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 Finance. Offering everything from savings accounts and credit cards, to Property 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 Finance. 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 Finance, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Finance 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 Finance. Not least of these is Marks & Spencer Standard Motor Insurance. With M&S Finance 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 Finance, which also has other features.

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

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 Mark & Spensers are so useful. M&S Finance financial products are, of course, designed to make Marks and Spenser 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, Property Insurance policies. Usually, UK Property 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 Finance Property 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 Finance Property Insurance than you will anywhere else, and you may even pay less with M&S.

Mirrored Floor Cabinet, at MarksandSpencer
H88 x W40 x D36cm With 1 shelf Mirrored glass finish with clear knobs All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item 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 SAVE ON SETS Save at least 30% when you buy this floor cabinet as part of a set. Click here to view the Mirrored Collection Set. , Manufacturer: Marks & Spencer

5 Luxury Pure Cotton Patterned Handkerchiefs, at Marks & Spensers
A great value pack of pure cotton handkerchiefs

Classic Butterfly Wife Wedding Anniversary Card, at M & S
Cover text: For my Wife On our Anniversary Inside message: With all my love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 125 mm

Per Una Lightweight 3 Piece Shrug Top, at Marks & Spencer
A fashionable 3/4 length sleeve shrug featuring a floral lace top and plain inner vest

Autograph Weekend Cotton Rich Jeans, at Marks & Spencer
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Kitten Photo Birthday Card, at Marks and Spencers
Cover Text: Have a lovely birthday Inside Message: Blank for your own message Approx size: 150 x 150mm

Mandorla Shiraz 2006 - Case of 12, at Marks & Spencers
Style: Medium bodied Grape variety: Shiraz Country of origin: Italy Closure: Synthetic closure Suitable for vegetarians Bottle: 12 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

Black Half Frame Reading Glasses, at Marks and Spencers
Rectangle lens Black half frame For near vision and reading use only Not suitable for persons under 16 years of age Marks and Spencer reading glasses conform to British Standard BS: EN 14 139:2002

Double Breasted Funnel Neck Jacket, at Marks & Spencers
Smart and stylish, this double breasted funnel neck jacket makes a comfortable and practical choice

Per Una Floral Print Sequin Shoulder Bag, at Marks and Spencer
Sequin embellishment makes this fashionable bag even more special. Give your look the Per Una twist!

2 Cotton Rich Strappy Vests, at Marks and Spencer
Stylish and practical, this pack of 2 strappy vests makes a great value way to stock up your underwear drawer. The soft stretchy fabric is the ideal choice for everyday wear and gives a comfortable flattering fit

Limited Collection Floral Print Keyhole Dress, 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

Girls' Limited Pure Cotton Acid Wash Dress, at Marks and Spencer
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Per Una Long Sleeve Riviera Cardigan, at M+S
A sophisticated long sleeve cardigan in a soft fabric. Featuring a chiffon trim to give it the Per Una touch

Formula Skin Care for Men Gift Pack, at Marks & Spenser
Includes: Face wash 40ml Eye reviver 15ml 24 hour moisturiser 40ml

Blue Circles Holographic Roll Wrap, at Mark's & Spencer
1 roll wrap Approx size: 1.5 x 700mm

Bordeaux AC Sauvignon Blanc 2007 - Case of 12, at Marks & Spensers
Style: Dry, fresh and fruity Grape variety: Sauvignon Blanc Country of origin: France Closure: Synthetic closure Suitable for vegetarians Bottle: 12 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

All Whites Welcome Mix - Case of 12, at Marks & Spencer
2 Pinot Grigio Trentino 2008: A delightful example of Pinot Grigio from the cool foothills of Trentino in northern Italy... 2 Spinsanti Chardonnay 2008: An elegant and refreshing, lightly oaked Chardonnay from the Mendoza region of Argentina... 4 Domaine de L'Arbre Blanc 2008: A deliciously fruity Mediterranean white from the sunny South of France... 4 Aldea White 2008: This fruity, unoaked white wine is bursting with flavours of pineapple, apricot and aromatic herbs... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Anodised Aluminium 18cm Saucepan, at Marks & Spenser
Clear lid with handle Riveted handle for durability Charcoal-coloured aluminium design Excellent heat distribution with no hot spots Non-stick interior for low-fat cooking and easy cleaning Handwash only Suitable for all cooker types except induction Diam: 18cm Capacity: 2.2 litre Oven safe to 180C/350F/gas mark 4, Manufacturer: Marks & Spencer

Nintendo DS™ LEGO® Batman®: The Videogame, at Mark's & Spencer
Fight for justice as Batman and Robin or create chaos as The Joker, Catwoman and other villains, as you save or wreak havoc in Gotham City Rocket through sewers and bound across rooftops as you take the fight to the criminals across classic locations in Gotham City Fight on land, sea and in the air using a number of powerful Batman, Robin and villain-controlled vehicles, including the rocket-powered Batmobile, sleek Batboat and stealthy Batwing Enhance the abilities of the Dynamic Duo by unlocking Batman's Demolition, Sonic and Glide suits and Robin's Gravity, Magnetic and Dive suits to help fight Gotham's villains Play through the game in Story Mode from both the hero and villain sides The Nintendo DS version will offer touch screen interaction, and two-player co-op using the DS local wireless network capability You must be 7 years of age or over to purchase this product 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, Platforms: Nintendo DS, ESRB Rating: Kids to Adults

4 Sennen Mugs - Linen, at Marks and Spencer
4 piece set Contrast design H11 x Diam 9cm, Manufacturer: Marks & Spencer

Platinum Plated Diamanté Detail Floral Earrings, at Marks and Spencers
Hook fastening Floral design Diamant detail For hygiene reasons, refunds will only be given in accordance with your legal rights

Adored Comfort Pansy Lace High Leg Knickers, at Mark's & Spencer
Delicate and stylish, these briefs are made from the softest fabric and trims, so they feel blissfully comfortable to wear. The high leg style makes legs look longer, giving a flattering shapely fit. Feminine everyday lingerie

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

Bear Collection - Cuddle Robe with Mitt, at Marks and Spenser
75 x 75cm Contrast trim Pure cotton Embroidered bear design, Manufacturer: Marks & Spencer

Sebo K3 Vulcano Cylinder Vacuum Cleaner, at Mark & Spencers
Requires 3-litre filter bag Hospital grade pre-motor filter 2.1 metre extra-long hose Triple microfilter S-CLASS system - The Sebo S-CLASS system will remove 100% of particles of 1 micron and above Excellent for carpet, hard flooring and pet hair Includes crevice nozzle and upholstery nozzle Anti-allergy design with British Allergy Foundation approval Quiet operation Dusting brush with clamp Floor turbo brush for powerful easy cleaning Airbelt soft bumper system Light and compact - 5.5kg weight 2100W motor 5 year parts and 2 year labour domestic use warranty 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 , Manufacturer: Marks & Spencer

Perfect Bootleg Trousers with Piping Detail, at Marks & Spencers
Elegant and timeless, the clean styling of these bootlegs make them a versatile essential you'll wear again and again

Bird Print Flexilite Umbrella, at Marks & Spencer
Brighten up rainy days with this stylish lightweight umbrella

Styled Pin Dot Shorts, at Mark's & Spencer
Sleek and stylish, these soft stretchy shorts are finished with smooth flat edges, so there are no visible outlines under clothes. The close fit and shorts style give a modern, shapely look. Designed for a streamlined silhouette

Ceramic Canoe Potpourri Bowl, at Marks and Spenser
Manufacturer: Marks & Spencer

M&S Finance 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 Finance 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 Mark's & 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 Tescos 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 Finance UK and European Breakdown Cover, since it covers you as a passenger too.