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 Money Direct. Offering everything from savings accounts and credit cards, to Buildings Insurance and Car 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 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."

There are lots of ways to save money using M&S Money Direct. Not least of these is Marks & Spensers 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 Marks & 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 Car Insurance from M&S Money Direct, you get more, and you pay less.

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

Also, on both M&S Money Direct Premier Buildings Insurance and Standard Buildings 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.

Road Monsters Fire Vehicles Set, at Marks & Spencer
Suitable for ages 3+ 5 fire-fighting vehicles Includes a fire truck, fire inspector's car, van, pick-up and a helicopter Imaginative play This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Autograph Wool Rich 5 Button Waistcoat, at Marks and Spencer
This finely tailored waistcoat adds a touch of refinement to your formal wear

2 Autograph Cotton Rich Cropped Leggings, at Marks and Spencer
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

Autograph Pure Silk Chichen Itza 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

Big & Tall Crease Resistant Flat Front Trousers, at Marks & Spencer
Stay smarter for longer with these innovative crease resistant trousers. They're machine washable and feature coin catcher™ pockets which stop change falling out. Perfectly proportioned for big and tall men

Cherry Blossom Cake, at MarksandSpencer
162 portions Three tier set of three cakes: Small - diam 15cm, Medium - diam 20cm, Large - diam 25cm Fruit Cake: Made with vine fruits, nuts and cherries laced with brandy. Can be eaten up to 14 days after collection Sponge Cake: All-butter sponge filled with buttercream and raspberry jam. Can be eaten up to 5 days after collection Total height (including board): 29.5cm Fruit cake weight: 12.77kg total Sponge cake weight: 8.03kg total Not suitable for nut allergy sufferers Suitable for vegetarians As featured on page 56 of the Food to Order brochure Order by 5pm to collect in 21 days Available for collection in the majority of our UK mainland stores

Canale Estate Reserve Merlot 2007 - Case of 6, at Marks and Spencer
Style: Full bodied Grape variety: Merlot Country of origin: Argentina Closure: Natural cork 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

Pure Cotton Long Sleeve Travel Shirt, at Marks and Spenser
Whether you're travelling the world or staying closer to home, our travel shirts are specially designed to keep you looking and feeling your best. Crease resistant to maintain a smart appearance, a special finish draws moisture away from the body to keep you cool while the incredibly breathable shirt fabric is woven to maximise the flow of air between the yarns

Wide Band Sandals, at Marks and Spencer
Open toe Wide band Flat sole

Per Una Short Sleeve Sequin Embroidered Top, at Marks & Spensers
An elegant short sleeve embroidered top featuring a sequin and satin embellishment

Flock Heart Wedding Card, at Marks and Spencer
Cover text: WEDDING Inside message: Blank for your own message Approx size: Unfolded: 178 x 126 mm

Collezione Wool Rich Single Breasted 3 Button Stripe Jacket, at Marks & Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit 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 garment to give you a feeling of luxury like no other

Collezione Single Breast Linen Jacket, at Marks&Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

2 Younger Boys' Mr Men Swimming Shorts, at Marks & Spencers
Fun and fashionable, these drawstring shorts fit comfortably and securely. Mr Men motifs add a fab finishing touch

Percy Pig Hamper, at Mark's & Spencer
Percy fans will love this set of tempting sweet treats including a bag of Percy Pigs , plus a mixing bowl, to make mini Percy Pig cupcakes and a cheery Percy Pig money box to help them save their pennies

Bob The Builder : Real Trucks Sticker Activity Book, at M&S
Join your favourite characters for some sticker scene fun! This title lets you use your imagination and lots of stickers to complete the scenes.

Life Begins at 40 Birthday Card, at MarksandSpencer
Cover text: Life begins at 40 Inside message: Have a great birthday! Approx size: 215 x 150mm

Autograph Pure Cashmere Short Sleeve Jumper, at Marks & Spencer
Elegant and feminine, this crew neck jumper is made from pure cashmere for the ultimate in luxurious softness

Checkerboard Cosmetic Bag, at Marks & Spencer
Rectangular Zip fastening Check pattern Side pouch

Pearlescent & Flock Flowers Large Gift Bag, at Marks and Spencers
1 gift bag with tag Floral design Approx size: H:360 x W:270 x D:100mm

Pure Cotton Ribbon Trim Hat, at Marks & Spencer
Keep ahead of the trends with this contemporary ribbon trim sunhat, an essential look for style in the sun

Wool Blend Flat Front Stripe Trousers, at M & S
Smart and contemporary, these trousers are made from a special wool blend fabric for extra strength, comfort and durability

Artificial Orchid Spray in Ceramic Bowl, at Marks and Spencer
Artificial orchid Ceramic bowl H75cm, Manufacturer: Marks & Spencer

Ceriso Spot Print Frill Trim Shorts, at Marks and Spencer
Glamorous and flirty, these modern shorts feature a spot print and a frill trim. The low rise, low leg style gives a flattering, shapely fit. Designed for women who want the latest look

Sony Stamina Plus C Alkaline Batteries- Pack of 2, at Marks n Spencer
Voltage(V): 1.5 Cells per pack: 2 Size: C / LR14 Ideal for high power applications which require intense and durable energy such as portable hifi, toys & audio devices *Must be returned with the tamper seal intact for full refund

Back To School Water Bottle, at M+S
Plastic dust cap Screw top for easy refill Aluminium bottle

Triple Layer Victoria Sandwich, at Marks n Spencer
14 pre-cut slices Serves 14 Ready to eat 2.1kg Not suitable for nut allergy sufferers Suitable for vegetarians Comes in a box suitable for storing the cake before serving As featured on page 52 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Wide Strap Plain Swimsuit, at Mark & Spencers
Modern and fashionable, this wide strap swimsuit is outstanding value

Dualit Vario 2-Slice Toaster - Chrome, at Marks and Spenser
1200 watt 2-slice toaster Mechanical timer to control toasting Manually operated eject lever to keep items warm until needed and extra wide 28mm slots to accommodate larger items and the optional sandwich cage Patented, award-winning ProHeat technology Adjustable inner wire guard to grip toast and high lift mechanism to remove small items easily Easy cleaning with a stainless steel cover Hand-built in England Selector switch - use only the slots required Designed to last - each individual parts is replaceable or repairable Designed for use in commercial kitchens Weight: 3.5kg Dimensions: H22 x W31 x D21cm 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 , Manufacturer: Marks & Spencer

Mini Travel Bottle Set, at Marks&Spencer
Leave your large or breakable toiletries at home. Simply fill these travel bottles and jars with your favourite toiletries and refill them whenever you need. Contained within a funky bag, this set is ideal for any overnight trip

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