When you're shopping at Mark & Spensers 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 Finance. Offering everything from savings accounts and credit cards, to Buildings 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 Finance. 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 Finance, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Finance 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 Finance 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 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 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 Finance Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

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 and Spencer are so useful. M&S Finance financial products are, of course, designed to make Marks & Spencers 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, Buildings Insurance policies. Usually, UK Buildings 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 Finance Buildings 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 Finance Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

Sun Formula Protect & Refine Sun Lotion, at Marks and Spencers
Helps to prevent the signs of aging Firming and toning Skin refining 12 hour moisturisation Australian formula SPF25 gives up to 25 times your natural skins protection 125ml This product is not available for international delivery. Find out more

Little Acorns Musical Glitter Globe, at Mark & Spencers
Contains: 1 snow globe Approx size: H140mm

Zebra Print Jacquard Scarf, at Marks & Spencers
Add some sheer glamorous sparkle to your look with this elegant zebra print scarf. The perfect accessory to this season's styles

Fuji FinePix J250 Digital Camera, at Marks & Spensers
Pixels: 10.0 megapixels Zoom: 5x optical zoom, 5.7x digital zoom Screen: 3.0" TFT LCD Display ISO: Auto / Equivalent to ISO 100 / 200 / 400 / 800 / 1600 / 3200 (Standard Output Sensitivity) Dimensions: W9.2 x H5.79 x D2.26cm (excluding accessories and attachments) Weight: Approx. 151g (excluding accessories, battery and memory card) Face Detection: Face Detection technology with automatic red-eye removal Movie recording: 640 x 480 pixels, 320 x 240 pixels, 30 frames/sec. With monaural sound Power source: Rechargeable NP-45 Li-ion battery (included) Self-timer: Approx. 10sec. / 2sec. delay

Limited Collection Wooden Heel Court Shoes, at Marks and Spenser
Almond toe Court style Stitch detail Mid heel Heel height: 75mm Comes in sizes 3-8, including half sizes

Cotton Rich Long Sleeve Stripe Sweatshirt, at Marks & Spencers
Warm and comfortable, this fashionable sweatshirt is made from soft cotton featuring a stripe design and a fun side motif. A practical easycare style

40 Denier Silky Soft Opaque Tights, at Marks & Spencer
Complete with a reinforced toe and added stretch for lasting comfort and durability, these opaque tights are the perfect choice for giving your legs a wonderfully attractive sheen

Perfect Portfolio Cluster Trim Pumps, at Marks & Spensers
Square toe Cluster and bow feature Square heel Slip-on Comes in sizes 3-8, including half sizes

Older Boys' Supersoft Mule Slippers, at Marks and Spencer
Mule style Furry design Slip-on

Windsor 2-Drawer Bedside Chest, at M&S
H62 x W46 x D41cm 2 drawers Made from from solid pine Finished with low sheen lacquer for added durability Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered. Care & Cleaning: Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturer's instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Fancy Bird Brooch, at Marks & Spencer
Bird design Diamant detail Pin fastening

First Readers Beauty & The Beast Book, at Marks and Spencers
First readers help beginner readers to enjoy their favourite fairy tales. Sharing the main story and the delightful pictures with your child will develop familiarity with the words and phrases. Your child will soon be ready to read the short, simple sentences on each right-hand page

Older Girls' Star Button Ballet Pumps Slippers, at MarksandSpencer
Round toe 2 star button feature Ballet pump style Slip on Flat sole

Older Boys' Triple Riptape Strap Trainers, at Marks and Spencer
Round toe Stitch detail Triple straps with riptape fastening Grip sole

Autograph Pure Silk Wide Stripe Tie, at Mark's & Spencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Body Miracle Low Rise Lace Trim Shorts, at M&S
These pretty lace trim shorts are shapely and modern. Added stretch gives a comfortable, figure-flattering fit

Soft Grip Ladle, at Marks & Spenser
Manufacturer: Marks & Spencer

First Readers The Ugly Duckling Book, at Marks and Spencer
First readers help beginner readers to enjoy their favourite fairy tales. Sharing the main story and the delightful pictures with your child will develop familiarity with the words and phrases. Your child will soon be ready to read the short, simple sentences on each right-hand page

Crystal Nail File, at Mark & Spencers
The pattened design surface is ideal for gently shaping and smoothing nails Durable surface that is fully washable Perfect size for slipping into your handbag

Mini Limited Long Sleeve Animal Print Cardigan, at Marks and Spencers
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering.

125 Years Luxury Wool Rich 3 Button Stripe Jacket, at Mark's & Spencer
Part of the Commemorative Collection, celebrating 125 years of M&S. Fabulous vintage style inspired by our archives

Pure Cotton 3/4 Sleeve Cropped Cardigan, at Marks and Spencers
Modern and fashionable, this pure cotton cardigan is outstanding value

Cashmilon™ Pull-On Knitted Hat, at Marks and Spencer
Stay ahead of trends in this stylish knitted hat made from supersoft cashmilon™. Warm and cosy, it's perfect with the matching scarf and gloves

Suzie Damask Jacquard Duvet Cover, at Marks and Spencer
Comes in single (3ft), double (4ft 6in), kingsize (5ft) and super-kingsize (6ft) Damask jacquard design Cotton rich, Manufacturer: Marks & Spencer

Zip Through Hooded Fleece, at Marks and Spenser
Comfy and cosy, this fleece coat feels soft and warm and is great value. A practical, easycare style

Elastic Strap Patent Shoes, at Marks and Spencers
Patent finish Round toe Wide elastic band Slip on Mid heel Heel height 72mm Comes in sizes 3-8, including half sizes

Pure Cotton Short Sleeve Frill Trim Floral Top, at Marks & Spenser
Smart and stylish, this short sleeve top is made from cool comfortable cotton and features a frill trim and floral print

Pure Cotton Reversible Print Hooded Top, at Marks & Spensers
Long sleeves and a hood make this practical top warm, cosy and snuggly. It's made from soft comfy cotton and features a reversible option

Firm Control Magic Low Leg Lace Panel Full Briefs, at Mark's & Spencer
As if by magic, these knickers control and shape you where you need it most, flattening tummies and lifting bottoms. They're comfortable, breathable and easy to move in and a special finish keeps you cool and dry

Large Glass Tank Vase, at M+S
Square base Plain H40 x diam 15cm, Manufacturer: Marks & Spencer

There are lots of ways to save money using M&S Finance. Not least of these is Marks n Spencer Standard Motor Insurance. With M&S Finance 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 Finance, 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 Money Direct, you get more, and you pay less.