When you're shopping at Marks and 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 Money. Offering everything from savings accounts and credit cards, to Household 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 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."

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 & Spencer are so useful. M+S Money financial products are, of course, designed to make Marks & Spencers 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, Household Insurance policies. Usually, UK Household 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 Household 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 Household Insurance than you will anywhere else, and you may even pay less with M&S.

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 and Spencer 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 Spencers, 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 Motor Insurance, M&S Household Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Zandra Rhodes Twist Front Kaftan, at Marks & Spencer
Go for poolside glamour in this chic kaftan by Zandra Rhodes. It's hand embellished for a luxurious, eye-catching look and has a flattering deep V neckline and gathered twist detailing

Luxury Pure Cotton Fine Stripe Shirt, at Mark's & Spencer
The superior quality, cut and detailing on this luxurious pure cotton shirt are inspired by Jermyn Street tailors. A sophisticated style with a great fit

Collezione Luxury Wool Rich Twin Pleat Trousers with Cashmere, at Marks and Spencers
A fine pure wool provides the perfect complement to the smart design of these twin pleated trousers. Providing formal versatility, they're the perfect choice for the office or smart occasions

Per Una Long Sleeve Knitted Top with Necklace, at Marks & Spensers
A relaxed long sleeve knitted top featuring a v-neck. Delicate necklace gives it the Per Una touch

Pure Silk Floral Stitch Tie, at Mark & Spencers
Add a luxurious finishing touch with this contemporary floral stitch tie in pure silk

Griffin iClear for iPhone Invisible Protection, at Marks and Spencers
iClear encases your iPhone to provide total protection and total access to screen, controls, ports, and switches. Unobtrusive (almost invisible) design in a tough polycarbonate shell, strong enough to take the daily abuse of active lifestyles

Older Boys' Batmobile Slippers, at M & S
Round toe Grip sole Batmobile motif Slip on ™ & DC Comics

Handcrafted Photographic Pugs, at Marks and Spenser
Cover Text: Valentine I'll still love you, even when you're covered in wrinkles Inside Message: Happy Valentine's Day Approx size: 178 x 127mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Faux Leather Funnel Neck Ribbed Trim Bomber Jacket, at Marks & Spencer
Bomber jackets are a key look this season, and this faux leather style makes a fashionable choice

Gem Ball Pendant Shade, at Marks & Spencer
Faceted beads Ball design Metal frame Dimensions: H30.5 x Diam 30.5cm Bulb: 60W GLS or 11W CFL, Manufacturer: Marks & Spencer

Contrast Stitch Riptape Sandals, at Marks & Spenser
Open toe Riptape fastening Stitch detail Flat sole

12 Piece Linen Dinner Set - Beige, at M & S
Manufacturer: Marks & Spencer

Playmobil Horse Trailer Toy, at Marks n Spencer
Suitable for ages 4+ Includes two horses Removable vehicle roof 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

Sennen 12-Piece Dinner Set - Blue, at Marks and Spencer
12-piece set Includes 4 dinner plates, 4 side plates and 4 bowls Dinner plate: Diam 28cm Side plate: Diam 21cm Bowl: Diam 14cm Suitable for everyday use, Manufacturer: Marks & Spencer

Woodland Snail Rattle & Teether, at Marks and Spencer
Suitable from birth Soft toy with teether rings For added safety, the stuffing in this product is incorporated in an extra layer This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Xenon Collection Mobile Office Case, at Marks and Spencer
Free 5 year guarantee Take the hassle out of business travel with this practical mobile office. Stylish, practical and hardwearing, this rollercase offers plenty of storage space with compartments for your laptop and other important office documents

Zip Through Hooded Fleece, at Marks and Spencers
Comfy and cosy, this fleece coat feels soft and warm and is great value. A practical, easycare style

Corded Neckline Spot Print Jersey Top, at M&S
Smart and stylish, this jersey top is made from softly draping stretch viscose for a fluid look. The spot print adds a fashionable finishing touch

Low Rise Floral Lace Thong, at M & S
Perfect for wearing under tight-fitting clothing, this lacy thong won't give you any visible panty lines. It's comfortable and flattering, and the low rise style is ideal for wearing under hipsters

Little Acorns Birth Announcement Pack of Ten, at Marks n Spencer
Cover Text: New baby Inside Message: Would like to announce the birth of . . . . . .,A new arrival . . . . . . , On . . . ., Time . . . ., Weighing Pack Contains: 10 cards, 1 design Approx Size: 120 mm x 120 mm

North Coast Pure Cotton Straight Leg Trousers, at Mark's & Spencer
Relaxed and comfortable, these pure cotton straight leg trousers give a fashionable casual look

Per Una Plain Cosy Dressing Gown, at Marks & Spensers
Modern and feminine, this pretty plain dressing gown is made from soft fabric so you can relax in comfort and style. Part of Per Una's sleepwear collection

Plaza Pencil Pleat Curtains, at M&S
Pencil pleat Lined Comes in three drop lengths: short (137cm/54''), medium (183cm/72''), long (229cm/90'') Comes in standard 168cm/66in (STD) and wider 219cm/86in (WDR) widths How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Rugby Keyring, at M & S
You'll never lose your keys again with this eye-catching keyring with its rugby themed pendants

Cut Swirl Wine glass, at Marks & Spencer
V-shape Wide base Swirl design Dishwasher safe Height: 24.5 cm Capacity: 38 cl, Manufacturer: Marks & Spencer

Talladega Nights Blu-ray DVD, at Mark & Spencers
Rating Suitable for 18 years and over,

Panasonic Lumix DMC-FS7 Digital Camera, at Marks and Spenser
Pixels: 10.1 megapixels Optical zoom: 4x Digital zoom: 4x Display: 2.7 inch TFT colour LCD Screen ISO Sensitivity: Auto / 80 / 100 / 200 / 400 / 800 / 1600 High Sensitivity (ISO 1600-6400) Dimensions: W9.7 x H5.4 x D2.1cm Weight: Approx. 139g with Battery and SD Memory Card, Approx. 117g (without) Power: ID-Security Li-ion Battery Pack (3.6V, 940mAh) (Included) / AC Adaptor (Input: 110-240V AC) (Optional) Recording Media: Built-in Memory (approx 50mb), SD Memory Card, SDHC Memory Card, MultiMediaCard (Still image only) Built-in-Flash: Auto, Auto/Red-eye Reduction, Forced On, Forced Off 0.3 - 6.3m (Wide/ISO Auto), 0.5 - 3.0m (Tele/ISO Auto)

Stainless Steel Can Opener, at Marks and Spencer
Classic design Built-in bottle opener, Manufacturer: Marks & Spencer

Classic Collection Cashmilon™ Plain Top, at M&S
Stylish and so comfortable, this plain top in softest cashmilon™ feels as good as it looks and the short sleeve ribbed trim adds the perfect finishing touch

Round Face Analogue Watch, at Marks and Spencer
Round face Analogue Buckle fastening Stitch detail 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

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

• M&S Insurance: M&S Motor Insurance, M&S Household 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 M & S, it's easy to see that these are good financial products, at value-for-money prices.

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