When you're shopping at Marks & 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 Money Direct. Offering everything from savings accounts and credit cards, to Property Insurance and Car Insurance, there's a lot more going on at MarksandSpencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Money Direct. 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 Money Direct, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Money Direct 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 Money Direct offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Money Direct Car Insurance is not like that at all, and when you compare M&S Car 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 and Spencer 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car 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 Car 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 Money Direct UK and European Breakdown Cover, since it covers you as a passenger too.

M&S Money Direct 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 Car 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; Car Insurance and Property 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 Property 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 Money Direct Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Black & Decker® DV9605TN Cyclonic Action Dustbuster® Vac, at Marks & Spensers
9.6V for powerful and effective pick-up Wet and dry Dustbowl Capacity - 700 ml Runtime - 13 minuttes Cordless for use anywhere Built-in crevice tool for greater accessibility and extra convenience Cyclonic Action spins dirt away from the filter maintaining optimum suction power New filter cleaning system to allow better dirt management Double action filtration allows the product to perform better and last longer Accessories are stored on board, always at hand for your cleaning jobs Multi-surface charging base, so it can be wall mounted or kept on the worktop Extra large bowl requires less emptying Window bowl so you know when to empty the Dustbuster Ergonomic design

Blue Harbour Straight Leg Jeans, at Marks & Spencer
A fine and relaxed alternative to the usual blue jeans, you'll really enjoy the dark colour of these. Their cut is as flattering and relaxed as you'd expect from Blue Harbour, with a zip and button fastening and belt loops

Autograph Monroe Bedstead with TV Option, at Mark & Spencers
Headboard H102cm, endboard H96cm, underbed H13cm Double: W144 x L246cm King: W159 x L256cm Super king: W189 x L256cm Upholstered with real leather Mattress sold separately Designed for use with M&S 26'' and 32'' TVs and Sony Bravia 32'' 3000S & 3000D. Maximum TV depth: 115mm. Other makes and models may not attach to the rise/fall mechanism TV and DVD player sold separately Scart leads sold separately (5m lead recommended) TV requires a 3-plug extension lead to connect to fixed plug socket. Extension lead sold separately. (5m lead recommended) TV requires an aerial cable to connect to the aerial socket in the room. Aerial lead sold separately Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Delivered flatpack due to size This product is not available for international delivery. Find out more Access to scart sockets is hindered by the rise/fall mechanism of this bed. M&S recommends that customers have 2 scart leads available for installation by the delivery team in case a DVD player or cable TV box is desired at a later date Customers should consider the position of TV aerial connections and power source in the room, Manufacturer: Marks & Spencer

Jewelled Collection - Floor Lamp, at Marks&Spencer
Cyclinder shade Tall stem Chrome plated Facetted faux jewel design H153 x Diam 40cm Bulb: ES 100W GLS or 21W CFL, Manufacturer: Marks & Spencer

3 Water Hyacinth Round Storage Baskets, at Marks and Spenser
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

Janisson & Fils Champagne - Case of 6, at Marks and Spencer
Grape variety: Pinot Noir, Chardonnay and Pinot Meunier Country of origin: France Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Resort 3 Blade Travel Fan, at Marks and Spencer
Keep cool on the move with this handy travel fan

Cotton Rich Drawstring Corduroy Trousers, at Marks and Spencer
Stylish and versatile, these comfortable cords can be worn smart or casual. A practical easycare choice

Clever Baby Touch & Learn Sounds Book, at Marks and Spencers
Touch and Learn Sounds encourages 1 to 2 year olds to build on their learning skills. Its lot of fun too with chunky tabs to choose from and different textures to touch and explore

Short Sleeve Boyfriend Cardigan, at Marks and Spencer
Modern and stylish, this cardigan features a single button fastening. Ideal for layering

Machine Washable Circle Pattern Tie, at M&S
No more trips to the drycleaners! This smart circle pattern tie is machine washable

Autograph Pure Cotton Necklace Print Top, 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

Light Control Low Leg Briefs, at Marks & Spencer
Look slimmer in seconds! These light control knickers gently flatten tummies for a sleeker, slimmer silhouette

Autograph Weekend Cotton Rich Kickflare Jeans, at Marks & Spenser
These Autograph Weekend kickflare jeans are cut for a fabulously flattering look. This contemporary style is essential for an effortless weekend wardrobe. Added stretch ensures a comfortable fit

Fresh Rose Pot Pourri Box, at Mark & Spensers
Fresh rose scented Presented in a box, Manufacturer: Marks & Spencer

Autograph Weekend Long Sleeve Pyjama Top, at MarksandSpencer
Luxurious and sophisticated, this modern long sleeve pyjama top is part of our exclusive Autograph Weekend collection. Made from the softest fabrics for the ultimate in comfort, it's beautifully designed and finished

Floral Detail Plimsolls, at Marks & Spensers
Round toe Riptape fastening Flower detail Contrast stitch Ribbed flat sole

Sleeveless Cable Knitted Cardigan with Cashmere, at Marks & Spencer
A touch of cashmere adds luxurious softness to this practical sleeveless cardigan. A smart modern look

Adored Half Lace Underwired Bra, at Marks & Spencer
Delicate and pretty, this non-padded bra is made from the softest fabric, embroidery and lace, so it's blissfully comfortable to wear. It's underwired and shaped for an uplifted natural look

Stainless Steel Milk Jug, at Marks and Spencer
Stainless steel Single handle Pouring spout, Manufacturer: Marks & Spencer

Royal Jelly & Pure Honey Moisturising Body Cream, at Marks and Spencers
Moisturising body cream 200ml

Perfect Autograph Silk Rich Padded Pleat Bra, at M&S
Glamorous and sophisticated, this luxurious bra is made from soft stretch silk, finished with a lace trim. Gentle padding and underwiring give a flattering uplifted shape. Beautiful exclusive lingerie

Body Formula Intensive Night Time Hand Serum, at M&S
Active skin regeneration complex Visibly reduces wrinkles and evens skin tones Vitamin C to nourish 75ml

Older Girls' Cotton Rich Fruit Print Crop Top & Shorts Set, at Marks & Spencers
This pretty matching set is soft, stretchy and comfortable to wear. The crop top makes a great way of getting girls used to the idea of wearing bras

Stitched Waistband Straight Leg Trousers, at Marks & Spensers
Smart and stylish, these straight leg trousers are outstanding value. They're easycare and makes a great choice for work

Canon PowerShot SX200 Digital Camera, at Mark & Spencers
Pixels: 12.1 megapixels Zoom: 12x optical zoom, 4x digital zoom Screen: 3.0'' LCD display ISO: AUTO, 80, 100, 200, 400, 800, 1600 Dimensions: W103.0 x H60.5 x D37.6 mm Weight: 220g Motion Detection Technology: Eliminate blur by compensating for subject motion and camera-shake PictBridge Enabled: Enables you to print images using a USB cable to connect the PowerShot A470 to a printer without a PCFace Detection Technology: Ensures superb people shots by automatically setting optimum focus, exposure, flash and white balance Red-Eye Correction: Easily removes red-eye in-camera Processor: DIGIC 4 processor drives exceptional processing speeds, responsive operation, superb image quality and colour reproduction. Advanced Noise Reduction ensures richly detailed, clean images, even at high ISO speeds Shooting Modes & Special Scenes: 14 shooting modes include Special Scenes like Sunset, Portrait and Kids & Pets, which make it easy to get great results in common shooting situations. My Colors in-camera photo effects such as Black & White can be applied during shooting HD movies and HDMI output: Supplement great still shots with HD movies (720p, 30fps) and share them on any HDTV via a built-in HDMI connection System requirements: Windows XP SP2-3 / Vista (including SP1), Mac OS X v10.4 - 10.5 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

Florentyna Body Lotion, at Marks & Spenser
Body lotion with moisturisers 250ml

2 Cotton Rich Frill Tights, at Marks & Spencers
Cute and comfy, these soft cotton rich tights feature a pretty frill design at the back

Per Una Drawstring Hooded Parka, at Marks & Spenser
A modern drawstring hooded parka featuring a water repellent finish

Big & Tall Pure Cotton Single Pleat Trousers, at M&S
No more trips to the drycleaners! These smart, fashionable trousers can be machine washed and tumble dried. Perfectly proportioned for big and tall men

There are lots of ways to save money using M&S Money Direct. Not least of these is Marks & Spencers Standard Car Insurance. With M&S Money Direct 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 Money Direct, 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.