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 Financial Services. Offering everything from savings accounts and credit cards, to Buildings & Contents Insurance and Motor Insurance, there's a lot more going on at Mark's & 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."

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 Marks & Spenser 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 & Spencer, through its M&S Financial Services 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.

There are lots of ways to save money using M&S Financial Services. Not least of these is Marks & 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 Marks and Spencers, 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.

Per Una Wool Blend Cape Cardigan, at Marks and Spencers
A fashionable 3/4 sleeve cardigan in soft wool blend. The cape style makes it extra stylish

Corby 7700 Trouser Press, at Marks and Spencer
No need to dampen trousers before pressing. The inherent humidity content of natural and mixed fibres assists the pressing process Features a jacket hanger 15, 30 & 45 minute settings Automatic cut-off Manual cancel option Deep coin tray LED countdown display Wall mounted dimensions: H95 x W42x D13 (opens to 34cm) Free-standing dimensions: H110 x W46 x D33cm (opens to 48cm) 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

Sprung-Edge Divan with 1 Small + 1 Large Drawer & F100 Mattress, at Marks and Spencers
Single Mattress (3ft): W90cm x L190cm Single Divan (3ft): W90cm x L190cm Mattress depth: 24cm Divan Height: 41cm Large Drawer: H14 x W78 x D52cm, Small Drawer: H14 x W40 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table Open coil mattresses provide a hard-wearing and supportive background Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Short Sleeve Wavy Knitted Shirt, at M & S
Smart and stylish, this wavy knitted shirt is made from stretch fabric for a flattering and fashionable fit

5 Pure Cotton Assorted Bodysuits, at Marks & Spencer
Cute and practical, this pack of 5 bodysuits is great value. Popper fastenings and envelope necklines make quick changes easy and the soft cotton fabric will keep her feeling comfy and happy

Pure Cotton Contrast Trim Stripe Shirt, at Marks and Spencer
Smart and stylish, this stripe shirt is made from cool comfortable cotton and features contrast trim

Footglove™ Sporty Trouser Shoes, at Marks & Spenser
Round toe Stitch detail Slip on Low wedge heel Comes in sizes 3-8, including half sizes Footglove™ soles are comfortable, highly flexible and lightweight

Textured Mid Calf Length Piped Skirt, at Mark & Spensers
Chic and stylish, this skirt makes a great choice for work or smart occasions. It's machine washable for added convenience

Pure Cotton Ditsy Print Mock Layer Top, at Marks & Spencers
It looks like a shirt and knitted top, but this fashionable mock layered design is just one piece. The ditsy floral print adds a stylish touch.

PSP™ Daxter Game, at Marks & Spencers
A bug-blitzing adventure, tying up many loose ends from the Jak series Quirky multiplayer action Compatible with Jak X: Combat Racing for PlayStation 2 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 *Must be returned with the tamper seal intact for full refund, Platforms: Sony PSP, ESRB Rating: Kids to Adults

Cats Shopping List, at Marks&Spencer
1 magnetic shopping list (approx. 30 sheets of paper) 1 black ink pen (non refillable) Approx Size: 130 x 255mm

Ribbon Blossom Thank You Card, at Marks and Spencers
Cover text: Thank you Inside message: Blank for your own message Approx size: 150 x 150mm

Casual Leather Contrast Stitch Belt, at Marks and Spencer
This leather belt is ideal for wearing with casual styles

Front Panel Knee High Stretch Boots, at Mark & Spensers
Pointed toe Front panel stitch detail Knee high Mid heel Heel height: 65mm Added stretch Comes in sizes 3-8, including half sizes

Samsung 32'' LE32B450 HD Ready LCD TV, at Mark & Spensers
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 32 inch Widescreen LCD TV, 1366 x 768 resolution Contrast Ratios: High Contrast Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: W797.7 x H84.8 x D530.5mm (without stand) W797.7 x D576.5 x H252mm (with stand) Weight: 11.4kg (with stand), 9.1kg (without stand) SRS TruSurround XT: For enhanced surround sound effect Connectors: 1 x Scart, 2 x HDMI, RF input, Composite(AV), PCMCIA Card Slot, PC input (D-sub) DNIe+ Technology: The Digital Natural Image Engine produces images with incredible depth and density. Advanced contrast and detail enhancers combine to produce deeper richer lifelike colours Wide Colour Enhancer 2: Primary colours are strengthened to increase depth and intensity to show pictures in all their natural beauty Clear Panel Prevents glare to keep images clean and clear Anynet+: The Anynet+ system allows control of a SAMSUNG Anynet+ TV via one single remote control 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 Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial This product is not available for international delivery. Find out more Use wall mount

Per Una Floral Embroidered Lace Brazilian Knickers, at Marks and Spenser
Elegant and feminine, these stylish knickers are made from soft stretch lace. The modern Brazilian style gives a close fit and a flattering shapely look. Pretty everyday fashion

Autograph Pure Cotton Bootleg Jeans, at Marks & Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Short Sleeve Contrast Gingham Shirt, at Marks & Spencers
This fab short sleeve shirt features a stunning gingham design. A sophisticated new look, perfect for this season

5 Pure Cotton Plain Shorts, at M&S
Practical and fashionable, this 5 pack of cotton shorts makes a great way to stock up on essential style

Pure Cotton Gathered Short Sleeve Mock Layer Top, at M+S
Smart and stylish, this mock layer top is made from cool comfortable cotton and features gathered short sleeve

Tennis Set, at Marks & Spencer
2 rackets 2 balls Zip fastening case with shoulder strap and mesh ball holder Racket: 690 x 280mm Tennis ball: 210mm Bag: 490 x 280mm 762g This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

3 Pure Cotton Assorted Briefs, at Marks & Spencer
Offering superior comfort at a great value price, these classic briefs are a fantastic choice for everyday wear thanks to fuss-free easycare cotton

Ceriso Styled French Maid Stripe Underwired Bra, at M & S
Feminine and fashionable, this modern bra is beautifully detailed with lace trim and rose feature. It's underwired for extra support and the padded plunge style gives a fabulous enhanced cleavage. Designed for women who want the latest look

Pure Silk Woven Diagonal Stripe Tie, at Mark & Spensers
Add a luxurious finishing touch with this smart multi stripe tie in pure silk

Younger Boys' Cars Team McQueen Dressing Gown, at Marks and Spencer
A must for fans of Disney's Cars, this fluffy dressing gown features fun motifs of the popular character Lightning McQueen

Handcrafted Valentine's Kisses Bulldog Valentine Card, at M+S
Cover Text: Valentine kisses Inside message: Just for you xxx This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

Playstation 3® Singstar® ABBA, at Marks and Spenser
Featuring 25 legendary ABBA hits Includes all the classic SingStar multiplayer modes With support for high definition music videos plus access to the SingStore. Suitable for ages 3+ Enhanced with PLAYSTATIONEye 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 This product is not available for international delivery. Find out more *Must be returned with the tamper seal intact for full refund, Platforms: PLAYSTATION 3, ESRB Rating: Everyone

Autograph Widechalk Trousers, at Marks and Spenser
Perfect for smart occasions, these classic widechalk stripe trousers make a fashionable and practical choice

Athenian Column Table Lamp, at Marks & Spencer
Antique brass finish Parchment style shade Column detail stem Square base Resin base H57 x Diam 23cm Bulb: 60W BC GLS This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sex and The City: The Movie DVD, at Marks and Spencers
Rating Suitable for 15 years and over,

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