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 Car Insurance, there's a lot more going on at Marks&Spencer 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."

Besides Marks & Spenser Car Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Property Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Financial Services Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks and Spencer purchases are also protected while you take them home.

Also, on both M&S Financial Services Premier Property Insurance and Standard Property Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

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

Chrome Collection Mirror, at Marks & Spencer
Rectangular Wall mounted H50 x W35cm, Manufacturer: Marks & Spencer

A Bug's Life DVD, at Mark's & Spencer
Rating Universal, suitable for all,

Mini Limited Floral Print Dress and Leggings outfit, at Mark & Spensers
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering

Pink Sketchy Flowers Birthday Card, at Marks & Spencer
Cover text: Happy birthday Inside message: Have a lovely day Approx size: 174 x 126mm

Portfolio Pure Silk Cut-Out Pintuck Bib Blouse, at Mark & Spensers
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

125 Years Stormwear™ Pure Cotton Trench Coat, at Marks and Spencer
Part of the Commemorative Collection. These exclusive garments have been inspired by some of the beautiful pieces in our archive and reference the iconic decades of the 20th century. Retro styling has been given a contemporary twist for the modern day

Bamboo Duck Board, at Marks & Spencer
Slated design Approx size: H3 x W36.3 x L56.5cm, Manufacturer: Marks & Spencer

AVG 8.5 Internet Security - 1 Year License for 1 User, at Marks & Spencer
Anti-Virus: Protection against viruses, worms and trojans Anti-Spyware: Protection against spyware and adware Identity Protection: Prevents new and unknown threats from stealing your personal information like bank and credit card details Anti-Spam with anti-phishing: Filters out unwanted and fraudulent e-mails Anti-Rootkit: Protection against hidden threats (rootkits) Web Shield & LinkScanner: Protection against malicious websites Firewall: Blocks hacker attacks System Tools: AVG's System Tools let you easily configure your privacy settings, connections, and browser plug-ins all in one place Real-time: Real-time scanning, automatic updates, low-impact background scanning for online threats, and instant quarantining or removal of infected files to ensure maximum protection All inclusive: Technical support, virus updates, and new program versions included for the length of your license Minimum system requirements for AVG Anti Virus: Intel Pentium 1.2 GHz, 250 MB free hard drive space (for installation), 256 MB RAM available, MS Windows 2000

Older Girls' Floppy Floral Hat, at Marks & Spensers
Fashionable and fabulous, this floral hat makes a stylish finishing touch

Per Una Pure Cotton Printed Pyjamas, at Marks and Spencer
Modern and feminine, these pretty printed pyjamas are made from pure soft cotton. So you can relax in comfort and style. Part of Per Una's sleepwear collection

Harvard Aftershave, at Marks and Spencer
100ml This product is not available for international delivery. Find out more

Olivia Bedstead, at Marks and Spenser
Headboard H111cm Endboard H86cm Dbl: L204 x W144cm 5ft: L214 x W 159cm 6ft: L214 x W189cm Hand-forged solid bronzed steel frame Bronze powder finish Sprung beach slats to ensure excellent support, Mattress sold separately Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Star Print Hooded Fleece Jacket, at M & S
Soft and warm, this pretty star print hooded fleece jacket will keep her cosy

Collezione Long Sleeve Bomber Jacket, at Marks and Spencer
Smart and contemporary, this long sleeve bomber jacket is inspired by Italian tailoring

Autograph Foundation Brush, at Marks and Spencers
Handmade Enables you to achieve a controlled light and even coverage

Georgian Antique Silver-Effect Headboard, at Mark & Spencers
Headboard H84cm Single: W94cm Double: W142cm King size (5ft): W155cm Super king size (6ft): W185cm Antique-silver effect Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Rick Stein's Far Eastern Odyssey Book, at Marks & Spenser
Rick Stein's Far Eastern Odyssey is an epic culinary journey along rivers, through jungles and around coastlines. Along the way, Rick visits traditional family-run restaurants, street vendors, floating markets, night markets, fishing villages, and the local cinnamon and rice farmers to learn about the authentic food of the Far East, and to sample the delicious spectrum of exotic flavours

Golfer's Choice - Magazine Gift Subscription, at Marks & Spencer
Choose from either Golf World - The premier magazine for committed club golfers Golf World is packed with stars, opinion and the best advice in golf, with cutting edge views and insights from the biggest names or Today's Golfer - Today's Golfer leaves no stone unturned in the quest to bring you the best instruction on earth, including killer tips that will transform your game

Perfect Bubble Base Cylinder Vase, at Marks&Spencer
This hand made cylinder bubble base vase is perfect! It's an elegant way to draw focus to any empty space in your home. Our Perfect products are the ultimate must haves

Paddington Bear, at Marks and Spencer
Join Paddington and the Browns as they start their adventures at Paddington Station and relive the classic story in this charming picture book

3 Cool & Fresh Cotton Rich Assorted Trunks, at M&S
Made from soft breathable stretch cotton, these comfy trunks are ideal for everyday wear

Autograph Sweet Avalanche+ Roses - Two Dozen, at Marks & Spencer
These extra-long stemmed, large-headed roses come in a selection of glorious shades. All of the rose bouquets are hand-tied and beautifully wrapped in frosted Autograph™ cellophane and black ribbon Available for delivery from 1st April to 30th September 2009

Autograph Essentials Floral Lace Thong, at Marks & Spencer
Stunningly stylish, this modern thong features floral lace detail. The low rise styling gives a flattering shapely fit

Autograph Oval Collection - Floor Lamp, at M&S
Cylinder shade Round base Pull string switch 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

Single Sprung-Edge Divan with 4 Large Drawers & F300 Mattress, at Marks & Spencers
Single mattress (3ft): W90 x L190cm Double mattress (4ft 6in): W135 x L190 cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 25cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Soft knitted cover adds extra comfort to the mattress and works with the memory foam for optimum support Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support Sprung-Edge divan can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK 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

Portfolio Faux Pearl Necklace, at Marks & Spensers
Faux pearl Chain necklace Hook fastening

LED Light Collection Butterfly Mobile, at Marks and Spenser
Hanging wire Circular design 6 hanging butterflies, Manufacturer: Marks & Spencer

White Rattan Laundry Sorter, at Marks and Spenser
Woven design Rectangular shape Removable lining W60 x D31 x H60cm, Manufacturer: Marks & Spencer

Short Sleeve Thermal Vest, at Marks & Spenser
Soft, warm and cosy, this short sleeve thermal vest is designed to give comfy insulation, perfect for chilly weather

Collezione Wool Rich Flat Front Plain Trousers, at Marks and Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

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