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 Property Insurance and Motor Insurance, there's a lot more going on at Mark's & Spencer 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."

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

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Mark & Spencers, 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.

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 Mark's & 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 Money 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 Money Property Insurance than you will anywhere else, and you may even pay less with M&S.

Limited Collection Cotton Rich Pocket Shorts, at Marks and Spencer
Fabulous and modern, these shorts are part of our Limited Collection lingerie. They're made from soft stretch cotton and designed to fit and flatter. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Blue Harbour Cargo Board Shorts, at Mark & Spencers
Practical and fashionable, these board shorts give a comfortable, flattering and secure fit

Philips HS8460 Nivea for Men Electric Shaver, at Marks & Spencers
Advanced skin protection system: Nivea for Men conditioner is dispensed through the shaving heads directly onto your skin, moisturising it while shaving. The conditioner contains Natural Microtec, which protects your skin against irritation Shave in and out of the shower: Hot water opens your pores, resulting in a close shave Soft touch contour following: Gently follows the contours of your face for a close shave, even in hard-to-reach areas Precision tube trimmer: Perfect for contouring and trimming moustache and sideburns Stretch and lift rings: The shaving heads have unique rings with a stretch and lift pattern that contributes to a great shave Refill and charge stand: After you shave, place your shaver in the refill & charge stand. Your shaver will automatically be charged and refilled with 'Nivea for Men' conditioner, preparing you for a smooth shave every day Battery status indicator Travel lock feature Anti-slip grip panel Flex tracker system

Satin Trim Bootleg Linen Blend Trousers, at Marks and Spencer
Fashionable and fabulous, bootleg trousers flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. A look that's always in style

San Terra Crianza 2006 - Case of 6, at Marks & Spencers
Grape variety: 70% Monastrell & 30% Merlot Country of origin: Spain Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 14% vol 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 Stripe Tie, at Marks & Spencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Straight Leg Stitch Detail Trousers, at Marks and Spencer
Simple and stylish, straight leg trousers are a modern classic. They are cut to skim the hips and thighs, giving a sleek flattering shape that's always in style

Portfolio Lightweight Brush Stroke Scarf, at Marks and Spencers
Add a luxurious finishing touch to your look with this elegant brush stroke print scarf. The perfect accessory to this season's styles

Collezione Wide Fit Leather Saddle Moccasins, at Marks & Spencer
Round toe Slip-on Stitch detail Block heel Wide fit

Stripy Owl Age 4 Birthday Card, at Marks and Spencer
Cover text: too-wit too-woo happy birthday to you Inside message: With love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future 150 x 150 mm

Bloomin Marvellous with 50% More Roses, at Marks & Spencer
50% more roses when ordering this bouquet for delivery between 21st August to 5th September 2009 This pastel-striped gift bag is packed with a superb selection of roses, chrysanthemums, Asiatic lilies, carnations and hypericum berries Available for delivery from 1st April to 30th September 2009

2" Longer Autograph Pure Cotton Plain Poplin Shirt, at M & S
Keeping the taller man specifically in mind, this smart shirt features an extra 2" of fabric in the sleeve and body to provide a perfect formal fit

3/4 Sleeve Snake Print Tunic, at Marks & Spensers
Smart and stylish, this longline tunic features a stunning snake print. A vibrant new look, perfect for this season

Autograph Square Porcelain Soap Dispenser, at Marks and Spencer
H18 x W7 x D7cm Pump action Stripe design at the base, Manufacturer: Marks & Spencer

Cotton Rich °Climate Control Cycle Shorts, at Marks and Spencer
Climate control fabric absorbs and stores body heat when you're too hot and releases the heat when you're too cold. The result is the perfect body temperature so you'll feel comfortable all day. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Silver Plated Assorted Stud Earring Set, at Marks n Spencer
Set of 3 Stud fastening Hoop and heart designs Diamant detail For hygiene reasons, refunds will only be given in accordance with your legal rights

Power Rangers Music Card, at Marks and Spencer
Cover text: Happy Birthday Inside message: Have a great day! Approx size: 215 x 150mm Power Rangers - ™ and BVS Entertainment, Inc. and BVS International N. V. All rights reserved

Blue Harbour Numbered Rugby Polo Shirt, at Marks and Spencer
Casual and relaxed, this short sleeve rugby polo shirt is made from pure cotton so it's soft, breathable and comfortable to wear

5 Cotton Rich Assorted Design High Rise Full Briefs, at Mark & Spensers
A great value pack, ideal for everyday wear. This pack may contain a mixture of designs and colours. See Click for zoom and other views.

Abbey Corner Chaise - Right-Hand, at MarksandSpencer
H95 x W291 x D106cm Chaise length L164cm, seat H54cm (all dimensions are approximate) Right-hand chaise - Chaise is on right side when viewed from the front of the sofa Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

50/50 Panelled Bedset, at Marks&Spencer
Panelled Single set includes duvet cover and 1 pillowcase Double set includes duvet cover and 2 pillowcases Kingsize set includes duvet cover and 2 pillowcases, Manufacturer: Marks & Spencer

Pure Cotton Gem Buckle Captain Hat, at Marks & Spencer
Keep ahead of the trends with this contemporary gem buckle sunhat, an essential look for style in the sun

Pirque Estate Chardonnay 2007 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: Chardonnay Country of origin: South America Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl Alcohol volume: 15% vol. Alcohol units per bottle: 11.3 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Barton Large 2-Seater Sofa, at Mark & Spensers
H90 x W183 x D90cm Seat H51cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Includes 2 matching fibre scatter cushions Feet are castors with antique-brass effect finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included Free eco-friendly home delivery. Our crews will unpack, assemble and position the This product is not available for international delivery. Find out more Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

5 Pairs of Long Ribbed School Socks, at M & S
Why spend too much on school socks when you can get this great value pack right here? Durable and comfortable, they're just the ticket for school days

2 Piece Pure Cotton Dungaree Outfit, at M&S
Cute and casual, these ribbed dungaree and frill trim top looks fabulously fashionable worn together or separately

Mirror Blocks Photo Frame 10 x 15cm (4 x 6"), at M+S
Rectangular frame Mirror blocks design Aperture: 10 x 15cm (4 x 6"), Manufacturer: Marks & Spencer

Lightweight Stripe Tassel Scarf, at Marks & Spencers
This sophisticated border square scarf is the perfect accessory to this season's fashions. The tassel details add a stylish finishing touch

Pure Cotton Long Sleeve Upsy Daisy Top, at Marks and Spencer
The Upsy daisy slogan makes this cute top even more fun

Per Una 3/4 Sleeve Embellished Jersey Top, at Marks & Spensers
A beautiful jersey top, featuring a sequin and suedette ribbon neckline embellishment

Besides Marks & Spencer Motor Insurance, M&S Money Credit Cards and other financial products, M&S Money 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 Money 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 M&S purchases are also protected while you take them home.

Also, on both M&S Money 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.