When you're shopping at Marks & 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 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 Spencers 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."

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.

M&S Financial Services 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 Financial Services 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 Mark & Spensers 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 Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.

The Floral Collection Rose Hand Care Set, at Marks & Spencers
2 part set Contains hand wash and hand & body lotion Hand and body lotion enriched with shea butter 2 x 250ml

Memory Foam Mattress Enhancer, at Marks and Spencer
Comes in protective bag Moulds to your body for a fully supported night's sleep Equalised pressure on sensitive areas Sculpted support zones giving personalised comfort, Manufacturer: Marks & Spencer

Classic Collection Linen Look Trousers, at Mark & Spencers
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

Older Boys' Fluffy Waist Tie Dressing Gown, at Mark & Spensers
Soft and cosy, this dressing gown is made from comfy fluffy fabric

Holiday Puzzle Book, at Marks and Spencers
Whether you are relaxing on the beach, or travelling to your tropical getaway, this brand new collection of puzzles will put your solving skills to the test. Inside you will find crosswords, wordsearches, sudoku, word and number puzzles, plus many other both new and familiar puzzles to challenge and entertain you

Ceriso Jacquard Lace Padded Balcony Bra, at Marks & Spenser
Sassy and glamorous, this modern bra is beautifully detailed with bow detail.Soft padding and underwiring give great support and a fabulous flattering shape. Designed for women who want the latest look

Collezione Pure Wool Single Breasted 2 Button Stripe Jacket, at MarksandSpencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Classic Collection Floral Embroidered Pump Slippers, at Marks & Spenser
Round toe Pump style Floral embroidered design Slip on Flat sole Comes in sizes 3-8

Plain Pull On Cashmilon™ Hat, at Mark & Spencers
Stay ahead of trends in this stylish hat made from supersoft cashmilon™. Warm and cosy, it's perfect with the matching scarf and gloves

Official England FA File Book, at Marks & Spencer
Stay on the ball and be on top of your game with this fun football file! Record all your favourite footy stuff and check out profiles of your top England players. Get organised with your cool footy scrapbook and official calendar, so you don't forget those all-important match dates. Share your football adventures with the team and become a true England hero by creating your own dream squad. With this file in hand, you'll be a real England team player

Pheasant Gully Bin 492 Riesling Gewurztraminer 2008 - Case of 12, at Marks and Spencers
Style: Medium dry Grape variety: Riesling & Gewurztraminer Country of origin: Australia Closure: Synthetic closure Suitable for vegetarians Bottle: 12 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

Running Book, at M & S
Running is one of the most popular forms of exercise that you can choose. Aimed at those who are new to running, this book advises you on what you need to get started and how to continue in order to improve.

Floral Polka Dot Wedding Keepsake Box, at Marks and Spencers
Contains: 1 keepsake box Approx size: H290 x W290 x D95mm

Autograph Square Stone Drop Earrings, at M & S
Hook fastening Drop earrings Square stone Made with CRYSTALLIZED™ - Swarovski Elements For hygiene reasons, refunds will only be given in accordance with your legal rights

18 Cocktails Birthday Card, at Marks and Spencer
Cover text: Happy Eighteenth Inside message: Blank for your own message Approx size: 150 mm x 150 mm

Formula Age Restructure™ Age Spot Away Cream & Calcium Complex, at Mark's & Spencer
Luxuriously rich cream for the 60+ complexion Proven results after 4 weeks Helps reduce appearance of age spots and discolouration Calcium complex to firm and improve the structure of the sagging skin Collageneer a lupin extract to strengthen and improve skin elasticity Blend of extracts to target age spots Wheat biovector to redensify and smooth Suitable for all skin types Hypoallergenic 15ml This product is not available for international delivery. Find out more

Adventurer 450 Two-Way Radios, at Marks & Spenser
TRUSOUND - pioneering noise reduction technology delivering enhanced sound quality Easy to hold rubberised grip Ultra compact size Range up to 2 miles (3km) depending on environment and terrain Up to 304 channel combinations Dual desktop charger pod Rechargeable batteries VOX technology - handsfree conversations Backlit screen 5 call tone melodies selection Dimensions: W4.5 x L8 x D3.1cm 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

Your Love Songs Double CD, at Marks and Spencers
Audio CD, Marks & Spencer

Single Breasted Mid Length Belted Mac, at Marks and Spencer
A smart, fitted mac is a versatile piece every woman should own. This modern belted style is a flattering update of a fashion classic

Lightweight Paisley Print Scarf, at Marks and Spencer
Add a fashionable finishing touch to your look with this elegant paisley print scarf. The perfect accessory to this season's styles

Sony Stamina Plus AA Alkaline Batteries - Pack of 4, at M&S
Voltage (V): 1.5 Cells per pack: 4 Size: AA / LR6 Ideal for high power applications which require intense and durable energy such as portable hifi, toys & audio devices *Must be returned with the tamper seal intact for full refund

Cotton Rich Check Pyjama Bottoms, at Marks and Spencer
Fashionable and modern, these soft cotton rich check pyjamas are designed to be mixed and matched. Relax in style and comfort

Pure Cotton Stripe Towel, at Marks and Spencer
Multi-stripe design Comes in 3 sizes Hand towel Bathsheet X-large bath towel, Manufacturer: Marks and Spencer

Footglove™ Widefit Leather Wedge Pumps, at MarksandSpencer
Round toe Stitch detail Slip on Wedge heel Heel height: 37mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Canale Estate Reserve Merlot 2007 - Case of 6, at M & S
Style: Full bodied Grape variety: Merlot Country of origin: Argentina Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Aluminium 24cm Frying Pan, at M+S
Grey aluminium design Triple layer non-stick finish Even heat distribution Diam 24cm, Manufacturer: Marks & Spencer

Body Formula Sole Scrubber, at Marks and Spenser
With natural pumice and fruit AHA's 125ml

Classic Collection Velour Wedge Slippers, at MarksandSpencer
Trim detail Velour finish Low wedge heel Floral lining

Pirramimma Stock's Hill Sauvignon Blanc Semillon 2007 - Case of 6, at Marks and Spenser
Style: Dry Grape Variety Sauvignon Blanc, Semillon Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 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 Long Sleeve Mock Shirt Jumper, at Mark's & Spencer
Fashionable and contemporary, this v-neck mock shirt jumper is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail makes it exceptionally stylish and comfortable

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 & 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 & Spencer Money, you get more, and you pay less.