When you're shopping at Marks and Spenser 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 Marks and 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."

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 Money financial products are, of course, designed to make Marks & Spenser 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.

M&S Money offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor 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 Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Money Motor Insurance is not like that at all, and when you compare M&S Motor Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Mark's & Spencer 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsburys, or Tesco's:

• 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 Motor 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 Money UK and European Breakdown Cover, since it covers you as a passenger too.

Footglove™ Leather Whipstitch Detail Shoes, at Marks and Spencer
Block mid-heel Whipstitch detail Slip-on Footglove™ soles are comfortable, highly flexible and lightweight

Small Kangaroo Soft Toy, at Mark & Spensers
Suitable for ages 0-3 years Approx 21cm This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

2 Pure Cotton Short Sleeve Charlie & Lola™ T-Shirts, at Marks and Spencers
A must for fans of Charlie and Lola™ this pack of 2 t-shirts both feature the popular character

Autograph Saddle Stitch Bootleg Trousers, at Marks & Spenser
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Blue Harbour Luxury Pure Cotton Royal Oxford Check Shirt, at Marks & Spenser
Soft, comfortable and very stylish, this luxury shirt is made with fantastic attention to detail

Blue Harbour Pure Cotton Medium Stripe Rugby Shirt, at Mark's & Spencer
Casual and relaxed, this medium stripe rugby shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Blue Harbour Long Sleeve Self Stripe Shirt, at Marks and Spenser
Relaxed and casual, this Blue Harbour self stripe shirt is made from a modal blend so it feels exceptionally comfortable to wear. Modal is a luxuriously soft fabric made from natural plant fibres

Younger Girls' Dip Dye Sunglasses, at M&S
Cute and colourful, these dip dye sunglasses will give her a touch of star style!

In Bloom Lime Blossom & Bergamot Foaming Bath Elixir, at MarksandSpencer
Lime and bergamot fragrance Moisture Rich 200 ml This product is not available for international delivery. Find out more

Bag of Flowers Thank You Card, at Marks and Spencer
Cover text: Thank You Inside message: Blank for your own message Approx size: 150 x 150mm

Wide Band Sandals, at Marks & Spencers
Open toe Wide band Flat sole

Short Sleeve Empire Button Top, at Marks & Spencers
This short sleeve is beautifully embellished with a button placket for a stylish modern look

Leather Mock Crocodile Purse, at Marks & Spencer
This stylish purse is made from real leather with reinforced stitching and a secure fastening. A high quality and chic essential

2 Hepworth Cross-Back Dining Chairs, at Marks&Spencer
H97 x W47 x D62cm Seat H48cm Solid birch Dark brown leather seat pad Sold as a pair Made from European Birch solids and veneers Treated with a rich stain and aged with dark patina known as a housemaids rub Finished with 2 coats of durable, clear lacquer of mid sheen Chairs made from solid wood for strength Solid European Birch legs All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item 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. SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Hepworth Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Half Frame Reading Glasses, at Marks and Spenser
Comes in +1.25 to +3.0 strengths Magnifying lenses aid close work and reading Half frame design

Per Una 3/4 Sleeve Tribal Cardigan, at Marks & Spencers
A feminine 3/4 sleeve top in textured fabric featuring an embellished tribal bead design

Ten in the Bed Book, at Marks & Spenser
A colourful and beautifully illustrated adaptation of the traditional nursery rhyme. Explore a magical adventure with the toys as they come to life in this bedtime tale. Children will love to press the buttons and sing a long to the familiar tune as they follow the story

Woodphotoframes - MULTI APP DESK, at Marks&Spencer
Manufacturer: Marks & Spencer

Sounds Of The Wild Dinosaurs, at M & S
Fun and stimulting, this reference book with pop ups and sound will keep them entertained

Blissful Brownies Book, at Marks and Spencers
Can't resist a chocolate brownie? Then this book's for you its pages are packed with a whole world of irresistible brownies and tempting traybakes, from the ultimate, chocolate-loaded brownie to innovative new twists to delight and inspire. Not all brownies are just chocolate, so you'll find some inspiring ideas with other flavours, from cranberry to rocky road!

Big & Tall Blue Harbour Stormwear™ Jeans, at Marks & Spencer
Innovative and stylish, these jeans are made with Stormwear™ technology. The unique water and stain repellent finish keeps you feeling dry and comfortable. Perfectly proportioned for big and tall men

Per Una Pear Buckle Belt, at Marks & Spencers
A bold buckle makes this fashionable belt even more special. Add a stylish finishing touch from Per Una

2 Piece Pure Cotton Stripe Polo Neck Outfit, at M & S
Fun and practical, this cute 2-piece outfit features a "4" motif. It's made from soft cotton to keep him comfy

Finger Sandwich Selection, at Marks and Spenser
Contains 20 pieces Serves 4-6 5 different fillings Ready to eat As featured on page 8 of the Food to Order brochure Order by 5pm to collect in 2 days Available for collection in the majority of our UK mainland stores

Autograph Pure Silk Redeemer Tie, at Marks & Spencers
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Silver Plated Air Sign Charm Bracelet, at Marks & Spencer
Silver plated beads Air sign charm This product is not available for international delivery. Find out more

Small Hurricane Lamp, at Marks and Spencer
Hurricane design Thick base Clear glass Candle and sand included, Manufacturer: Marks & Spencer

Indian Floral Jacquard Duvet Cover, at MarksandSpencer
Comes in single (3ft), double (4ft 6in), kingsize (5ft) and super-kingsize (6ft) Floral jacquard design, Manufacturer: Marks & Spencer

Autograph Slate Place Mat, at M&S
Square design H x 30cm W x 21cm, Manufacturer: Marks & Spencer

Rockridge Cabernet Sauvignon 2007 - Case of 12, at M&S
Style: Full bodied Grape variety: Cabernet Sauvignon Country of origin: South Africa Closure: Natural cork Bottle: 12 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 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

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