When you're shopping at Mark's & 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 Money Direct. Offering everything from savings accounts and credit cards, to Home Insurance and Car Insurance, there's a lot more going on at Marks and Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Money Direct. 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 Direct, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Money Direct 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."

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

• M&S Insurance: M&S Car Insurance, M&S Home 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 Marks and Spencer, it's easy to see that these are good financial products, at value-for-money prices.

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

There are lots of ways to save money using M&S Money Direct. Not least of these is Marks and Spencer Standard Car Insurance. With M&S Money Direct you can keep the cost of your Car 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 Car Insurance cover from M&S Money Direct, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from M&S, 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 Car Insurance from M&S Money Direct, you get more, and you pay less.

Classic Collection Cropped Trousers, at Marks & Spencer
An ideal choice for casual everyday wear, these cropped trousers look stylish worn with knitwear or casual tops in complementary colours

Perfect Scorpius Hard Large Rollercase, at Marks & Spenser
Strong yet lightweight, this stylish luggage has 4 wheels for maximum manoeuvrability, a fixed combination lock, telescopic handle and fully lined interiors. There's a free 5 year guarantee, too

Contemporary Kiwi Collection, at Mark & Spensers
Stoney Range Sherwood Estate Sauvignon Blanc 2008(75cl) Sherwood Estate Pinot Noir 2007(75cl) Presented in a stylish wooden gift box Price includes delivery Licensing Act 2003: it is an offence for any person under 18 years to buy or attempt to buy alcoholic liquor Looking to place a corporate bulk order? Please call 0845 6020602 This product is not available for international delivery. Find out more

Lightweight Dressing Gown, at Marks and Spencer
Soft and comfortable, this cotton blend dressing gown makes the perfect lightweight cover up

Stainless Steel Garlic Crusher, at Marks and Spencers
Chunky handles Loop in the handle for hanging, Manufacturer: Marks & Spencer

Dine In Whites - Case of 12, at Mark's & Spencer
4 Domaine Mandeville Sauvignon Blanc 2007: A fruity Sauvignon Blanc from the South of France, with juicy citrus and gooseberry flavours, finishing on a fresh, crisp note... 4 Ctes du Rhne Blanc 2008: With its appealing aromas of honeysuckle and baked pears, this soft and gently spicy white is classic Ctes du Rhne at a fantastically affordable price... 4 Macon Villages 2007: A fresh and fruity white made from 100% Chardonnay, with a really appealing, lively scent of apples and lemons and a hint of ripe, rounded peach on the finish... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

12 Cup Cafetiere, at Marks & Spencers
12 cup capacity Clear jug Metallic frame Contrasting lid and handle, Manufacturer: Marks & Spencer

Spot Design Shower Curtain, at Marks and Spencer
Spot print design, Manufacturer: Marks & Spencer

Côtes du Rhône Les Closiers 2007 - Case of 6, at M+S
Grape variety: 65% Grenache, 35% syrah Country of origin: France Closure: Natural Cork Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Medium Blonde Doll, at Mark & Spencers
Suitable for ages 1-3yrs H39cm This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Tupungato Cabernet Sauvignon Malbec 2007 - Case of 12, at Marks and Spencers
Style: Dry, full bodied Grape variety: Cabernet Sauvignon, Malbec Country of origin: Argentina Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

3 Photo Frames 10 x 15cm (4 x 6"), at Marks and Spencer
Pack of 3 Removeable mount card Wood stand Rectangular frame Frame dimensions: H24.5 x W19cm Aperture: 10 x 15cm (4 x 6"), Manufacturer: Marks & Spencer

Pure Silk Enchanted Floral Cushion, at Marks and Spencer
Square shape Enchanted floral pattern Hand sequins detail Chiffon applique with feather inner L50 x W50cm, Manufacturer: Marks & Spencer

3 Pairs of Opaque Varied Stripe Knee High Socks, at Marks & Spencers
These varied stripe knee high socks make a comfy and warm way to add a touch of style to this season's outfits. Added stretch and a reinforced toe gives durability and comfort

Philips HP6379 Bikini Trimmer, at Marks & Spencers
Wet and dry use: In and out of the shower Hygienic protection: Silver ion comb for hygienic protection Rechargable Charge lasts up to 60 minutes Precise and gentle trimmer Hygienic trimming comb Extra smooth and safe shaver Epilator removes hair for weeks Eyebrow and detail trimmer Eyebrow and detail comb

Older Boys' Rivet Belt, at Mark & Spencers
Fashionable and practical, this leather rivet detail belt adds a stylish finishing touch

M&S Sandwich Toaster, at Marks and Spencer
Interlocking handle Non-stick sandwich plate Diagonal sandwich divider Non slip feet for added stability Power on light showing that the unit is on and heating up Temperature ready light This product is not available for international delivery. Find out more 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

Organic Cotton Illustrated Eco Bag, at M+S
Shop greener by using this organic cotton shopper instead of plastic carriers. The illustration was commissioned from eminent fashion illustrator David Downton, making this bag a must-have style conscious accessory

Per Una Modal Rich Short Sleeve Diamond Top, at Marks & Spencer
A fashionable short sleeve top in soft stretch modal featuring chiffon diamond embellishment

Per Una Square Neck Floral Top, at Mark's & Spencer
A casual square neck top in a soft cotton blend, the floral neckline gives it the Per Una touch

Sonoma Kitchen Table & 4 Chairs Set, at Marks & Spensers
Table: H75 x L90 x W90cm Chairs: H86 x W48 x D51cm Table seats 4 people Set of 4 plain leather faced chairs Made from solid oak and oak veneer Finished with a protective low-sheen lacquer for added durability Some self-assembly required. Delivered boxed to your door. You will need to unpack, assemble and position the item yourself Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered. 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 , Manufacturer: Marks & Spencer

Airflex™ Comfort Side Stripe Mudguard Trainers, at Marks & Spencer
Round toe Stitch detail Lace-up Fresh Feet antibacterial lining for odour free feet Lining absorbs moisture so feet stay dry Unique Airflex™ airflow system for unbeatable comfort Lightweight, flexible and durable Heel cushion and arch

Easy Stir-Fry, at M+S
A tasty selection of simple, easy-to-make stir-fry recipes guaranteed to get the taste buds working

Single Hard-Top Divan with 1 Small + 1 Large Drawer & M200 Mattress, at Mark & Spensers
Single (3ft): W90 x L190 Mattress depth: 24cm Divan height: 41cm Divan drawer sizes: Large - H14 x W78 x D52cm, Small - H14 x W40 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table All mattresses and divans are anti-allergy protected Mattress does not require turning Mattress has a soft pillowtop layer 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

Wool Rich Sleeveless Asymmetric Dress, at Marks & Spencer
Luxurious and elegant, this smartly tailored asymmetric dress is part of our exclusive Autograph range

Autograph Mini Heart Shaped Jewellery Box, at Marks & Spencer
Modern and sophisticated, this fabulous heart shaped jewellery box. It makes a great gift, or why not treat yourself?

Autograph Weekend Cocoon Button Cardigan with Angora, at Marks and Spencers
Casual and modern, this cocoon button boyfriend cardigan has been designed for a chic, relaxed look

Autograph Faceted Cylinder Vase, at Marks and Spenser
Manufacturer: Marks & Spencer

Collezione Leather Faux Crocodile Skin Loafers, at Marks and Spencer
Square toe Stitch detail Slip on Block heel Faux crocodile skin design

Harry Potter Quidditch Dressing Up Outfit, at Marks n Spencer
This Quidditch costume is a must-have for fans of Harry Potter

M&S Money Direct Insurance: There are, quite literally, hundreds of companies in the UK from whom you can purchase insurance. Whether you're looking for the best deal on Car Insurance, buildings and contents insurance, or even wedding insurance, it doesn't take long to find a company that will sell you a policy.

However, not all insurance companies, and certainly not all insurance policies, are the same. What may be standard on one insurance policy may be an optional extra on another, for instance; Car Insurance and Home Insurance are especially like this.

For example, most home and contents insurance policies either ask you to provide the total cost of rebuilding your home plus the total value of your home contents, or they will set an upper limit. This may seem fine at the time, but, in the event of a claim on your Home Insurance policy, the values act as maximum limits, and so you may, in effect, be under-insured and not receive the full value of your insurance claim.

Fortunately, M&S Money Direct Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.