When you're shopping at M+S 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 Household Insurance and Motor Insurance, there's a lot more going on at Marks and Spencers 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."

M&S Money offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor Insurance policies are much the same is usually a bad idea. At worst it can be a very expensive mistake - this is when you find out that your Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Money Motor Insurance is not like that at all, and when you compare M&S Motor Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with M & S 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsbury's, or Tesco Direct:

• Personal UK and European Breakdown Cover automatically included
• Comprehensive cover for trips abroad in the European Union - up to 90 days per trip
• Courtesy car during approved repairs automatically included
• Cover for Motor Legal Protection automatically included

So, it is clear that, besides being good value, M&S Motor Insurance also provides much more extensive cover than some of the top competitors. Additionally, you don't even need to be behind the wheel to benefit from M&S Money UK and European Breakdown Cover, since it covers you as a passenger too.

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

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

3 Easycare Short Sleeve Blouses, at Marks and Spencer
This 3 pack of easycare short sleeve blouses is outstanding value. Reinforced seams give extra strength and durability

Autograph Double Buckle Mid Heel Shoes, at Marks and Spenser
Round toe Double buckle feature Zebra print Mid heel Lined

Fenton Armchair, at Marks & Spenser
H90 x W96 x D103cm Seat H51cm, arm H60cm, top back rail H76cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Back cushions made from polyester fibre Fabric options feature 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 Solid hardwood feet with 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 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

Charlotte Large 2-Seater Occasional Sofa Bed, at Marks & Spensers
H94 x W184 x D96cm (extends to L242cm) Seat H50cm (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 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 Mattress: L180 x W112 x D6cm Foam mattress rests on polypropylene base Mattress recommended for occasional use Sofa Bed will support a maximum combined weight of 160kg 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 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

2 Piece Pure Cotton Tie Waist Joggers, at Mark & Spensers
These cute joggers are outstanding value. Hardwearing, practical and comfortable

Italian Pure Silk Spot Design Tie, at Marks and Spencer
Combining classic silk quality with a contemporary design, this stunning tie will make a valuable and versatile addition to your formal wardrobe. Made in Italy

Autograph Occasions Jaquard Wedding Dress & Bolero Set, at Marks and Spencer
Feminine and elegant, this 2 piece wedding dress and bolero set is beautifully designed and detailed with an embroidered jaquard design. An exclusive, luxurious look from Autograph for your wedding day

The Travel Book: A Journey Through Every Country in the World, at Marks and Spencer
This pint-sized paperback version of the best-seller The Travel Book inspirational images and text will make travel from your armchair a delight and inspire your future travel plans A-to-Z coverage of 218 countries

Leather Ostrich Design Laptop Bag, at Marks and Spenser
Stylish and practical, this laptop bag is made from luxurious hardwearing leather and features useful compartments. A useful and fashionable accessory

Pure Cotton Long Sleeve Minnie Mouse Top, at Mark & Spencers
Fans of Disney will love this long sleeve cotton top featuring Minnie Mouse. A practical, easycare style

Autograph Multi Stripe Long Sleeve Jumper, at Marks & Spencer
Fashionable and contemporary, this multi stripe jumper is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail makes it exceptionally stylish and comfortable

Contrast Trim Ballet Socks, at Marks & Spenser
These essential ballet socks are outstanding value. They're made with added stretch for comfort and durability

Blue Harbour Pure Cotton Postage Print T-Shirt, at Marks and Spencer
Fashionable and relaxed, this postage print t-shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Pure Cotton Waffle Spa Bathroom Mats, at Marks & Spencer
Textured waffle design Bathmat: W50 x L80cm Pedestal mat: W50 x L55cm Bathmat and pedestal mat must be purchased separately, Manufacturer: Marks & Spencer

Baby Girls' Warm Lined Pram Shoes, at Marks n Spencer
Round toe Riptape fastening Emboidered motif Ankle high

Beaded Heart Pendant Necklace, at Marks & Spenser
Heart pendant Clasp fastening Adjustable length Necklace length: 41cm

Girls' Limited Ribbon Detail Hat & Scarf Set, at Marks and Spencer
Snug and cosy, this cute hat and scarf is a fashionable choice for chilly weather

3/4 Sleeve Scoop Neck Stripe Top, at Marks & Spencers
This fashionable top is made from super soft fabric that looks and feels great. Modern styling details give it a cool contemporary edge

Autograph Leather Thong Punch Monk Shoes by Jeffery-West, at M&S
Square toe Stitch detail Buckle fastening Punch design Block heel

Leona Lewis - Spirit CD, at Marks & Spencer
Audio CD, Marks & Spencer

Autograph Pure Linen Abstract Animal Print Scarf, at Marks & Spencer
Luxurious, fashionable and elegant, this pure linen scarf features an abstract animal print and tasselled ends

Goat Skin Cushion, at Marks & Spencer
Square design Fluffy Plain, Manufacturer: Marks & Spencer

Classic Duckling Birth Announcement - Pack of Ten, at Marks and Spencer
Cover Text: New baby Inside Message: Would like to announce the birth of . . . . . .,A new arrival . . . . . . , On . . . ., Time . . . ., Weighing Pack Contains: 10 cards, 1 design Approx Size: 120 mm x 120 mm

4 Summer Manor Mugs, at Marks & Spenser
Floral pattern Contrast handle, Manufacturer: Marks & Spencer

Pure Cotton Varied Stripe Cardigan, at Marks & Spenser
Soft and comfy, this long sleeve cardgian is made from pure cotton and features a varied stripe design. A fashionable easycare style

Silver Plated Abalone Pendant Necklace, at Marks & Spenser
Lobster clasp fastening Adjustable length Abalone pendant Necklace length 40cm, extendable by 7.5cm

Per Una Floral Embroidered Lace Shorts, at Marks & Spencers
Elegant and feminine, these stylish shorts feature a floral embroidery and are finished with lace and a bow. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion

Corkscrew, at Marks and Spencer
Rubber grips This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Silver Plated Cascade Y Necklace & Earrings Set, at M & S
2 part set Adjustable length cascade y design necklace with a clasp fastening Hook fastening cascade style drop earrings

Leather Fresh Feet Slip On Boat Shoe, at Marks and Spencers
Round toe Lace stitch detail Contrast stitching Slip on style Flat sole

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 Money financial products are, of course, designed to make M&S 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, Household Insurance policies. Usually, UK Household 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 Household 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 Household Insurance than you will anywhere else, and you may even pay less with M&S.