Still image resolution: 12M (4000x3000 / Interpolation)9M (4:3, 3456x2592)6M (16:9, 3328x1872)5M (4:3, 2592x1944)3M (4:3, 2048x1536)2M (16:9, 1920x1080)VGA (640x480) Dimensions: W38.1 x H56.6 x D128mm Battery life: Lithium-Ion - approximate maximum recording time 80mins 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

Autograph Styled Embroidered Shorts, at Mark & Spencers
Elegant and feminine these flattering shorts feature a delicate embroidered design. The modern low leg hipster styling gives a shapely fit. Beautiful exclusive lingerie

Formula Calming Foaming Facial Wash, at Marks and Spencer
With chamomile and aloe vera Especially formulated for sensitive skins Suitable for all skin types Gently cleanses without any harsh additives Fragrance free Hypoallergenic 150 ml

Black Tissue and Wrapping Accessories, at Marks & Spenser
Pack contains: 3 sheets of tissue, Gift tag, Ribbon Approx size: Tissue: 50 x 70mm, Tag: 80 x 45mm, Ribbon: 120cm

Silver Plated Crystal Stud Trio Earrings, at Mark & Spensers
3 pairs Crystal stud design Assorted colour For hygiene reasons, refunds will only be given in accordance with your legal rights

50/50 Floral Ribbon Embroidered Bedset, at Marks & Spencer
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

Autograph Pure Cotton Necklace Print Top, at Marks n Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Autograph Linen Blend Tie Fastening Ruffle Trim Cardigan, at Marks & Spencers
Fashionable and contemporary, this linen blend cardigan features a ruffle trim. A pretty, practical and easycare style

Sprung-Edge Divan on Legs & F200 Mattress with Coolmax°, at Marks&Spencer
Single mattress (3ft): W90 x L190cm Double mattress (4ft 6in): W135 x L190cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 24cm Divan height: H31cm Individually pocketed springs Deep layer of memory foam Coolmax stretch knit cover helps regulate body temperature and adds a soft feel to the mattress Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support Pocket sprung mattresses give a flexible feel Mattress spring count: 930 Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Autograph Essentials Button Front Trousers, at Marks&Spencer
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sit on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Long Length Saddle Stitch Panel Skirt, at Marks & Spencer
Elegant and feminine, this long length skirt features saddle stitch panel. Stylish, practical and fashionable

Mirrored 5-Drawer Chest, at Marks and Spencer
H102 x W51 x D40.5cm 5 drawers Mirrored 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 25% when you buy this chest as part of a set. Click here to view the Mirrored Collection Set. , Manufacturer: Marks & Spencer

Short Sleeve Roll Neck Top, at Marks & Spencers
Chic and modern, this roll neck top is made from softly draping stretch viscose for a fluid look. The stripe design adds a fashionable finishing touch

Reversible Knitted Wrap with Tassles, at Marks and Spencers
Keep warm without compromising on style! This fashionable wrap is reversible, making it even more versatile. A great way to add a cosy extra layer

Airflex™ Grain Leather Shoes, at M+S
Square toe Stitch detail Slip-on Shallow block heel Unique Airflex™ airflow system for unbeatable comfort

Macon Rosé 2008 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: Gamay Country of origin: France Closure: Screw cap 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

Per Una Spot Print Dress, at Marks n Spencer
A gorgeous sleeveless spot print dress featuring frilled scoop neck

Gingerbread Man Pastry Cutter, at Marks and Spencers
Gingerbread man design, Manufacturer: Marks & Spencer

Classic Chaise - Right-Hand, at Marks and Spencers
H86 x W182 x D78cm Seat H46cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Back cushion made from fixed foam Cushion covers are not removeable 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 Feet are castors 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 samples: 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

Portfolio Petite Paint Splash Tunic, at Marks & Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season.

Long Sleeve Stormwear™ Ruffle Coat, at Mark's & Spencer
Fashionable and practical, this cosy coat is warmly padded and lined with fleece. It's treated with our unique Stormwear™ technology which repels water and stains. Storm cuffs help keep arms warm and hold on gloves

Cashmilon™ V-Neck Long Sleeve Jumper, at Marks and Spencer
Soft and cosy, this long sleeve jumper is made from supersoft cashmilon™. A smart modern look

Pure Cotton Check Shorts, at Marks and Spencer
Soft and comfortable, these cotton shorts can be worn alone or with a number of our pyjama tops and t-shirts to create your own style

2 Mosaic Stackable Chairs, at Marks and Spencer
H96 x W56 x D56cm Seat: 44cm Sold as a pair Seat cushion made from shape-retaining foam Metal frame Diamond pattern mosaic design This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Platinum Plated Marquise Promise Ring, at Marks and Spencer
Cubic stone Platinum plated

Cut Flowers Wax Lantern with Plate, at M & S
Wax lantern Cut flowers roomscenter Roomscenter burns for up to 4 hours 15ml roomscenter Comes with candle plate, Manufacturer: Marks & Spencer

Collezione Round Face Watch, at Marks & Spencers
Round face Analogue time display Numeric style Buckle fastening Mock crocodile skin strap

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 and Spencers are so useful. M&S Money Direct 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 Direct 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 Direct House Insurance than you will anywhere else, and you may even pay less with M&S.