Besides M & S 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.

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

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 & Spencers are so useful. M&S Money Direct financial products are, of course, designed to make Marks & 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.

Autograph Eyebrow Pencil, at M+S
Hypoallergenic Available in 5 shades

21 Blu-ray DVD, at M & S
Rating Suitable for 12 years and over,

Pointed Toe Ankle High Boots, at Marks and Spencer
Pointed toe Centre stitch detail Side zip fastening Ankle high Mid heel Heel height: 54mm Comes in sizes 3-8, including half sizes

Halterneck 3 Ring Tankini Top, at Marks and Spencer
Feminine and glamorous, this fashionable tankini top features a centre ring detail. A fabulous fashionable look

M&S Dual Deck Laminator, at M&S
Features: Jam release button, document exit support trays at both ends, LED indicators for power on and ready to use Size: Will laminate paper up to A4 size Power: 220-240V ac 50/60Hz 370W, 1.8A Lamination speed: Approx 230mm/minute Pouch thickness range: 80-125 microns (A4) Ready time: 4-8 minutes Number of rollers: 3 Dimensions: 34 x 12 x 10.5cm Weight: 2.24kg 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

Small Blonde Rag Doll, at Marks & Spencers
Not recommended for babies under 12 months Suitable for ages 1-3yrs Apple print frill dress This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Little Sweetheart Pencil Pleat Curtains, at Marks & Spenser
Heart detail Floral print hem Pencil pleat Comes in standard 168cm/66in (STD) Also comes in two drop lengths: short (137cm/54in) and medium (183cm/72in) How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Roll Top Boy Shorts, at Marks & Spencer
Elegant and feminine, these flattering shorts are designed in the latest shape. A stylish, shapely look

Car Keyring, at Mark's & Spencer
You'll never lose your keys again with this eye-catching keyring

Portfolio Cotton Rich Straight Leg Jeans, at Marks and Spenser
Part of Portfolio's Set Sail trend. Fresh and breezy, this sophisticated look features classic styling with vibrant accents of summertime pinks and blues. Feminine and coordinated designs for the new season

M&S Compact Blender, at Marks & Spencer
800 ml capacity 300 watt 2 speeds Pulse button Stainless steel Includes glass jug Dimensions: H32 x W20 x D32cm 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

Single Sprung-Edge Divan with 2 Large + 2 Small Drawers & M400 - Medium Mattress, at Marks and Spencer
Double mattress (4ft 6in): W135 x L190 cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 24cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Small drawer: H14 x W40 x D52cm Mattress filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give the mattress edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs Pocket sprung mattresses give a flexible feel Mattress spring count: 1054 Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Cymru Rugby T-Shirt, at Marks & Spensers
Fun and fashionable, this short sleeve t-shirt in soft cotton features an embroidered Cymru logo. A practical easycare style

Ceriso Cupcake Push Up Padded Plunge Bra, at M+S
Feminine and fashionable, this modern push up bra features an intricate stripe trim. It's underwired for extra support and the padded plunge style gives a fabulous enhanced cleavage for a push up effect. Designed for women who want the latest look

Rosina Armchair, at Marks and Spencer
H82 x W92 x D97cm Seat H45cm (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 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

Suede Sprung-Edge Non-Storage Divan & M400 Mattress - Medium, at Marks&Spencer
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190cm King Size Mattress (5ft): W150 x L200cm Super King Size Mattress (6ft): W180 x L200cm Single Divan (3ft): W90 x L190cm Double Divan (4ft 6in): W135 x L90cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): W180 x L200cm Mattress depth: 24cm Divan Height: 41cm Mattress filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give the mattress edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Union Jack Keyring, at Marks & Spenser
You'll never lose your keys again with this eye-catching Union Jack keyring

Olympus FE-5000 Digital Camera, at Mark's & Spencer
Effective pixels: 10 Megapixels Zoom: 5 x Optical zoom Digital Zoom: 4 x / 20 x combined with optical zoom LCD: 6.9 cm / 2.7", LCD backlight boost: Auto focus with contrast detection, Image Stabilisation Mode, Shadow Adjustment Technology, Advanced Face Detection Technology Number of scene modes: 11 Sensitivity: Auto: AUTO / High AUTO Automatically selected; Manual:ISO 80, 100, 200, 400, 800, 1600 Internal Flash: AUTO, Red-eye reduction, Fill-in, Off Image Processing, Function Processing, Image Editing, View Images, View Movie, Still Image Recording, Movie Recording System, Voice Appendage Memory: 48 MB for image data(Internal) Menu languages: 39 languages Speaker, Combined A/V & USB output, USB 2.0 High Speed, Mechanical Image Stabilizer, Advanced Face Detection Technology, Perfect Shot Preview Self timer: 12s Dimensions: W97 x H57 x D26cm Weight:137g (without battery and card)

Ultimate All Season Stormwear™ Mac, at Marks & Spencers
Stylish and contemporary, this mac is treated with Stormwear™ technology, a breathable finish that repels water and stains

Pure Cotton Long Sleeve Butterfly Print Top, at Marks & Spencer
This long sleeve top will make a useful addition to your wardrobe. It features a pretty butterfly print for a stylish casual look

Autograph Criss Cross Knot Waist Belt, at Mark's & Spencer
Define your waistline with this fashionable criss cross knot belt

Winnie The Pooh Family Organiser Calendar, at Marks & Spencers
Contains: 1 pen and memo pad Approx. size: 330 x 430mm Disney. Based on the "Winnie the Pooh" works by A. A. Milne and E. H. Shepard. www.disney.com

3/4 Sleeve Mono Mosaic Print Tunic, at M&S
This fashionable longer length top features a mono mosaic print design. A great way to get a fab modern look

5 Younger Girls' Funky Animal Print Ankle Socks, at Marks and Spencer
Stock up on stylish essentials with this pack of 5 funky animal print socks

2 Piece Embroidered Dress & Leggings Outfit, at Marks and Spencer
Modern and pretty, this 2 piece dress and leggings outfit looks fabulously fashionable worn together or separately

Portfolio Mixed Bead Collar Necklace, at Marks and Spencer
Collar style Clasp fastening Adjustable length Mixed bead design Necklace length 51cm, extendable by 8cm

Per Una Chiffon Neckline Knitted Top with Angora, at Marks & Spencers
An elegant 3/4 sleeve top with fluffy angora featuring chiffon neckline panel

Chalk & Cheese Characters Multipack of Mini Cards, at Marks & Spencers
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

Autograph Pure Cotton Jeans with Belt, at Marks & Spensers
Fashionable and practical, these cotton jeans are hardwearing and comfy. The additional stripe belt gives a trendy look

Medium Kangaroo Soft Toy, at Marks & Spencers
Suitable for ages 0-3 years Sewn in baby joey This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

When you're shopping at Mark's & 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 Marks and 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."