When you're shopping at Marks and Spencers 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 Financial Services. Offering everything from savings accounts and credit cards, to Home Insurance and Motor Insurance, there's a lot more going on at Marks and Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Financial Services. 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 Financial Services, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Financial Services 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 M+S Motor Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services 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 Financial Services 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 M+S purchases are also protected while you take them home.

Also, on both M&S Financial Services 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.

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

Château de Clairefont Margaux 2005 - Case of 6, at Marks & Spencers
Style: Full Bodied Grape variety: Cabernet Sauvignon, Merlot & Petit Verdot 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 Pure Cotton Stripe Kaftan, at Marks and Spenser
Gorgeously feminine, this fashionable kaftan features a striking stripe print. The ultimate in poolside glamour

Blue Harbour Pure Lambswool Argyle Jumper, at M & S
An extremely comfortable jumper. It's made from extrafine lambswool which is spun for the softest feel. Conveniently, it can be machine washed and tumble dried and it resists bobbling

Airflex™ Wide Fit Raised Suede Lace Up Shoes, at Marks and Spencer
Square toe Stitch detail Lace up Block heel Lightweight, flexible and durable Unique Airflex™ airflow system for unbeatable comfort Wide fit

Cotton Rich Lace Detailed Full Slip, at Marks and Spencer
A practical fashion essential you can't do without! This cling resistant slip comes in a variety of lengths. It's a must-have for enhancing the look of your dresses, particularly those that look see-through under light

Panasonic DMP BD60 Blu-ray Disc™ Player, at Marks & Spenser
PHL Reference Chroma Processor Plus: A high quality image-processing technology developed by Panasonic to precisely process each pixel of the Blu-ray Disc™ video signal in the vertical direction 4:4:4 signal technology: Processes each pixel of the Blu-ray Disc™ video signal in the horizontal direction, to complement vertical direction processing VIERA CAST function: Allows access to YouTube™, Picasa™, and other Internet sites from the special VIERA CAST screen Playback Media: BD-ROM, DVD-ROM, DVD-R, DVD-RW, AVCHD, Audio CD Audio: Dolby Digital Plus, Dolby Digital True-HD Connectivity: USB 2.0, HDMI, SD slot, Composite Video Outputs, Component Video Outputs, HDMI Outputs (Version 1.3), Optical Digital Audio Outputs Accessories: Remote control Dimensions: 43 x 4.9 x 24.9cm

Bag of Flowers Thank You Card, at M&S
Cover text: Thank You Inside message: Blank for your own message Approx size: 150 x 150mm

Bordeaux Rosé 2008 - Case of 12, at Marks & Spencers
Style: Dry Grape variety: Cabernet Sauvignon, Merlot & Cabernet Franc 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

Autograph Pure Cashmere Oversize Scarf, at Marks n Spencer
Indulge in a touch of luxury with this pure cashmere knitted scarf. It looks and feels gorgeous and comes in a range of beautiful colours so you'll be able to accessorise every outfit

Pure Wool Single Pleat Straight Leg Trousers, at Marks and Spencer
Smart and stylish, these single pleat trousers are made from fine quality pure wool. A practical, hardwearing and fashionable choice

Charcoal Block Towels, at Marks & Spensers
Block design Comes in 3 sizes, Manufacturer: Marks & Spencer

Blue Harbour Pure Cotton Single Breasted Jacket, at Marks & Spenser
A smartly tailored single breasted jacket in pure cotton

Blue Harbour Stretch Denim Jeans, at Marks & Spencer
Relaxed and casual, these straight leg jeans are made with stretch for comfort and ease of movement

Collezione Single Breasted 3 Button Suedette Jacket, at Marks and Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Dualit Hand Blender with Accessories - Cream, at Marks and Spencer
500 watt motor Pulse plus button - 17000rpm Variable speed control - 9000 to 16000rpm Dishwasher safe functional parts Easy grip soft touch handle Two gear boxes Stainless steel, longlife blades Dualit moulded Plug Detachable blending stick for easy cleaning Accessories include: Chrome plated beaters, stainless steel whisk, stainless steel 500ml capacity beaker with stay fresh lid, mini chopping bowl Dimensions: H38cm 500 ml capacity jug 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

Ribbon Bootie Slippers, at M&S
Treat your feet to the warm comfort of these faux fur trim slippers. They're a terrific option for lounging around the home in cosy style

Uva Mira Vineyard Selection Red Blend 2005 - Case of 6, at Marks & Spencers
Style: Dry Grape variety: 68% Cabernet Sauvignon, 12% Merlot, 12% Cabernet Franc and 8% Syrah Country of origin: South Africa Closure: Natural cork Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 15% vol. Alcohol units per bottle: 11.3 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

3 Piece Box Mirror Set, at Marks & Spensers
3 Piece set Rectangular H58 x W28cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Leather Slouch Handbag, at Marks n Spencer
Luxurious and beautiful, this slouch handbag is part of our exclusive Autograph collection. It's made from hardwearing leather, and is useful and practical as well as being a highly desirable fashion accessory

MoDA Linear Floral Bamboo Paper Blank Card, at M&S
Cover text: Blank Inside message: Blank for your own message Our MoDA range has been screen printed onto paper made from bamboo. Bamboo is a truly sustainable and renewable resource as it's the fastest growing plant on the planet! Approx size: 150 x 150mm

DeLonghi Perfecta Easytronic ESAM5400 Coffee Machine, at Marks and Spencer
High performance 15 bar pump pressure Traditional cappuccino milk frother Ultimate bean-to-cup quality with only one touch to create perfect espresso Easytronic digital control panel: stylish ipod-style design with sleek illuminated icon display and rotating control dial Perfecta can be used with either fresh coffee or ground coffee Removable water tank (1.7 litres) Integrated professionalburr grinder with 7 adjustable coarseness settings Adjustable quantities of coffee and water to make an individually tailored cup of coffee Electronic temperature control so you can set your coffee from piping hot to medium temperature Removable brewing unit for easy cleaning Automatic shut-off of machine after a pre-set time has elapsed Adjustable steam emission Double boiler system, with one boiler exclusively for espresso and the other for steam, means your cappuccino can be made almost instantly with the press of one button Rinse and decalcification auto-programmes variable to reflect local water hardness Adjustable height coffee dispenser to accommodate either full size or espresso size Active cup warmer Removable drip tray with water level indicator Stylish high gloss black 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

Autograph Pure Wool Single Breast 1 Button Jacket, at Marks & Spencer
The only choice for the sharp dresser: Autograph's stylish designer-quality collection boasts the finest fabrics and closest attention to detail for an impeccable contemporary look

Soft Grip Solid Spoon, at Mark & Spensers
Hanging loop Soft grip handle L34.5cm, Manufacturer: Marks & Spencer

Pure Highway In-Car DAB Radio, at Marks and Spencer
20 DAB station presets ReVu™ to pause and skip back through live DAB radio quickSCAN to find free FM transmission frequencies Easy to install. No expertise required as Highway sends DAB Digital Radio directly to your car stereo via its FM transmitter Play your iPod or MP3 player through your car stereo Highway can be taken out of the car at the end of a journey and used as a personal DAB radio. (Requires two AA batteries and headphones - not included) Controls: Tune, Select, Lock, Menu, Play/Pause, Rewind, quickSCAN, 4 dedicated one-touch presets, 1 combined preset 4 FM transmit presets for instant tuning Magnetic flexible windscreen mount makes it easy to remove highway from the vehicle Add new features as they become available via USB Option to connect to your car stereo's auxiliary connector (if available) DAB scrolling text Green backlit LCD display with 16 x 2 characters Dimensions: W122 x H70 x D29mm Weight: 156g Aerial: High-sensitivity adhesive windscreen mount aerial. Battery power supply: 2 x AA batteries (not supplied) provide power adapter. 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

Portfolio Grosgrain Twirl Slingback Shoes, at Mark & Spensers
Heel height 75mm Round toe Strap with buckle fastening Grosgrain twirl feature Slingback style High heel Comes in sizes 3-8, including half sizes

Blue Harbour Cotton Rich Denim Jeans, at MarksandSpencer
Relaxed and casual, these straight leg jeans are made with stretch for comfort and ease of movement

Authentic Beach Trousers, at Mark & Spensers
Loose fitting and lightweight, the functional design of these versatile beach trousers makes them a must-have for your summer wardrobe

Zip Folio Case, at Marks and Spencers
When you're on the move, make sure to keep your important documents in order with this smart looking folio

Older Boys' Wide Stitch Belt, at Marks and Spencers
Fashionable and practical, this leather rivet detail belt adds a stylish finishing touch

Oudinot Champagnes - Case of 6, at Marks&Spencer
3 Oudinot Brut Champagne NV: A dry and elegant champagne with a crisp mousse and fresh lemon fruit... 3 Oudinot Ros Brut Champagne NV : A lively, luxurious ros Champagne with ripe strawberry fruit, a hint of cream and a crisp, dry aftertaste... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

There are lots of ways to save money using M&S Financial Services. Not least of these is Mark's & Spencer Standard Motor Insurance. With M&S Financial Services 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 Financial Services, which also has other features.

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