When you're shopping at M&S 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 Buildings & Contents Insurance and Motor Insurance, there's a lot more going on at Marks & Spencers 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."

M&S Financial Services 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 Motor 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; Motor Insurance and Buildings & Contents 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 Buildings & Contents 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 Financial Services Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Besides Marks and Spencers Motor Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Buildings & Contents 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 Buildings & Contents Insurance and Standard Buildings & Contents 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.

Easycare Stripe Short Sleeve Shirt, at Mark & Spencers
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Pure Cotton Camouflaged Shorts with Belt, at Marks and Spencer
A contemporary take on a casual relaxed look, these pure cotton cargo shorts feature a stylish camouflaged print. A fashionable, easycare style

Floral Print Swim Shorts, at Mark's & Spencer
Sure to make a splash, these colourful shorts feature a floral print. The tie fastening waist helps give a secure fit. Fashionable, practical and easycare

Rocaille Snake Twist Necklace, at Mark & Spencers
Twisted layer design Rocaille beads Adjustable clasp fastening Length: 40cm

Lone Range Heretaunga Chardonnay 2007 - Case of 6, at Marks & Spencer
Style: Dry Grape variety: Chardonnay Country of origin: New Zealand Closure: Screw cap Suitable for vegetarians 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

Silver Plated Barrel Bracelets, at Marks & Spencers
Clasp fastening Adjustable length

Autograph Leather Cross Body Bag, at Marks and Spenser
Luxurious and beautiful, this leather handbag is part of our exclusive Autograph collection. It's front pocket make it practical as well as being a highly desirable fashion accessory

Cotton Blend Dora the Explorer Bedset, at Marks & Spencers
3 part set Includes single duvet cover, pillowase and printed bag Dora the explorer print 2007 Viacom International Inc Co-ordinate with 50/50 lilac plain dye sheets and pillowcases strokes T352101F,T352101S,T352101P,T352101V, Manufacturer: Marks & Spencer

Mother's Day Graphic Floral Medium Gift Bag, at Mark's & Spencer
Contains: 1 gift bag H260 x W200 x D90mm

Autograph Scatter Heart Pendant Necklace Made with CRYSTALLIZED™ - Swarovski Elements, at M & S
Multi diamant heart pendant Adjustable length Clasp fastening Made with CRYSTALLIZED™ - Swarovski Elements Necklace length 41cm, extendable by 8cm

Leather Laundry Basket, at Marks and Spencer
Ideal for laundry Circular design Plain Comes with lid H60.2 x Diam42cm, Manufacturer: Marks & Spencer

Large Slow Roasted Tomato & Goat's Cheese Quiche, at Marks & Spencers
Serves 12 Ready to eat 1.5kg Suitable for vegetarians As featured on page 20 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Fraser Large 2-Seater Everyday Sofa Bed, at Marks and Spencer
H99cm x W209cm x D102cm (opens to L236cm) Seat: H48cm (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 Solid birch feet with a medium finish Mattress: L178 x W132 x D5cm Sprung mattress rests on a slatted wooden base Mattress recommended for everday use Sofa bed will support a maximum combined weight of 160kg 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Abbey Love Seat, at Marks and Spencer
H95 x W137 x D102cm Seat H54cm (all dimensions are approximate) 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 samples: 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

Portland 2-Seater Sofa, at MarksandSpencer
H76 x W200 x D102cm Seat: H52cm (all dimensions are approximate) Cushions made from shape-retaining foam with thick fibre wrap 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 have reversible seat 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 Feet are castors 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 08457 624 624 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

Soft Fleece Dressing Gown, at M & S
Relax in style and comfort in this cosy dressing gown made from soft fleece

Small Traditional Rag Doll, at Marks and Spencer
Not recommended for babies under 12 months Hair ribbon detail Check print dress with heart motif This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Patent Faux Crocodile Skin Belt, at Marks and Spencers
Define your waistline with this fashionable patent faux crocodile skin belt

My Friend's Handbag Heaven, at Mark & Spencers
Suitable for ages 3+ Contains a handbag, cell phone, cards and instructions Comes with felt decorations Develops creativity This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Per Una Pinstripe Hitched Skirt, at Marks and Spencers
A fashionable pinstripe print skirt in soft cotton blend, the hitch up detail gives it the Per Una touch

M&S HP 27 Compatible Cartridge, at M+S
Black cartridge Compatible with HP printers using HP 27 For use in deskjet: 3320, 3325, 3420, 3425 series, 3520, 3535, 3550, 3645, 3650, 3745, 3845, 5650, 5652, 5655, 5850, For use in officejet: 4215, 4219, 4252, 4255, 4315, 4355, 5605, 5610, 5615, 6110 For use in PSC: 1210, 1215, 1217, 1219, 1311, 1312, 1315/s, 1317 This cartridge is not an original product but has been re-manufactured and refilled to the most exacting standards 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

Stitched Cotton Sunburst 70th Card, at Marks n Spencer
Cover text: 70 Congratulations Inside message: Blank for your own message Approx size: 175 mm x 125 mm

Philips RQ1051 Electric Shaver, at Marks&Spencer
Flex and pivot action: Three independently flexing heads in a shaving unit that swivels with full range of motion. This unique combination ensures optimum skin contact in curved areas to catch even the most problematic neck hair Tripletrack shaving heads: The three shaving tracks of the Triple-Track shaving heads offer 50% more shaving surface than standard, single track rotary shaving heads Precision cutting system: Ultra thin heads with slots to shave the long hairs and holes to shave even the shortest stubble Super lift and cut technology: The dual blade system lifts hairs to cut comfortably below skin level Precision tube trimmer: Patented tube trimmer technology for great precision and manoeuvrability. Perfect for contouring and trimming moustache and sideburns Can be easily rinsed under the tap Corrosion free heads Travel lock feature Battery status indicator Shaving unit replacement indicator Accessories: charging stand, protection cap, cleaning brush

Funnel Zip Neck Fleece, at Marks and Spencer
Warm and comfy, this long sleeve fleece is outstanding value! A practical, stylish and easycare top at a great price

Blue Harbour Pure Cotton Crew Neck T-Shirt, at Mark & Spensers
Fashionable and relaxed, this crew neck t-shirt is made from pure cotton. It's soft, breathable and comfortable to wear

Aviator Sunglasses, at Marks and Spencers
With full UV protection and a flattering modern design, these smart sunglasses will see you through the summer in style

50/50 Tie Dye Print Bedset, at Marks & Spensers
Tie dye print design Single set includes duvet cover and 1 pillowcase Double set includes duvet cover (4ft 6in) and 2 pillowcases King size includes duvet cover (5ft) and 2 pillowcases, Manufacturer: Marks & Spencer

Autograph Modal Blend Pyjama Bottoms, at Mark's & Spencer
Create your own look by mixing and matching these plain pyjama bottoms with our tops and t-shirts. Great for relaxing in style whether you're heading for bed or just chilling out at home

Taranto Coffee Grinder, at Marks n Spencer
2 to 12 cup capacity 200 watt 3 settings (fine, medium, coarse) Manual on / off switch Cord storage 2 year guarentee 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

Autograph Open Face Date Watch, at Marks & Spensers
Stylish and contemporary, this analogue watch features a large time display with day indicator, fashionable and practical must-have

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

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