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 Finance. Offering everything from savings accounts and credit cards, to Household 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 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."

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

Mark & Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Household Insurance or Car Insurance, but Marks & Spencer do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M&S Finance website. With a simple, no-hassle service, you can compare features between a number of M&S Financial Services products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Finance loans, credit cards or Household Insurance - besides a number of other insurance products, M&S Finance can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Finance insurance products (Household Insurance, Car Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the M&S insurance products in document format too.

5 Pairs of 10 Denier Matt Look Tights, at Mark & Spensers
Complete with added stretch for shape retention and essential comfort. These simply outstanding tights are a terrific option for ensuring your legs look and feel their everyday best

2 Pure Cotton Truck & Stripe T-Shirts, at Mark & Spencers
Stock up on essential t-shirts with this great value multipack in soft, comfortable cotton. Fashionable, practical and easycare

Per Una Flower Crochet Jersey Top, at Marks & Spenser
A beautiful cap sleeve top featuring crochet design finished with a scalloped trim

Organic Cotton Twiggy Eco Shopper, at Marks and Spenser
Shop greener by using this organic cotton shopper instead of plastic carriers. The portrait of model Twiggy was commissioned from eminent fashion illustrator David Downton, making this bag a must-have stylish accessory

Laser Cut Fuchsias Daughter-in-Law Birthday Card, at Marks & Spensers
Cover text: Happy Birthday to a Very Special Daughter-in-law Inside message: Blank for your own message Approx size: 175 x 126mm

Younger Girls' Cutout Shoes, at Marks & Spencer
Round toe Cutout star design Single strap Contrast lining Flat sole Comes in sizes 4-13

Per Una Styled Floral Embroidered Shorts, at Marks and Spencer
Feminine and delicate, these feminine shorts feature a floral embroidered design. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion

Autograph Hooded Duffle Coat with Wool, at Marks & Spencers
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Collezione Wool Rich Funnel Neck Gilet, at Marks & Spencer
Fashionable and contemporary, this funnel neck gilet is part of Collezione, a sophisticated menswear collection inspired by Italian style

5 Pairs of Newborn Cotton Rich Animal Socks, at M+S
Fun and fashionable, these comfy cotton rich socks feature embroidered animal designs

Blue Harbour Long Sleeve Lambswool Cardigan, at Marks and Spencers
Soft and comfortable, this long sleeve cardigan is made from pure lambswool

Pink Butterfly and Dandelion Seed Birthday Card, at Marks & Spencer
Cover Text: Blank Inside Message: Blank for your own message Approx size: 174 x 126mm

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

Harvard Body Splash, at M&S
Fragranced body splash 200ml Splash into the palm of your hand, then apply liberally over your body Avoid contact wit the eyes. Do not apply to broken, irritated or sensitive skin This product is not available for international delivery. Find out more

Nature Plate, at Marks & Spencer
Round shape Swirl design Diameter: 32cm, Manufacturer: Marks & Spencer

Younger Boys' Knitted Beanie Hat, at Marks & Spencers
Warm and comfy, this knitted beanie hat is ideal for chilly days

Global Traveller Small Rollercase, at M&S
Free 5 year guarantee Make transporting your belongings a hassle-free experience with the super lightweight and durable design of this hardwearing rollercase

Collezione Long Sleeve Stripe Shirt, at Marks & Spensers
Italian style is renowned for its attention to detail. Each collezione piece 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 shirt to give you a feeling of luxury like no other

Collezione Classic Trim Moccasins, at Marks & Spencer
Square toe Stitch detail Slip-on Block heel

Per Una Ditsy Floral Stretch Bracelet, at Marks and Spencers
Ditsy floral design Stretch style

5 Younger Girls' Pure Cotton Assorted Cupcake Briefs, at Marks and Spencer
Cute and trendy, this 5 pack of cotton briefs feature assorted cupcake designs

Gold Plated Diamanté Cross Necklace, at Marks and Spencers
Diamant detail Thin chain Necklace length 41cm, extendable by 8cm

2 Machine Washable Assorted Design Tie, at Marks & Spencers
No more trips to the drycleaners! These smart assorted design ties are machine washable

The Floral Collection Bath Cream Pack, at Marks and Spencers
Pack of 4 Includes: lavender, iris, magnolia and rose Moisture rich Foaming bath cream Magnolia Moisture Rich Foaming Bath Cream 50ml: Aqua, Sodium Laureth Sulfate, Sodium Chloride, Cocamidopropyl Betaine, Decyl Glucoside, Parfum, Magnolia Liliflora (Magnolia), Glycol Distearate Sodium Sulfate, Laureth-4, Glycerin, Disodium, EDTA, Amyl Cinnamal, Linalool, Butylphenyl Methylpropional, Citric Acid, Benzyl Salicylate, Geraniol, Benzophenone -2, Citronellol, Magnesium Nitrate, Isoeugenol, Propylene Glycol, Methylchloroisothiazolinone, Magnesium Chloride, Sorbitol, Methylisothiazolinone, Phenoxyethanol, Propylparaben, Methylparaben, Isobutylparaben, Ethylparaben, Butylparaben, CI 14700, CI 19140 Rose Moisture Rich Foaming Bath Cream 50ml e 24M: Aqua, Sodium Laureth Sulfate, Sodium Chloride, Cocamidopropyl Betaine, Decyl Glucoside, Parfum, Rosa Centifolia (Rose), Glycol Distearate, Sodium Sulfate, Glycerin, Laureth-4, Disodium EDTA, Benzyl Salicylate, Styrene/Acrylates Copolymer, Citronellol, Linalool, Citric Acid, Magnesium Nitrate, Alpha-Isomethyl Ionone, Sodium Lauryl Sulfate, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, Phenoxyethanol, Methylparaben, Butylparaben, Ethylparaben, Isobutylparaben, Propylparaben Lavender Moisture Rich Foaming Bath Cream 50ml e 24M: Aqua, Sodium Laureth Sulfate, Sodium Chloride, Cocamidopropyl Betaine, Decyl Glucoside, Parfum, Lavandula Angustifolia (Lavender), Glycol Distearate, Sodium Sulfate, Glycerin, Laureth-4, Disodium EDTA, Styrene/Acrylates Copolymer, Linalool, Butylphenyl, Methylpropional, Magnesium Nitrate, Citric Acid, Sodium Lauryl Sulfate, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, Phenoxyethanol, Methylparaben, Butylparaben, Ethylparaben, Isobutylparaben, Propylparaben Iris Moisture Rich Foaming Bath Cream 50ml e 24M: Aqua, Sodium Laureth Sulfate, Sodium Chloride, Cocamidopropyl Betaine, Decyl Glucoside, Parfum, Glycol Distearate, Glycerin, Laureth-4, Disodium EDTA, Styrene/Acrylates Copolymer, Citric Acid, Magnesium Nitrate, Propylene Glycol, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, Iris Flrorentina (Iris) Flower Extract, Sodium Sulfate, Hexyl Cinnamal, Linalool, Alpha-Isomethyl Ionone

Younger Boys' Plain Fluffy Dressing Gown, at Marks & Spenser
Soft and cosy, this dressing gown is made from comfy fluffy fabric

Leather Coated Four Way Reversible Belt, at Marks and Spenser
Add a smart finishing touch with this leather coated four way reversible belt

Walkmates Younger Boys' Leather Open Toe Sandals, at Marks & Spencer
Open-toe Riptape fastening Contrast stitching Flat sole

Per Una Pure Cotton Floral Revere Pyjamas, at Marks and Spenser
Modern and feminine, these stylish floral revere pyjamas are made from pure cotton. So you can relax in comfort and style. Part of Per Una's sleepwear collection

Girls' Fashion Schoolwear - 2 Non-Iron Short Sleeve Blouses, at Mark's & Spencer
This pack of 2 blouses is great value. The flared short sleeves and fitted shape give a fashionable look. A practical and convenient choice, they're easycare and non-iron to save you time

Urbino Storage Footstool, at Marks & Spenser
H46 x W56 x D56cm (all dimensions are approximate) Top 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 dark finish All of our fabrics are treated with Stain-Defence& trade; - 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

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