When you're shopping at M+S 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. Offering everything from savings accounts and credit cards, to Home Insurance and Car Insurance, there's a lot more going on at Mark & Spencers than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Money. 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, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Money 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 & Spencers 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 and Spencer, through its M&S Money website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

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 Money financial products are, of course, designed to make Marks & Spencer 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 Money 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 Money Home Insurance than you will anywhere else, and you may even pay less with M&S.

Pure Cotton Short Sleeve Graded Stripe Polo Shirt, at Marks & Spensers
A stylish smart-casual look, this short sleeve polo shirt in soft cotton features a graded stripe design. Practical, comfortable and easycare

Non-Wired Embroidered Floral Stripe Bra, at Marks & Spensers
Soft and comfortable, this embroidered detail bra is structured for secure support and an enhanced natural shape. Ideal for everyday wear

Pinot Grigio Pfalz Qualitätswein 2007 - Case of 12, at Marks & Spencer
Style: Dry, light to medium bodied Grape variety: Pinot Grigio (Pinot Gris) Country of origin: Germany Closure: Synthetic closure Bottle: 12 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Stripe Print Tankini Top, at Marks & Spenser
Feminine and fashionable, this stylish tankini top features a striking stripe print. A sleek, shapely look

Footglove™ Leather Widefit Wedge Pumps, at Marks & Spenser
Round toe Stitch detail Slip-on Wedge low heel Wide fit Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Stainless Steel Slotted Spoon, at Marks & Spencer
Cut-out slot design Loop in the handle for hanging L34.5cm, Manufacturer: Marks & Spencer

Duo Twist Platinum-Plated Rings, at Marks & Spencers
An elegant display of understated glamour puts this gorgeous platinum plated ring in a class of its own

Per Una Cream Eye Shadow, at Marks&Spencer
Pen style applicator Waterproof Smudgeproof Comes in 6 different shades 5ml

Autograph Essentials Vintage Rose Embroidered Shorts, at Mark's & Spencer
Elegant and feminine these flattering shorts feature rose embroidered details. The modern low leg hipster styling gives a shapely fit. Beautiful exclusive lingerie

Short Sleeve Satin Box Pleat Belted Shirt, at Marks and Spencer
Make a stylish statement with this shimmery short sleeve shirt. A great way to get a sophisticated new look

Divan On Legs & Autograph M500 Zip & Link Mattress, at Marks & Spencer
No turn mattress: medium / firm tension Mattress and divan are anti-allergy Mattress: spring count 1225, depth 27.5cm Divan height: 31cm Single 3ft: W90 x L190cm Double 4ft6: W135 x L190cm King size 5ft: W150 x L200cm Super king size 6ft: W180 x L200cm This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer, Manufacturer: Marks & Spencer

Pure Cotton Transformers T-Shirt, at Marks & Spencers
Fans of Transformers will love this short sleeve t-shirt featuring Optimus Prime. A practical, easycare style

2 Machine Washable Floral Pattern Ties, at Marks & Spencer
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

Autograph Pure Cotton Stormwear™ Bomber Jacket, at Marks n Spencer
Layer on some serious spring style with this cool lightweight jacket, in 4 key shades for the season

Rococo Style Photo Frame 10 x 15cm (4 x 6''), at Mark's & Spencer
Display your favourite photos in timeless style with this beautiful Rococo inspired photo frame

Ruched Floral Bedcover, at Marks and Spencers
Floral design Ruched finish Stitched detail, Manufacturer: Marks & Spencer

Butterfly Text Wedding Card, at Marks and Spencer
Cover text: Wedding, With love on your Special Day Inside message: Blank for your own message Approx size: 220 x 220mm

5 Cotton Rich Flock Floral Print Knickers, at Marks and Spenser
These flock flower print cotton rich knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Per Una Linen Blend Patch Skirt, at MarksandSpencer
An elegant knee-length skirt in a crisp linen blend. The patch design and arch panel hem detail give it the Per Una touch

Autograph M500 Mattress - Firm, at Marks and Spenser
Single (3ft): W90 x L190cm Double (4ft 6in): W135 x L190cm King Size (5ft): W150 x L200cm Super King Size (6ft): W180 x L200cm Depth: 28cm Entirely handmade Individually pocketed springs Deep pillowtop layer containing high quality fillings of cashmere, silk and super-soft reflex foam Two further layers of cotton and polyester underneath the pillowtop Double row of hand side-stitching to add support to the edges Spring count: 1225 Anti-allergy protected for the life of the mattress Does not require turning Manufactured in the UK Zip & Link mattresses unzip into 2 pieces - easier to fit into your home 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

Signature Grapefruit & Ginger Scented Filled Candle, at Marks and Spencer
Glass holder Grapefruit and ginger fragrance Burns up to 40 hours, Manufacturer: Marks & Spencer

Lace Trim Brazilian Knickers, at Marks & Spensers
Brazilian briefs are the newest trend in knicker shapes with their flirty cutaway styling at the front and back. These flattering lace trim briefs are designed to make the most of your figure

Footglove™ Ruched Trouser Shoes, at M&S
Pointed toe Ruched design Low ankle fit Footglove™ soles are comfortable, highly flexible and lightweight High heel

Royal Jelly & Pure Honey Soap Stack, at M&S
Pack of 5 Moisturising 200g

Shepherds Ridge Marlborough Sauvignon Blanc 2008 - Case of 6, at Marks n Spencer
Style: Dry, unoaked, medium bodied Grape variety: Sauvignon Blanc 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

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

Easycare Satin Check Short Sleeve Shirt, at Marks & Spencer
This easycare shirt has a smart and cool satin check design. Short sleeves will take the heat off in the summer

5 Cool & Fresh Cotton Rich Assorted Briefs, at Marks and Spencer
Made from soft breathable cotton, these comfy briefs are ideal for everyday wear

Classic Chablis - Case of 6, at Marks and Spenser
1 Chablis Oliveira Lecestre: Delicious, classic Chablis from a family-owned property in the heart of the region... 1 Chablis Malantes Domaine St Louis: This is delicious Chablis with a modern twist... 1 Domaine Joseph Garnier Chablis: An intense, rich Chablis that shows aromas of grilled nuts and fresh herbs... 1 Chablis Domaine Bois d'Yver: This is an engagingly broad, smoky style of Chablis with moreish flavours of apricot skin, red apples and fresh herbs... 1 Chablis Domaine Vincent Sauvestre: This is classic Chablis in all its delicious, mouth-watering finest... 1 Chablis La Source Organic: Made from organic vineyards in the heart of Chablis... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Pure Wool Pinstripe Suit Trousers, at Marks and Spencers
Smart and stylish, these suit trousers are made from pure new wool for strength, comfort and durability. Ideal for sixth form wear

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