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 Finance. Offering everything from savings accounts and credit cards, to Property Insurance and Motor Insurance, there's a lot more going on at Marks & Spensers 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."

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

M&S Finance 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 Finance 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 Marks & Spencers 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, Sainsburys, 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 Finance UK and European Breakdown Cover, since it covers you as a passenger too.

Stitch Detail Leather Gloves, at Marks and Spencers
Stylish and practical, these luxurious gloves are made from soft leather

Autograph Zip Funnel Neck Jumper with Wool, at Marks & Spenser
Fashionable and contemporary, this zip funnel neck jumper is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail makes it exceptionally stylish and comfortable

Abbey Storage Footstool, at Marks & Spencer
H51 x W76 x D76cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Top cushion lifts to reveal storage space inside the stool. Click here to view the storage space 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 birch 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 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Per Una Styled Floral Embroidered DD-G Bra, at Marks and Spenser
Fresh and feminine, this bra is beautifully embellished with floral embroidery. It's underwired and structured to give great support and a natural uplifted shape. Pretty everyday fashion

3 Pure Cotton Long Sleeve Assorted Tops, at MarksandSpencer
Fun and practical, this pack of 3 tops is great value. The soft cotton fabric will keep him comfy and happy

Magic Firm Control Lace Trim Waist Cincher, at Marks & Spencers
A great shape for those who want total body definition, the waist cincher flattens and shapes your waist, tummy and bottom. Great for wearing under dresses

Artificial Small Willow Twigs with Lights, at Marks&Spencer
String tied base Ready Made arrangement that needs no after care H80cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Belgravia Stool, at MarksandSpencer
H39 x W53 x D32cm (all dimensions are approximate) Seat cushions made from Quallofil Extralife filling Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Solid birch 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 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

Sun Formula Express Bronzing Spray, at Marks and Spencers
360 nozzle Non-streaky, non-greasy and quick drying Contains vitamin E to help prevent dryness 150ml This product is not available for international delivery. Find out more

Big & Tall Single Breasted Ultimate Blazer, at Marks and Spencers
Specially proportioned for big and tall men, this ultimate blazer is designed to give a flattering, comfortable fit

Ultimate Non Iron Royal Oxford Shirt, at Marks & Spensers
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Harvard Miniatures Giftset, at Marks and Spenser
1 x 50ml shower gel 1 x 50ml moisturising aftershave 1 x 50ml shave cream

Supima® Pure Cotton Non-Iron Plain Flat Sheet, at Marks & Spencers
Internationally recognised as the world's finest cotton High performance non iron finish offering the ultimate in easy care Supima is renowned for its superior strength, enhanced durability and sumptuous feel 180 thread count Single: W178 x L260cm Double: W228x L260cm 5ft (Queen): W275cm x L275cm 6ft (King): W310 x L275cm Depth 25cm, Manufacturer: Marks & Spencer

Playmobil Tractor with Hay Trailer, at Marks and Spencers
Suitable for ages 3+ Includes working front loader The cargo container can be tilted and the side walls flip down This product conforms to the EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Essentials Cowl Neck Jumper with Merino Wool, at Mark's & Spencer
A touch of fine merino wool adds softness and warmth to this pretty cowl neck jumper

3/4 Sleeve Spot Print Pyjama Top, at Marks and Spencers
Pretty and feminine, this 3/4 sleeve pyjama top is made with modal, a supersoft fabric that feels luxurious and comfortable to wear

3 Water Hyacinth Round Storage Baskets, at Marks & Spensers
Set of 3 Double contrast handles Woven design Large basket: H35 x 42cm diam Medium basket: H32 x 37cm diam Small basket: H28 x 32cm diam, Manufacturer: Marks & Spencer

ARCHOS Mini Dock, at Marks & Spenser
Free 2 year guarantee This small piece of hardware will probably be your favorite ARCHOS Internet Media Tablet accessory. The ARCHOS Mini Dock is a compact adapter that extends the functions of your ARCHOS Internet Media Tablet to include video output and USB device connections

Autograph Weekend 3/4 Sleeve Pintuck Bib Top, at Marks and Spencer
Stylish and sophisticated, this 3/4 sleeve top is cut to flatter and features pintuck bib design for a modern look

Graphic Floral Thank You Card, at Marks & Spenser
Cover text: Thank you Inside message: Blank for your own message Approx size: 150 x 150mm

Silver Burst Large Gift Bag, at Marks and Spenser
1 gift bag with tag Circle spot design Double handle Approx size: H:420 x W:300 x D:100mm

Pure Cotton Contrast Stitch Jeans with Belt, at Marks & Spencer
Contrast stitch gives these jeans a fun twist. A practical and fashionable style

Official England FA Woven Lined Jogging Bottoms, at Marks & Spencer
A must for footie fans! These official FA England joggers feature a tie waist and the three lions crest. A modern easycare style in soft comfortable cotton

Pure Cotton Long Sleeve Stripe Rugby Top, at Marks & Spencers
A neat smart-casual look, this comfortable cotton rugby top features a stripe design. Fashionable, practical and easycare

Baby Text Birth Announcement, at MarksandSpencer
Cover text: New baby Inside message: Would like to announce the birth of...a new arrival...on...time...weighing 10 cards, 1 design Approx size: 120 x 120mm

Chocolate Chrome Droplet Chandelier, at Marks & Spenser
5-arm design Chocolate finish Multi-faceted glass droplets H 98 x Diam 48cm Bulb: 5 x 60W E14 candle This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Jacquard Spot Print Lightweight Scarf, at Marks n Spencer
This sophisticated jacquard spot print scarf is the perfect accessory to this season's fashions. Tassel trim adds a stylish finishing touch.

Classic Collection Floral Print Skirt, at Mark's & Spencer
Elegant, stylish and comfortable, this pull-on skirt is finished with a floral print. The ideal match for blouses and fine knits in coordinating colours

Platinum Plated Diamanté Detail Floral Earrings, at Marks & Spenser
Hook fastening Floral design Diamant detail For hygiene reasons, refunds will only be given in accordance with your legal rights

Autograph Stud Detail Umbrella, at Marks and Spenser
Brighten up rainy days with this stylish lightweight umbrella

Besides Marks and Spencer Motor Insurance, M&S Finance Credit Cards and other financial products, M&S Finance Property Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Finance Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks and Spencers purchases are also protected while you take them home.

Also, on both M&S Finance Premier Property Insurance and Standard Property Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.