More Than Car Insurance Review

James Rodriguez James Rodriguez updated on July 7, 2022

This is the ultimate review to guide you through More Than car insurance.

You might already know that More Than offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is More Than the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail More Than car policy terms and conditions and given our own ratings based on different criteria.

3,1 Safe overall rating for More Than

Our ratingOur opinion
Customer service & satisfaction

4.2/5 based on 9347 opinions on TrustPilot
24/7 emergency assistance
Limited online information about specific car insurance policy details
More Than car insurance was ranked 20th out of 31 car insurers by Finally Which? in 2018

Cover provided

Courtesy car is provided as a standard on comprehensive policies
Third party EU cover included with the comprehensive cover offered.
Lifetime repair guarantees
Unlimited onward travel cover
Only 60K legal protection

Value for money

Named driver bonus
A 15% loyalty discount is offered to existing customers who are taking out a new policy
Many cashback vouchers offered with the car insurance policy.

Financial strength for pay out

Strong financial capability


Presence of technological advancements like Black box and app
Insurance policies can be taken out and adjusted online
Absence of live bot to answer questions
Some details of the insurance covers offered were not fully explained on the website

Safe rating for More Than

Expert and customer reviews on More Than

We compiled expert and customer reviews from independent institutions, to give you an overall idea of More Than's reputation.

Review organisationConsumer satisfaction rates for More Than
Defaqto expert rating for More Than defaqto 5 stars
TrustPilot4,2/5 based on 9347 opinions
Consumer satisfaction rates on reviews for More Than

To check if More Than is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

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Our review on More Than car insurance policy

More Than was established in 2001 as part of the Royal & Sun Alliance Group, and they offer a range of personal insurance products, including home, pet, landlord, travel, life, caravan and motorhome, in addition to car insurance. More Than is rated five stars on Defaqto and it offers two levels of cover which is the Comprehensive cover, Third Party, fire and theft cover. The comprehensive cover offers a courtesy car as standard and also offered cover for insured drivers. The insurer also offers existing customers up to 15% off certain additional car insurance policies.

What does More Than car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at More Than?

Car insurance policyAvailable at More ThanCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at More Than

Keep in mind that you can always add optional extras to your policy.

Main guarantees at More Than explained in details

Let's find out what does More Than covers in its car insurance policy.

Breakdown cover at More Than

More Than partnered with RAC to provide Breakdown cover and the following are offered:

  • Roadside assistance: repairs are carried out at the roadside in the case of a breakdown
  • Recovery Assistance: is provided to move the car to a garage in the case of a breakdown
  • Home assistance: breakdown cover is provided if your car doesn’t work at home
  • Driving in Europe cover is provided for breakdown in foreign countries.

Keycare cover at More Than

More Than offers Keycare cover as an optional extra and it is only available on the comprehensive cover. A sum of £1,000 to cover repair and replacement fees.

Windscreen cover at More Than

With More Than’s windscreen cover, the following applies:

  • excess paid for an approved windscreen repairer: £10
  • excess paid for replacement from an approved repairer: £75.

Motor legal protection at More Than

In the event of an accident, More Than provides a lawyer who would take up your case and defend you. The following are included as a part of the motor legal protection cover offered:

  • a cover of £100,000 would be provided to cover legal fees
  • access to legal documents
  • support and advice.

Personal policy injury available at More Than

If the driver and his/her partner are involved in an accident in the insured vehicle and within 3 months, this accident results to:

  • death
  • permanent loss of use of limb
  • permanent loss of eyesight.
    More Than provides £5,000 worth of Personal Accident cover.

Coverage abroad at More Than

Abroad coverage is available under the comprehensive insurance policy and this coverage allows the holders to travel through Europe for 93 days. The list of countries includes:
Andorra, Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Courtesy car at More Than

More Than provides a courtesy car service as standard with every comprehensive policy taken out as long as an approved repairer affiliated with More Than is used. However, this service is not offered if the car has been damaged beyond repairs.

No-Claim Bonus (NCB) at More Than

The No Claim Bonus for each year of cover increases anytime the driver does not claim.

The no claims bonus is not affected if the claim falls under the wrong fuel cover or emergency treatment or if the claim wasn’t your fault.

At More Than, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year): 1 claim in 3 years.

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

More Than car insurance terms and conditions

How much does More Than car insurance cost?

You'll find below indicative car insurance quotes at More Than:

Drivers'ageMonthly premium
18 years old£108,21
40 years old £44,63
60 years old£32,91
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of More Than insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at More Than?

A loyalty discount is offered to existing customers. 15% multi-vehicle discount is offered for drivers who register more than one car under the same address.
Also, cashback vouchers are also provided.

Discount typesComment
Discounts 15% multi-vehicle discount is offered for drivers who register more than one car under the same address.
Discounts and cashbacks available at More Than

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

More Than car insurance policy summarized


At More Than
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£1,000
Personal belongings£250
Audio equipment


Medical expenses


Liability limit for property damage£20,000,000
Legal expense£100,000,
Courtesy car benefit

As standard

Courtesy car cover

21 days

Coverage abroad

93 days

Guarantees at More Than


At More Than
Fire excesscost of damage is covered
Theft excesscost of damage is covered
Accidental damage excesscost of damage is covered
Windscreen replacement excess£10- £75
Young driver excess


Excess at More Than

Admin fees

At More Than
Interest charged by payment installments


Renewal fees


Cancellation fees

Cancellation fees during cooling off period : not stated
Cancellation fees outside cooling off period : not stated

Modification fees

Adjustment fee: £0

Admin fees at More Than

Other car insurance policies available at More Than

More Than multi-car insurance

More Than offers Multi car insurance with a 15% multi-vehicle discount offered. The Comprehensive cover plan is attached to this insurance policy and it offers the following:

  • Uninsured driver protection
  • Provision of a courtesy car as standard when your car is repaired by a recommended repairer
  • Lifetime guarantee on repairs when a More Than repairer is used.

More Than black-box insurance

More Than meets the need of young drivers with its Smart Wheels policies (rated 3 on Defaqto), which is basically a Black Box device attached to the driver’s vehicle to help to monitor his/her driving styles and safety. The safer the driving, the cheaper the renewal premium. More Than does not impose curfews or mileage limit on its drivers. Rewards are given to safe drivers.

More Than business car insurance

The business car insurance that More Than offers both the Comprehensive cover and the Third Party, Fire and theft option and the following levels of cover are provided:

  • £5,000 more than the car’s actual market price if the vehicle is involved in an accident and has been written off 12 months after it was gotten
  • 24/7 emergency assistance which is available as a standard with the Comprehensive cover
  • Named driver discount
  • Key replacement cover.

More Than van insurance

The van insurance policy offered by More Than comes with many benefits, some of which include:

  • 15% multi-van discount
  • New van cover: More than provides up to £3,000 more than the van’s actual market price if the van is involved in an accident and has been written off 12 months after it was gotten
  • Cover for driving abroad
  • Windscreen cover
  • Breakdown cover
  • Temporary can hire for either 7, 14 or 21 days
  • Personal effects cover which is only available on the comprehensive cover.

How to contact More Than auto insurance?

More Than phone numbers 

You will find all important phone numbers to contact More Than car insurance:

Contact numberOpening hours

Customer Service

0330 102 3630

Monday to Friday 8am-9pm
Saturday 8am-5pm
Sunday 9am-5pm


0330 102 3615

Monday to Friday 8am-9pm
Saturday 8am-5pm
Sunday 9am-5pm

Legal helpline

0800 413 431

24 hours a day

Counselling helpline

01132 982632

24 hours a day


0330 102 2911

Monday to Friday 8am-9pm
Saturday 8am-5pm
Sunday 9am-5pm

Glass helpline

0800 731 3172

24 hours a day

Contact numbers at More Than

More Than other contact details

You'll find below More Than main contact details:

Contact details of More Than
Email address

[email protected]

Customer account with More Than login

My account

Social mediaFacebook, Twitter, YouTube
Contact details at More Than

You can also contact them by mail by writing to More Than car insurance:

More than Car insurance
St Marks Court
RH12 1XL
United Kingdom

How to claim at More Than?

You can make a claim online or by calling the claims department at More Than.

ServiceCar claim
Claim online

Online claim form

Claim by phone

0800 300 252

Claim process at More Than

How to cancel your car insurance at More Than?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, More Than as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, More Than has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

Let's find out how to cancel at More Than:

Administrative fees
Cancel online

Online form

Cancellation and modification fees at More Than

You would need to have various documents ready such as:

More Than could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.