When you're shopping at Marks & 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 Property 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."

There are lots of ways to save money using M&S Financial Services. Not least of these is MarksandSpencer 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 Marks & Spenser, 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 Finance, you get more, and you pay less.

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 & Spencers are so useful. M&S Financial Services financial products are, of course, designed to make Marks and Spenser 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 Financial Services 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 Financial Services Property Insurance than you will anywhere else, and you may even pay less with M&S.

3/4 Sleeve Open Neck Collar Shirt, at Marks & Spensers
This fab 3/4 length sleeve shirt features a button fastening. A sophisticated new look, perfect for this season

Footglove™ Leather Whipstitch Detail Shoes, at Marks and Spencers
Block mid-heel Whipstitch detail Slip-on Footglove™ soles are comfortable, highly flexible and lightweight

Autograph Merano Large 2-Seater Sofa, at Marks & Spencer
H84 x W195 x D102cm Seat H47cm, arm H63cm, top back rail H63cm (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 have reversible cushions 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 Glide 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

Triple Layer Cappuccino Cake, at Marks and Spencer
14 pre-cut slices Serves 14 Ready to eat 1.9kg Not suitable for nut allergy sufferers Suitable for vegetarians Comes in a box suitable for storing the cake before serving As featured on page 52 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

Cotton Rich Short Sleeve Hooded Zip-Up Top, at Marks & Spencers
Ideal for your workout or when you just want to relax, this hooded top comes with added stretch, giving you that extra freedom to move

High Impact Non-Wired Sports Bra, at Marks & Spencer
As worn by GB Olympic pentathletes. Comfortable and secure, this high impact sports bra gives firm, gentle support for active wear. Its breathable fabric includes engineered sections to eliminate bounce while the racer back shape allows for maximum movement and wide straps ensure it's a comfortable fit

Pure Cotton Transformers Pyjamas, at Marks & Spencer
A must for fans of Transformers these pyjamas feature Optimus Prime

Country Bunch Goodbye Card, at Marks & Spencers
Cover text: Goodbye Inside message: Blank for your own message Approx size: 150 x 150mm

Autograph Wool Rich 5 Button Stripe Waistcoat, at Marks & Spencer
This finely tailored waistcoat adds a touch of refinement to your formal wear

2 DD-G Underwired T-Shirt Bras, at Mark & Spencers
Providing great value and comfort for everyday wear, these plain and simple underwired bras combine supportive full cups with convenient easy to care for fabric

Autograph Pure Cotton Shirt & Skinny Tie, at Marks and Spencers
Modern and fashionable, this pure cotton check shirt comes with a skinny tie. Ideal for sixth form wear

M&S 4GB SD Memory Card, at Marks & Spenser
Read (MB /s): 18MB Write (MB /s): 6MB Available capacity: 3890MB 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

Cotton Rich Drawstring Joggers, at Marks and Spencer
Casual and contemporary, these cotton rich drawstring joggers are outstanding value!

Older Boys' Cotton Rich Transformers Vest & Trunks Set, at Marks & Spenser
A must for fans of Transformers, this cotton rich vest and trunks set features Bumblebee

Assorted Charm Bracelet, at Marks & Spencer
Clasp fastening Adjustable length Assorted charms

Mother of Pearl Border Photo Frame 20 x 25cm (8 x 10''), at Mark & Spencers
Mother of pearl border Aperture: 20 x 25cm (8 x 10''), Manufacturer: Marks & Spencer

PlayStation®3 Tomb Raider: Underworld, at Mark's & Spencer
Master your surroundings: Reach new heights with the broadest range of acrobatic abilities and utilize objects within the environment to uncover new paths to explore Explore epic and unknown worlds: Discover ancient mysteries of the underworld hidden within the coast of Thailand, frozen islands of the Arctic Sea, the jungles of Mexico, and more What Can Lara Do?: Lara's skill-set has been drastically expanded to incorporate actions you would expect of a fearless, athletic adventurer. Lara now performs 1700 moves and is a far more intuitive character to controlWhat Can Lara Do?: Lara's skill-set has been drastically expanded to incorporate actions you would expect of a fearless, athletic adventurer. Lara now performs 1700 moves and is a far more intuitive character to control Treacherous and unpredictable challenges: Each level is an elaborate multi-stage puzzle masked within an interactive environmental playground offering more flexibility over how the area is solved New range of combat options: Choose to pacify or kill, target multiple enemies at once with the new dual-target system, and shoot with one hand while suspended with the other New state-of-the-art gear: Utilize the latest technology in Lara's upgraded inventory to navigate the world including: Sonar map: A revolutionary new tool that emits an active sonar ping to create a 3D image of Lara's surroundings, perfect for uncovering hidden items and locations Multi-purpose grapple: A claw-like device with a high-tension cable designed for climbing, rappelling, performing wall runs and manipulating objects within the environment All-terrain motorbike: Built to handle everything from the jungles of Mexico to the icy glaciers of the Arctic 2007 Sony Computer Entertainment Europe 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 You must be 16 years of age or over to purchase this product This product is not available for international delivery. Find out more *Must be returned with the tamper seal intact for full refund, ESRB Rating: Mature

Appliqué Heart Dressing Gown, at MarksandSpencer
Wrap up and relax in this soft dressing gown featuring an Appliqu heart design for a pretty look

Silver Plated Trinket Y Design Necklace & Earring Set, at M&S
2 part set Y design necklace Butterfly fastening stud earrings

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

Pure Cotton Long Sleeve Stripe Top, at Marks n Spencer
This fashionable top features a stylish button detail cuff for a fab contemporary look

Luxury Pure Cotton Edged Stripe Shirt, at M & S
The superior quality, cut and detailing on this luxurious pure cotton shirt are inspired by Jermyn Street tailors. A sophisticated style with a great fit

Per Una Short Sleeve Pleated Top, at Marks and Spencers
An elegant short sleeve top in a soft cotton blend featuring a tie neck

Limited Collection Sequin Sleeve Tunic, at Marks and Spencer
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Limited Collection Stud Detail Leggings, at Marks & Spencers
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Autograph Pure Silk Pillowcase, at Marks & Spenser
Plain, Manufacturer: Marks & Spencer

Lace Front Full Briefs, at Marks and Spenser
Flatteringly feminine, these full briefs combine a delicate floral lace design with a high waist, low leg cut you'll love. An easycare cotton blend provides hassle free comfort and convenience

High Impact Crop Top, at Marks and Spencers
Ideal for active wear, this quick drying crop top is made from high-performance breathable stretch fabric and is designed in the latest style for a great fit and freedom to move. Moisture wicking ensures dampness is drawn away from the body

Le Clos du Pioch - Montpeyroux 2006 - Case of 6, at Marks and Spencers
Style: Dry, medium bodied Grape variety: Syrah, Grenache, Carignan Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

M&S Flush Wall Mount for 10-20'' TV, at Marks & Spenser
Fits LCD and TFT screens from 10-21in Flush to wall mount VESA compliant for 75 and 100 standard fittings Simple two-part assembly All fixings supplied Dimensions: H28.5 x W19 x D8.5cm This product is not available for international delivery. Find out more 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, Manufacturer: Marks & Spencer

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 Property 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 Property 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.