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 Money Direct. Offering everything from savings accounts and credit cards, to Home 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 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."

M&S Money Direct 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 Direct 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 Marks & 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, Sainsbury's, 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 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 Direct UK and European Breakdown Cover, since it covers you as a passenger too.

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

Single Medium Wine Glass, at Marks & Spencer
Medium wine glass 32cl H21.5cm, Manufacturer: Marks & Spencer

Per Una Pure Cotton Corduroy Handbag with Charm, at Marks and Spencer
A heart shaped charm makes this fashionable bag even more special. Give your look the Per Una twist!

Flowers by Post - 10 Longiflorum Lilies, at Marks and Spencer
Classically elegant, these beautiful lilies give long-lasting beauty and fragrance. Flowers by Post is a great value way to spoil someone you know - or yourself

Felt Cat Age 1 Birthday Card, at Marks & Spencers
Cover Text: 1 happy birthday Inside Message: With love Approx size: Flat: 174 x 126mm

Chalk & Cheese Characters Multipack of Mini Cards, at Marks n Spencer
Cover text: Design 1: Surprise, Design 2: Thanks, Design 3: For you, Design 4: Thank you Inside message: blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Pack contains: 8 cards, 4 designs Approx size: 95 x 80mm

2 Pure Cotton Short Sleeve Assorted Stripe Polo Shirts, at Mark's & Spencer
A stylish smart-casual look, these short sleeve polo shirts come in a textured cotton fabric. Practical, comfortable and easycare

Siemens Built-In Gas Hob ER15354EU, at M&S
H56 x W582 x D512mm 4 burners - 2 standard, 1 high-speed, 1 economy 2 cast-iron pan supports with rubber feet Stainless steel base Black glass inlay for controls Easy-to-use front controls Flame-failure safety device Simmer setting on all burners for controlled simmering One-handed ignition 5-year guarantee This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Small Traditional Rag Doll, at Mark's & 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

3 Non-Iron Long Sleeve Shirts, at Marks&Spencer
This pack of 3 shirts is great value. A practical and convenient choice, they're easycare and non-iron to save you time. Elasticated cuffs are a feature on shirts up to age 8 to make it easier for young children to dress

Detroit Side Table, at Marks & Spenser
H56 x W50 x D50cm Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs Shelves made with oak veneer 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 manufacturer's instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sony VAIO VGN-NS30Z/S Laptop, at Mark & Spencers
Processor: Intel Core™2 Duo Processor T6500 with Enhanced Intel SpeedStep Technology Processor speed: 2.1(GHz) RAM: DDR2 SDRAM (2x2GB) Screen: 15.4in. X-black LCD Operating System: Genuine Windows Vista Home Premium Hard Drive: Serial ATA 500(GB), 5400(rpm) Graphics card: Mobile Intel Graphics Media Accelerator 4500M Memory stick slot: Memory Stick™ Std / Duo, Memory Stick™ PRO Std / Duo, high speed data transfer Digital camera: Built-in 'Motion Eye' Digital Camera Optical Drive: Built-in DVD+-RW/+-R DL/RAM Interfaces: 4 Pin i.LINK™ (IEEE1394), 400 Mbps; 4 USB Ports Connectivity: Built-in Modem: V.92/V.90, Integrated Wireless LAN, Wireless LAN Type: 802.11b/g Draft n; Ethernet network: 10BASE-T/100BASE-TX/1000BASE-T Battery: Lithium-Ion battery (VGP-BPS13/B), Battery Life (min): 200; Battery Charging Time (min): 210 Video & TV software: Picture Motion Browser, Content Importer / Exporter, WinDVD 8 for VAIO, VAIO Movie Story Audio software: VAIO Music Box, Windows Media Player 11 Photo software: Picture Motion Browser, VAIO Movie Story CD-DVD burning software: Easy Media Creator 9, Click to Disc/Editor Office application software: Adobe Reader 9, Microsoft Office Home&Student (60 days Try & Buy) Security & other software: McAfee Internet Security Suite (with 60 days free virus update), VAIO Recovery Utility - HDD recovery (hidden partition), Google software package Accessories included: AC Adaptor, Battery, Power Cord Dimensions: H32-38 x W36 x D27cm Weight: 2.9kg (with Supplied Battery and Supplied Drive) 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

Bonded Jacquard Underwired DD-G Bra, at M&S
Soft and comfortable, this jacquard bra is ideal for everyday wear. It's underwired and shaped for an uplifted natural look

Adored Jacquard Lace Bikini Knickers, at Marks and Spencer
Pretty and elegant, these briefs are made from the softest fabric and trims, so they feel blissfully comfortable to wear. The high leg style makes legs look longer, giving a flattering shapely fit. Feminine everyday lingerie

Body Low Rise Sheer Lace Shorts, at Marks and Spencers
Pretty lace merges with a sleek low rise cut on this flattering set of shorts. Added stretch ensures durable and shapely comfort

PlayStation®2 Pro Evolution Soccer 2008™ Game, at Mark & Spensers
All new 'Teamvision' A.I. (artificial intelligence) system Improved A.I. for defenders and attackers Enhanced close control system enabling more control of the ball when dribbling Improved set pieces - players now have full control over the defensive wall Increased player detail with full facial animation Extensive edit mode including players, kits, badges & stadium names Brand new commentary by John Champion and Mark Lawrenson 2007 Sony Computer Entertainment Europe 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, ESRB Rating: Kids to Adults

Older Boys' Limited Knitted Beanie Hat, at Marks and Spencer
Warm and comfy, this knitted beanie hat is ideal for chilly days

Penthouse Leaf Pencil Pleat Curtains, at Marks and Spencers
Manufacturer: Marks & Spencer

Per Una Speziale Long Wear Nail Polish, at Marks & Spencer
Long wear nail polish Chip resistant Up to 5 days wear 9ml This product is not available for international delivery. Find out more

Faux Pearl Gatsby Stretch Bracelet, at Marks and Spencer
Large beads Elasticated Faux pearl design

Leather Mini Bag, at Marks and Spenser
Fashionable and practical, this mini bag features a secure zip fastening

Per Una Pleated Handbag with Charm, at Marks and Spencer
A heart shaped charm makes this fashionable bag even more special. Give your look the Per Una twist!

2 Machine Washable Zeus Ties, at Marks and Spencers
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

4 Pairs of Pure Cotton Plain Socks, at Marks and Spencer
Soft and comfortable, these cotton socks are naturally breathable and absorbent, keeping feet dry and comfy. A reinforced heel and toe gives extra durability

Favourite Handbags Birthday Card, at Marks&Spencer
Cover text: You can never have too many handbags, Shopping bag, stylish bag, beach bag, casual bag, designer bag, disco bag, work bag, favourite bag Inside message: Happy Birthday Approx size: 230 x 114mm

Laser Cut Aeroplane Exam Congratulations Card, at Marks and Spenser
Cover text: You passed well done....Congratulations! Inside message: blank for your own message Approx size: 150 x 150mm

Portfolio Button Detail Wide Leg Trousers, at Marks and Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Per Una 3/4 Sleeve Front Frill Stripe Top, at Marks and Spenser
A modern 3/4 sleeve top in soft fabric featuring a front frill detail and button placket

Sony Stamina Plus C Alkaline Batteries- Pack of 2, at Marks & Spensers
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

Sony Bravia 32'' KDL-32W5500 HD Ready LCD TV, at Mark & Spencers
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: LCD Sony Bravia Engine 3 with a 32 inch viewable screen and a display resolution of 1920 x 1080 pixels Dynamic Contrast: 80000:1 Integrated Digital & Cable Tuner: Provides access to all Freeview™ channels and radio stations (subject to coverage) and is cable TV ready (with supported providers only) Dimensions: With table stand: W79.8 x H58.5 x D25.9cm, without table stand: W79.8 x H53.7 x D8.9cm Weight: weight inc. stand 15kg, weight without stand 12.5kg Dolby Virtual Surround and BBE Digital: Experience the effect of digital surround sound from only two front speakers with our advanced S-Force Front Surround technology Connectors: Digital Audio Output (optical) x 1, HDMI™ Inputs x 4, HDMI™ PC Signal Capability, PC Input (15pin D-Sub) + Audio In, Component Inputs x 1, Composite Video In x 1, 4 Pin (Y/C) In (S Video), USB 2.0 Input, MiniJack (Head/Earphone) 3.5mm, PCMCIA Card Slot, RCA Audio Out, Analogue Audio Inputs x 2, RF In, Scart Inputs (RGB) x 2, BRAVIA Sync, DLNA Ethernet (Video/Music/Photo), AppliCast™ BRAVIA Engine 3: Enjoy images with impressive depth and clarity, optimal contrast, vibrant colours and truer-to life tones with BRAVIA ENGINE 3 24p True Cinema: Shows images at 24 frames per second just like a real cinema screen Xross Media Bar: New Sony interface to enhance the operability and ease of use Picture Frame Mode: Not watching TV? Turn it into a digital photo frame to display your own pictures or the 6 pre-installed images BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount T042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Kapersky Internet Security 2009 3 User 1 Year License, at Marks & Spencer
Extended Protection: Two-way personal firewall; secure Wi-Fi and VPN connections, Application rules configured automatically, Security rating assigned to unknown applications, Access to users resources and data is restricted for unknown applications, Improved antispam protection Content Filtering: Parental control Data & Identity Theft Protection: Virtual keyboard for safe entry of logins and passwords, Prevents theft of data exchanged via secure connections (HTTPS / SSL), Disables links to phishing websites Essential Protection: Protects from viruses, Trojans and worms, Protects from spyware and adware, Scans files, email messages and Internet traffic, Protects instant messengers (ICQ, MSN), Proactive protection from unknown threats Preventive Protection: Scans operating system and installed applications for vulnerabilities, Disables links to malware sites Usability: Automatic configuration, Wizards for common tasks, Automatic or interactive mode, Round-the-clock technical support, Automatic database updates, Global threat monitoring (Kaspersky Security Network) Advanced Protection & Recovery: Program can be installed on infected computers, Self-protection from malware, Restores correct system settings after removing malicious software Suitable for 3 users for 1 year

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