When you're shopping at Mark's & 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 Motor 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."

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 M&S 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 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 Motor 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.

M+S Money 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 Motor 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; Motor Insurance and Buildings & Contents 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 Buildings & Contents 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 Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Blue Harbour Short Sleeve Linen Rich Stripe Polo Shirt, at Marks and Spencer
Stylishly smart casual, this polo shirt is made from linen rich fabric so it's soft, breathable and comfortable to wear

Ashbourne Large 2-Seater Everyday Sofa Bed, at Marks & Spencer
H99 x W222 x D104cm Seat H52cm (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 L180 x W112x D6cm Sprung mattress rests on a slatted wooden base Mattress recommended for everyday 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 dark 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

Stainless Steel Pot Strainer, at Marks & Spencers
Crescent shaped drainer Handle Hanging hook This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Print Your Own Wedding Stationery CD-ROM, at Marks and Spencer
Minimum system requirements: Processor: 200Mhz Intel Pentium processor or equivalent, Memory: 128MB RAM, Graphics: 800x600 set to 16 bit colour, Operating System: Windows 98, ME, 2000, XP and Vista This software is PC compatible only Contains 1 CD Rom Print Your Own Wedding Stationery CD-ROM - FREE when you spend 10 or more on Print Your Own Stationery

Multi Strand Shell Jumble Necklace, at Marks and Spencer
Button fastening Shell jumble detail Multi strand design

Autograph Pure Silk Taj Mahal Tie, at M&S
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Petite Hooded Water Repellent Parka, at Marks & Spensers
Relaxed and stylish, the parka has become a fashion essential. This easycare version is detailed with handy side pockets and hood. Specially designed and perfectly proportioned for the petite frame

Autograph Leather Pleated Pumps, at Marks & Spencers
Pointed toe Pleated design Slip on Low heel Heel height: 15mm

Ribbed Thermal Leggings, at Marks and Spencers
Soft, warm and cosy, these cotton blend thermal leggings are designed to give comfy insulation, perfect for chilly weather

Niece Die Cut Letters Birthday Card, at Marks & Spencer
Cover text: Niece you're so nice Inside message: Blank for your own message Approx size: 150 mm x 150 mm

Magic Loc Collection Corner Basket, at Marks & Spencers
Ultra-strong suction holders Stick to tiles, glass or stainless steel Stainless steel, Manufacturer: Marks & Spencer

Autograph Pure Cashmere Zebra Print Tasselled Scarf, at M&S
Indulge in a touch of stylish luxury! This beautiful scarf is woven from pure cashmere and feels wonderfully soft and warm

Per Una St. Ives Floral Panel Skirt, at Mark's & Spencer
A pretty knee length skirt in lightweight cotton mix fabric featuring a floral print and flared design

Ceramic Canoe Potpourri Bowl, at Marks and Spencers
Ceramic bowl Canoe shape H9 x L33cm, Manufacturer: Marks & Spencer

Die Cut Butterfly Birthday Card, at Marks and Spencers
Cover text: Happy birthday Inside message: Blank for your own message Approx size: Unfolded: 150 x 150mm

5 Pairs of Sparkle Bow Socks, at Marks and Spencer
Ideal for school, these soft cotton rich socks make a comfortable, practical choice

Per Una Assorted Button Longline Cardigan, at M&S
A fashionable long sleeve cardigan featuring a front pockets and assorted button detail

Cotton Blend Double Breasted Cardigan, at M & S
Soft and comfy, this practical double breasted cardigan is made from a hardwearing cotton blend fabric. It features a deep v-neck. A great value easywear style

Limited Collection Tribal Hobo Bag with Charm, at Marks n Spencer
Fashionable and fabulous, this tribal hobo handbag is designed in one of this season's key shapes. It's a practical as well as trend-conscious accessory. Get the latest look!

Indian Summer Leaf Embroidered Cushion, at Marks & Spenser
L50 x W50cm Square Leaf embroidered design, Manufacturer: Marks & Spencer

Blue Ribbon and Dove Confirmation Card, at Marks & Spensers
Cover Text: A wish for your confirmation Inside Message: Blank for your own message Approx Size: 174 mm x 126 mm

Canon LEGRIA FS20 Flash Memory Camcorder, at Marks & Spencers
Pixels: Type - 1/6" Interlaced CCD, Total pixels - 1.07 megapixel, Effective Pixels - MOVIE: 710,000 pixels, STILL: 800,000 pixels (4:3 mode) Dual Flash Memory: With 8GB Dual Flash Memory, the LEGRIA FS20 offers you two ways to record. Store over 5 hours of movies to internal memory, or shoot straight to SD or SDHC memory cards for easy sharing 45x Advanced Zoom: Combining the power of the DIGIC DV II processor and the quality of a genuine Canon Video Lens, the LEGRIA FS20 offers the extended reach of a 45x Advanced Zoom Megapixel CCD: Thanks to its Megapixel CCD, the LEGRIA FS20 delivers superior quality video images and digital photographs Pre REC function: In Pre REC mode, the camcorder starts recording three seconds before you even press the Record button. 3 seconds of footage are continuously stored and automatically added to the beginning of your clip from whenever you start videoing - never miss that crucial moment again Quick Charge: After a long day's shooting, it only takes 20 minutes to recharge the camcorder's battery sufficiently for a further hour's recording Microphone and headphone jacks: A microphone input and headphone jack give you the ability to record better audio and closely monitor it during recording Dual Shot: Dual Shot sets all controls to automatic, leaving you free to frame your shots. You can shoot high quality photos during video recording, without the bother of switching between settings on the Control Dial PIXELA software: Supplied PIXELA™ software provides an easy way to edit and share your movies burn a DVD, convert a movie for upload to the web, or transfer it to your personal media player. To burn a DVD at the touch of a button Video Snapshot: Video Snapshot mode makes it incredibly easy to create movies for sharing with friends and family. Every time the Record button is pressed, a short 4 second clip is captured. Simply add your clips to a playlist, select a soundtrack, and you're instantly ready to play your movie on a TV - with no need for editing on a PC. 4 seconds is the average length of one 'cut' in a TV show, helping to give your final movie an expert feel Screen size: 2.7" widescreen colour LCD Compact and light: Take your camcorder anywhere. Weighing just 230g, LEGRIA FS20 wont ever slow you down Dimensions: W55 x H59 x D121mm Battery life: Lithium-Ion - approximate maximum recording time 3hrs 35mins

Die Cut Flowers in Vase Mum Birthday Card, at Mark & Spencers
Cover text: Happy birthday mum with love Inside message: Love and wishes for a wonderful day Approx size: unfolded: 178 x 126mm

Performance Stormwear™ Flat Front Pure Wool Plain Trousers, at Marks and Spencer
This smart suit is treated with Stormwear™ technology, a breathable water and stain repellent finish keeps it in great shape while giving enhanced comfort and ease of movement

Chateau Darzac Reserve 2008 - Case of 12, at Marks & Spenser
Grape variety: 35% Sauvignon, 40% Smillon, 25% Muscadelle Country of origin: France Closure: Synthetic closure Suitable for vegetarians and vegans 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

Autograph Post Surgery 2 Tone Embroidered Bra, at Marks & Spencer
Pretty and feminine, this padded modal bra is made from soft microfibre fabric and gives a gently supportive fit and a flattering shape. It features 2 secure prosthesis pockets

Cecily's Garden Foiled Anniversary Card, at Marks and Spencer
Cover text: Happy Anniversary Inside message: Lots of love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Perfect Single Breasted One Button Seam Detail Jacket, at Marks & Spenser
Power dressing for the Noughties...this seam detail jacket and belted dress will have you feeling razor sharp

Ultimate Non-Iron Short Sleeve Stripe Shirt, at Mark's & Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

T397861, at Marks & Spenser
Manufacturer: Marks & Spencer

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 Spencers 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.