More Than car insurance review

We’ve analysed the car insurance from More Than to help you decide if this insurer can give you a good deal.

More Than says its comprehensive cover will offer a courtesy car as standard and protect against accidents with uninsured drivers. What’s more, the insurer claims to offer existing customers up to 15% off certain additional car insurance policies. Here’s what else we think you should know about this 5-star-Defaqto-rated car insurer.

More Than car insurance

More Than Car Insurance

  • 5-star Defaqto-rated
  • Claims can be made online
  • Two levels of cover to choose from
  • Third party EU cover and courtesy car included with comprehensive cover

Compare More Than policies

Updated October 15th, 2019
Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options
Up to 93 days with a foreign use extension
Up to 15% off certain additional car insurance policies
Young driver insurance
Up to 93 days with a foreign use extension
Up to 15% off certain additional car insurance policies
Young driver insurance

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Who is More Than?

More Than was launched in 2001 and provides a range of insurance products, including car, van, landlord, pet, home, caravan and travel insurance.

More Than is a trading name of Royal & Sun Alliance Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

What are More Than’s levels of cover?

To be on UK roads, all drivers are legally required to have at least third party car insurance. More Than doesn’t offer third party on its own, but it does offer two higher levels of cover.

  • Third party, fire and theft (TPFT). If you are responsible for causing an accident, you’ll be protected for damage to other people’s vehicles or property. You’ll also have protection against any fire damage or theft of your car.
  • Comprehensive. This is the highest level of cover on offer through More Than and will provide the same protection as TPFT as well as insuring your vehicle against accidental damage and vandalism. It’s always worth checking the cost of comprehensive as it can be cheaper than third party or TPFT.

What types of car insurance are available?

  • Young driver insurance. More Than offers young drivers insurance through its More Than Smart Wheels telematics or “black box” policies.

What is covered under my policy?

Cover benefitsThird party, fire and theftComprehensive
Liability to other people
Fire and theft
Accidental damage
Courtesy car
Third party EU cover
In-car entertainment cover up to £750

Check your policy details carefully to ensure you have the right cover for your needs.

Optional extras

More Than offers a range of additional protection to bolt onto your policy, including:

  • Breakdown cover. More Than offers four levels of RAC breakdown cover.
  • Legal cover. Up to £100,000 of legal expenses paid.
  • European use extension. Comprehensive EU cover for up to 93 days.
  • Enhanced In-car entertainment cover. Greater cover for up to £2,000.

General exclusions

Any cover offered by More Than is likely to become invalid if any of the following arises:

  • You change the use of your car from its original use. For example, changing from social domestic and pleasure to business use.
  • Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
  • You use your car at rallies, races or competitions.
  • You are paid to carry passengers.
  • You fail to pay for your premium.
  • You change your car during the policy term to a car that the insurer cannot cover.
  • You do not provide the correct documents to support your application.
Check your policy for further details to confirm your cover is valid.

More Than pros and cons


  • More Than’s car insurance is 5-star Defaqto-rated
  • Third party EU cover included with comprehensive cover
  • Claims can be made online


  • Claims line is not open 24/7
  • Limited online information about specific car insurance policy details

What is the claims process for More Than?

You should call the More Than claims line on 0800 300 252 to make a claim.
The claims line is open Mondays to Fridays 8am to 8pm and Saturdays 8am to 4pm.

Alternatively, you can complete the initial online claims form within the claims section of the More Than website.

You will need to provide the following information:

  • Details about the incident
  • Names and contact details of everyone involved in the incident, including passengers, third parties, any witnesses
  • The makes, models and registration numbers of all vehicles involved
  • Third party insurance details and policy numbers
  • Crime reference number, if applicable
  • Digital photographs, if available

It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.

What is my excess?

Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your car and your driving experience.

A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which should lower your premium.

You’ll find details about any compulsory or voluntary excesses in your policy document.

How to save on your car insurance policy through More Than

  • Increasing security. If your car is not currently fitted with an alarm, think about adding one to reduce your premium.
  • Having a secure location to park your car. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
  • Reduce mileage. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
  • Fewer drivers. Only add drivers to your policy that regularly drive your car.
  • Larger excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
  • Check the discounts. More Than says it offers existing policyholders a 15% discount on the insurance premium of a second car (excluding its telematics policies).

Frequently asked questions

Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid. The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*51% of consumers could save £200. Quote aggregator Seopa split the insurers on its comparison systems into different categories. It then selected quotes from the most popular providers as well as quotes from other providers which returned a price. It then selected providers, weighting them according to UK insurance market share (data from the Association of British Insurers), choosing the cheapest of either the most popular providers or other providers ("the cheapest selected quote"). Seopa then compared the cheapest quote on its system against this "cheapest selected" quote. The company then took the savings figure which 51% or over could have saved, using that formula. The savings you could achieve will depend on your individual circumstances and how you selected your current insurance supplier.
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