When you're shopping at Marks and Spencer 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 Property Insurance and Motor 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 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."

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 Mark & 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 & Spencers, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

M&S Financial Services 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 Financial Services 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 and Spencer 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, 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 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 Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.

50/50 Bed Linen - Bed Set with Reversible Pillowcase & Duvet Cover, at Marks & Spencers
Single set: Duvet cover, 1 fitted sheet, 1 pillowcase Double set: Duvet cover, 1 fitted sheet, 2 pillowcases King Size (5ft) set: Duvet cover, 1 fitted sheet, 2 pillowcases Single set: Duvet cover - L198 x W137cm, fitted sheet - L190 x W91cm Double set: Duvet cover - L198 x W198cm, fitted sheet - L190 x W137cm King Size (5ft) set: Duvet cover - L218 x W228cm, fitted sheet - L200 x W152cm Fitted sheet depth: 25cm Pillowcase: L76 x W48cm Plain dye bed linen Easy to iron Plain fabric (no design) Reversible pillowcase and duvet cover Care instructions: Machine washable, Tumble dry Composition: 50% cotton, 50% polyester, Manufacturer: Marks & Spencer

Dine In Reds Mix - Case of 12, at Mark's & Spencer
4 Chteau de Balan Bordeaux 2006: A very well balanced claret with an aroma of blackcurrants and a hint of chocolate. Round, soft and very smooth on the palate with a slightly spicy, black pepper finish... 4 Domaine Mandeville Shiraz 2007:This is a beautifully smooth, ripe, flavour-packed, single estate French red. Look out for fruity notes of plum and blackberry with a rich hint of dark chocolate and spice, and a satisfying, rounded finish... 4 Ctes du Rhne rouge 2007:With its bright cherry flavours and floral, savoury scents, this is a scrumptious modern-style Ctes du Rhne. Made in an unoaked style to allow maximum fruit expression, this peppery, succulent red is medium bodied with soft tannins and gently warming finish... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Pure Cotton Short Sleeve Pyjama Top, at Marks and Spencer
Pretty and feminine, this short sleeve pyjama top is made from soft breathable cotton for a comfortable night's sleep

Classic Ceramic Towel Rail, at Marks & Spencers
Wall mounted Chrome finish H6 x W70 x D8cm, Manufacturer: Marks & Spencer

Per Una Buckle Shoes, at Marks and Spencer
Buckle feature Slip-on Mid heel Comes in sizes 3-8, including half sizes Heel height 74mm

Wedding Icons Card, at Marks and Spencers
Cover text: On your wedding day Inside message: Blank for your own message Approx. size: 230 x 114mm

Noisy Wooden Puzzle, at Marks & Spencer
Suitable for ages 1-3 years Match the colourful jungle animals to hear their amazing sounds With 5 animal noises This product conforms to EN71 and the Toy Safety Directive 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, Manufacturer: Marks & Spencer

Short Pillar Candle, at Marks & Spenser
Non-fragranced Pillar candle shape Single wick H12 x W24 x Diam 8cm, Manufacturer: Marks & Spencer

Recycled Satin & Suedette Bedcover, at Marks & Spencers
Large panel design Dimensions: H145cm x W200cm, Manufacturer: Marks & Spencer

The Mummy Blu-ray DVD, at Marks n Spencer
Rating Suitable for 15 years and over,

Cotton Rich Stripe Brazilian Knickers, at Marks and Spencer
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

Artificial Allium in Glass Vase, at Marks & Spencer
Artificial allium Coloured glass vase Height: 69cm, Manufacturer: Marks & Spencer

Autograph Pure Cotton Necklace Print Top, at Marks and Spenser
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

2 Younger Girls' Pure Cotton Heart & Star Print Pyjamas, at Marks & Spenser
Fun and fashionable, this pack of 2 pyjamas is made from soft breathable cotton

Older Girls' Permair™ Flower Bar School Shoes, at Marks and Spencer
Round toe Floral detail Single riptape fastening strap Flat sole Scuff resistant Permair™ micro porous coating makes the shoes scuff- and water-resistant and easy to clean, while allowing feet to breathe

Maternity Straight Leg Trousers, at Marks & Spensers
Fashionable and modern, these straight leg trousers are designed to flatter you and your bump. The stretch waist gives a neat, comfortable fit with room for growth. Enjoy your pregnancy in style!

Gold Plated Hooped Drop Earrings, at Marks & Spensers
Butterfly fastening Hoop design For hygiene reasons, refunds will only be given in accordance with your legal rights

Sony Ericsson T303 - T-Mobile Pay as you talk Mobile Phone, at Marks and Spencers
A maximum of 2 phones per customer may be purchased Talk time: Up to 9 hours Stand-by time: Up to 16 days Dimensions: 8.3 x 4.7 x 1.5cm Weight: 93g Screen: 128 x 160 pixel resolution, 65,536 LCD colours Camera: 1.3 megapixel Messaging: SMS and MMS - Combine image, video, text and voice clips and send an MMS to a compatible phone or PC Memory: 8MB Radio: Save your favourite channels as presets Music player: Plays multiple audio formats including MP3, AAC, AAC+, e-AAC+ and WMA

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

2 DD-G Cotton Blend Centre Bow Detail Bras, at Marks & Spencer
Soft and comfortable, these bras are specially designed for fuller busts. They're underwired and structured to give great support and a flattering enhanced shape

Sony DSC-H20 Digital Camera, at Marks and Spencer
Pixels: 10.1 megapixels Zoom: 10x optical zoom lens, up to 57x (with VGA) smart zoom, approx. 20x(Total)precision digital zoom Screen: 3 inches LCD monitor type: TFT ISO Sensitivity (REI): Auto,100, 200, 400, 800, 1600, 3200 CCD Type: Super HAD CCD Flash Mode: Auto, Forced Flash, Slow Syncro, No Flash Scene Selection: Twilight, Twilight Portrait, Twilight using a tripod, Backlight, Backlight Portrait, Landscape, Macro, Portrait Recording Media: Memory Stick™ Duo, Memory Stick PRO Duo™. Memory Stick PRO Duo™ High Speed, Memory Stick PRO-HG Duo™ (same speed as PRO Duo), Internal memory (11MB) Recording Format: JPEG, MPEG4 Battery System: Lithium G Supplied Battery: NP-BG1 Stamina (battery life) with the supplied battery(s) in normal shooting condition: 290 shots, 145min (CIPA standard with LCD screen on) Supplied Software: Picture Motion Browser Ver.4.2 (Windows only) + Music Transfer Supplied Accessories: Rechargeable battery pack (NP-BG1), Battery Charger, Multi Connector Cable, Wrist Strap, CD-ROM, Lens Cap Includes: Camera, European warranty card, quick reference guide, multi connector cable, lens cap, battery charger, instruction manual 10.1 effective megapixels resolution for very high quality imaging and detail-packed enlargements BIONZ processor delivers fast shooting responses and high-resolution images Powerful 10x optical zoom Carl Zeiss Vario-Tessar lens Optical SteadyShot image stabilization for reduced camera shake with handheld shooting, especially in low light or at high zoom settings 3-inch Clear Photo LCD Plus screen (230k dot resolution) Enhanced Smile Shutter automatically fires shutter when subject smiles: now easier to use with adjustable smile threshold Enhanced Face Detection with selectable adult/child priority high-speed subject tracking for clearer portraits. Includes Face Motion Detection and Selected Face Memory Intelligent Scene Recognition simplifies shooting by choosing best settings for difficult conditions such as twilight portraits and backlit scenes HD output to view video and still images on HD TV (requires optional cable). PhotoTV HD enhances still image viewing on compatible BRAVIA TV Dimensions: H7 x W11 x D5cm Weight: 250g (279g with accessories) 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

Autograph 12-Piece Bone China Dinner Set, at M&S
12-piece set Includes 4 dinner plates, 4 side plates and 4 cereal bowls Plain Dishwasher and microwave safe Dinner plate: Diam 27cm Side plate: Diam 22cm Cereal bowl: Diam 18 x H7cm, Manufacturer: Marks & Spencer

2" Longer Autograph Pure Cotton Rib Stripe Shirt, at Marks & Spencer
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Pure Cotton Long Sleeve Stripe Rugby Top, at Marks and Spencer
A fashionable smart-casual look, this comfortable pure cotton rugby top features a stripe design and an embroidered motif. Stylish, practical and easycare

First Readers The Enormous Turnip Sticker Activity Book, at M&S
Help your child learn to read with this Read and Learn sticker activity book. It's specially designed to help develop your child's early learning skills and includes interactive sticker versions of the story, as well as over 20 pages of extension activities to reinforce your child's learning and further develop their skills

Faux Pearl Long Necklace, at Marks&Spencer
Faux pearl Long length Necklace length 122cm

Limited Collection Spot Print Leggings, at Marks & Spensers
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

Older Girls' Heart Jelly Pumps, at Mark's & Spencer
Round toe Slip on Cut out heart detail Jelly design Flat sole

Medium Square Jewellery Box, at Marks and Spencer
4 drawers Square design

Water Hyacinth Laundry Basket, at Marks & Spencers
Lid with handle Removable lining H53 x 43.5cm top diam, Manufacturer: Marks & Spencer

There are lots of ways to save money using M&S Financial Services. Not least of these is Marks & Spencer Standard Motor Insurance. With M&S Financial Services 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 Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & Spenser, 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 Marks & Spencers Money, you get more, and you pay less.