When you're shopping at Marks and Spenser 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 Car Insurance, there's a lot more going on at Marks & 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."

There are lots of ways to save money using M&S Financial Services. Not least of these is Marks & Spencer Standard Car Insurance. With M&S Financial Services you can keep the cost of your Car 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 Car Insurance cover from M&S Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car 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 Car Insurance from M&S Money, you get more, and you pay less.

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the Marks & Spencer online store. Here are just some of the financial products which can be purchased via the M&S Financial Services website:

• M&S Insurance: M&S Car Insurance, M&S Home Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks and Spencer, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Financial Services in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Financial Services website.

Humbug Bead Necklace, at M&S
Clasp fastening Multiple bead design Necklace length 41cm, extendable by 8cm

Cotton Blend Long Sleeve Boyfriend Cardigan, at Marks & Spenser
Soft and comfy, this long sleeve boyfriend cardigan is made from cotton blend and features a front tie waist. A fashionable easycare style

Leather Multi Colour Loop Belt, at Marks & Spencer
This leather notched belt is ideal for wearing with casual styles

3 Older Girls' Santoni Picot Heart Bikini Briefs, at Marks and Spenser
Practical and fashionable, these bikini briefs feel soft and comfortable to wear

Lone Range Gimblett Gravels Red 2006 - Case of 6, at Marks & Spencer
Style: Dry Grape variety: Mixed Red Country of origin: New Zealand Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml:1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

5 Pairs of Lace Bikinis, at M & S
Practical everyday comfort meets flattering femininity with the easy to care for cotton blend and lace design of these great value bikinis

Limited Collection Bow Detail Faux Pearl Long Necklace, at Marks and Spencers
Clasp fastening Adjustable length Faux pearl design Bow detail Necklace length 107cm, extendable by 8cm

Nostalgic Fishing Dad 70th Birthday Card, at Mark's & Spencer
Cover text: Happy 70th Birthday Dad, May you have a very happy day, Made even happier, too, By the wishes and the thoughts of those, Who think so much of you Inside message: Hope you have a special day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

Floral Cut-Out Jewellery Roll, at Mark's & Spencer
Tie fastening Flap over style 2 inner zip compartments Floral cut-out design

3 Pairs of 40 Denier Opaque Tights, at Marks and Spencer
Complete with added stretch for shape retention and essential comfort. These simply outstanding tights are a terrific option for ensuring your legs look and feel their everyday best

Gold Plated Bedazzled Stone Ring, at Marks and Spencers
Cluster surround Large gemstone centre

Pure Cotton Animal Hooded Reversible Jacket, at Marks and Spencer
The animal print makes this little jacket super cute. It's warmly padded and made from soft cotton to keep him comfy and cosy

Nectarine and Orange Collection Scented Spheres, at Mark & Spensers
Nectarine and orange scent Pot pourri, Manufacturer: Marks & Spencer

Limited Collection Hippy Shaker Earrings, at Marks n Spencer
Hook fastening Drop style Hippy shaker design For hygiene reasons, refunds will only be given in accordance with your legal rights

Short Sleeve Front Circle Detail Top, at Mark & Spencers
This scoop neck top makes a perfect way of getting the smart casual look this season. It has a circle and pintuck detail for an extra touch of stylish chic

Halterneck Spot Print Tankini Top, at Marks and Spencer
Modern and colourful, this flattering tankini top is designed in the latest shape

Balgownie Estate Bendigo Cabernet Sauvignon 2005 - Case of 6, at Marks & Spencers
Style: Dry Grape variety: Cabernet Sauvignon Country of origin: Australia Closure: Screwcap Suitable for vegetarians and vegans 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

Platinum Plated Marquise Promise Ring, at Marks and Spencers
Cubic stone Platinum plated

Big Sister Star Medal Card, at Mark & Spensers
Cover text: I'm a BIG Sister! For a special big Sister Inside message: Hello my new big Sister! I'm very glad you're here, A Sister to look up to, And grow with every year. Someone to keep me safe, And someone to play with too, Of all the Sisters in the world, I'm glad that I've got you! Approx size: Unfolded: 215 x 150mm

Per Una Short Sleeve Lace Tunic & Vest Set, at Marks and Spenser
A colourful floral print lace tunic top featuring a plain inner vest

Classic Collection Flower Mesh Jersey Top, at M&S
Feminine and pretty, this flower mesh design top will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection.

Limited Collection Wedge Gladiator Shoes, at Marks and Spencer
Open toe Gladiator interweave design Tie fastening Wedge sole Mid heel Comes in sizes 3-8, including half sizes

Malabar Nest of Tables, at Marks and Spenser
Set of 3 H61 x L63 x W46cm (largest) Made from solid mango wood Protective low-sheen lacquer finish for added durability Legs made from solid wood Delivered flatpack due to size 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 manufacturers instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Limited Collection Turn-Up Cropped Trousers, at Marks and Spencer
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Classic Non-Wired Embroidered Cross-Over Bra, at Marks and Spenser
Soft and comfortable, this full cup non-wired bra is great value. They're designed to give gentle support and a flattering fit

Pure Cotton Floral Embroidered Vintage Cardigan, at Marks and Spenser
Knitted in pure cotton, this pretty floral embroidered cardigan will keep her warm and comfy. It looks cuddly too!

Total Support Daisy Embroidered Non-Wired Bra, at Mark's & Spencer
Soft and comfortable, this non-wired gives all-round support and uplift with good coverage, extra wide straps and 3 hook-and-eye fasteners. It's secure but gentle and lightweight, an ideal choice for everyday wear

Ceramic Emrald Platter Bowls, at Marks and Spenser
Circular shape H45 x L45cm, Manufacturer: Marks & Spencer

Silver Plated Trinket Y Design Necklace & Earring Set, at Mark's & Spencer
2 part set Y design necklace Butterfly fastening stud earrings

Machine Washable Diamond Spot Tie, at Marks & Spencer
No more trips to the drycleaners! This contemporary spot print tie is machine washable

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