More Than is one of the most well-known and well-trusted insurance companies in the UK. It doesn't offer third-party or third-party, fire and theft cover, but you do get a choice of 3 comprehensive options: a standard policy, plus a more basic "Essentials" policy, and an all-singing all-dancing "Extra" policy. The standard and Extra policies are oth 5-star rated by Defaqto, while the Essentials cover gets 3 stars. However, the insurer could be more forthcoming on its website with information about what is and isn’t covered under some of its policies, so make sure you read the small print.
All three levels of comprehensive cover get you a courtesy car and child car seat replacement included. Opt for standard or Extra, and you'll also get wrong fuel cover, personal belongings cover, and an uninsured driver promise.
If you're not impressed by any of More Than's cover options, or even if you are, always shop around. It never hurts, and could help you find the cover you need at the best possible price.
Best for: A good choice of comprehensive cover options
Pros
More Than’s top 2 levels of car insurance are 5-star Defaqto-rated
Courtesy car included as standard
Cons
You can't call to make a claim unless it involves an injury (standard claims can be submitted online)
Limited online information about specific car insurance policy details
★★★★★
User survey
★★★★★
Finder score
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 top-rated car insurer.
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.
Who underwrites the car insurance from More Than?
More Than car insurance policies are underwritten by Royal & Sun Alliance Insurance plc.
More Than is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
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?
Product Name
More Than Third Party, Fire and Theft
More Than Comprehensive
Damage to your car
✓
✓
Damaged windscreen and window glass
✓
✓
Fire and theft
✓
✓
Personal accident cover
✓
✓
Medical expenses
✓
✓
Personal belongings
✓
✓
Liabilities to third parties
✓
✓
Replacement locks
✓
✓
Permanently fitted audio equipment
✓
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:
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.
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.
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.
More Than car insurance customer reviews
Customers who took part in Finder’s 2023 customer satisfaction survey were fairly positive about More Than, with many highlighting its “excellent” customer service and competitive rates.
One customer said, “More Than are always going out of their way to make you feel secure and help when there is an issue.”
More Than received an overall customer satisfaction score of 3.5 out of 5, and 73% of customers said they would recommend the brand to a friend.
Yes, More Than offers policies that can be paid in full or by monthly direct debit payments.
No. More Than only offers annual car insurance.
Car insurance scores
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Liz Edwards has been a consumer writer and editor for more than 20 years. She led award-winning teams at the campaigning publisher Which?, and has covered a range of consumer rights and personal finance topics including pensions, credit, banking and insurance. Liz has appeared frequently in national media such as The Sun, Metro, HuffPost and The Independent. She loves to cut through waffle to give consumers the real lowdown. And she loves puns.
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