More Than Travel Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether More Than is the right company to go on holidays with? 

In this definitive More Than review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is More Than the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into More Than travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below. 

4,1 Safe overall rating for More Than

Safe ratingOur opinion
Customer service & satisfaction

High customer satisfaction rate of 4.3/5 on TrustPilot
Easily accessible policy documents
24/7 emergency helpline
No Defaqto rating

Cover provided

Policies available across 3 levels
High medical emergency cover limit of up to £20M
High cancellation cover limit of up to £7,500
No Backpacker or Longstay Travel Insurance

Value for money

Affordable premiums
Children covered for free
Up to 15% discount on Annual Multi Trip Policy

Financial strength

More Than’s travel insurance policies are administered and sold by Hood Travel Limited which is authorised and regulated by the Financial Conduct Authority
More Than’s travel insurance policies are underwritten by Allianz Global Assistance which is also authorised and regulated by the Financial Conduct Authority

Technology

Online quote process
Customer portal available
No live chat feature
No online claims process

Safe rating for More Than travel insurance

More Than travel insurance reviews by expert and consumers

Review organisationMore Than travel insurance reviews
Defaqto expert

Not Available

TrustPilot

4,3/5 based on more than 10.4K opinions

Consumer satisfaction rates on reviews for More Than holiday insurance

To check if More Than is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

What does More Than travel insurance cover?

More Than travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family. 

More Than’s travel insurance policies are available for individuals, couples, groups and families.

More Than single-trip and annual multi-trip travel insurances

Single and annual multi-trip days and age limits at More Than
Maximum days per trip

Single Trip: 94 days
Annual Multi Trip: 31 days for Silver, 45 days for Gold and 62 days for Diamond.

Maximum age limit

79 years

Maximum days and age limit for single-trip and annual multi-trip policies at More Than

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at More Than:

Policy name

SilverGold Diamond
Excess (if not stated)£100£60£40
Medical expenses£10M£15M£20M
Trip cancellation / curtailment£1,500£5,000£7,500
Delayed departure 12 hours£25£50£50
Delayed departure max£250£500£500
Baggage & belongings£1,500£2,000£3,000
Money including cash£200£300£400
Repatriation£10M£15M£20M
Personal liability£2M£2M£2M
Personal accident (excess £0)£2,500£10,000£20,000
Legal expenses
(excess £0)
£15,000£30,000£50,000
Hospital benefit
(excess £0)
£500£1,500£2,000
Accommodation cover£1,500£5,000£7,500
Pet care (excess £0)x£250£500
SAFI*£1,500£1,500£1,500
Medical screeningxxx
Cruise coverOptional Optional Optional
Winter sportsOptional Optional Optional
Golf CoverOptional Optional Optional
More Than travel insurance in details

More Than winter sports travel insurance

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

Optional Winter Sports Cover is available at More Than Insurance and it comes with the following features and benefits:

  • Available across 3 levels of cover: Silver, Gold and Diamond
  • Up to £1,000 for winter sports equipment that you own
  • Up to £400 for winter sports equipment that you hired
  • Up to £500 for replacement winter sports equipment hire
  • Up to £750 lift pass cover
  • Up to £500 ski pack cover
  • Up to £500 piste closure cover
  • Up to £500 avalanche or landslide cover.

What are the other travel insurance options available at More Than?

Travel insurance options at More Than
More Than golf cover

Optional Golf Cover is available at More Than Insurance and it comes with the following features and benefits:

  • Available across 3 levels of cover: Silver, Gold and Diamond
  • Up to £2,000 golf equipment cover
  • Up to £500
    replacement golf equipment hire cover
  • Up to £500
    green fees cover.
More Than business cover

Optional Business Travel Cover is available at More Than Insurance and it comes with the following features and benefits:

  • Up to £2,000 business equipment cover
  • Up to £1,000 business samples cover
  • Up to £500 business money
  • Up to £300 business cash
  • Up to £2,000 replacing staff cover.
More Than cruise cover

Optional Cruise Cover is available at More Than Insurance and it comes with the following features and benefits:

  • Available across 3 levels of cover: Silver, Gold and Diamond
  • Up to £1,000 missed port cover
  • Up to £500 cabin confinement cover
  • Up to £750 unused excursions cover.
More Than gadget cover

Optional Gadget Cover is available at More Than Insurance and it comes with the following features and benefits:

  • Up to £3,000 gadget cover
  • Up to £1,000 per single article
  • Up to £1,000 unauthorised usage cover.
More Than other extras

Other optional upgrades available at More Than are:

  • Natural Catastrophe Cover
  • Excess Waiver Cover
  • Sports and Activities cover
  • Wedding Cover.
Other travel insurance policy options available at More Than

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call More Than before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is More Than travel insurance?

You’ll find below indicative quotes per level of cover at More Than:

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at More Than:

Policy name

SilverGoldDiamond
Price – 3 days trip – 30 years old – Europe£8,91£14,56£21,42
More Than travel insurance in details

It is, however, quite difficult to give precise price ranges as More Than travel insurance policy quotes will depend on a range of factors such as:

  • Your age at the time of travelling
  • The length of your stay
  • Your trip destination (Europe, North America, Worldwide)
  • The period you wish to be covered for (single trip, annual multi-trip, extension)
  • If you need specific insurance (cruise, ski, backpackers, gadget cover)
  • Your medical condition before travelling
  • Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at More Than?

Up to 15% discount on Annual Multi Trip Policy is available and children travelling with adults are covered for free.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at More Than.

What else should I know about More Than travel insurance?

What are the general exclusions at More Than travel insurance?

To be eligible for travel insurance policy at More Than:

  • You must be a resident of the UK, the Channel Islands or the Isle of Man
  • You must be registerd with a local general practitioner
  • You must be within the age limit
  • You must not exceed the duration of the trip covered
  • You must be transparent and disclose any pre-existing medical condition
  • Your trip must start and end in the UK
  • The trip must not have started prior to purchase of the policy.

How do I get travel insurance quote from More Than?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If More Than is the right one for you, then just click on get quote and you’ll be automatically directed through the company’s sale channel.

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to More Than website?

Through the customer portal, you can access information regarding your policy. Log in to More Than

How to claim at More Than travel insurance?

There are 2 ways to make a claim and that is either through email or phone call.

How to claim on More Than travel insurance?
Claim by email[email protected]
Claim by phone

0330 100 6474

How to make a claim on More Than travel insurance

How do I contact More Than travel insurance?

More Than contact phone numbers

ServicesPhone numbersOpening hours
Customer Service0800 980 5573

Monday to Friday: 9am to 5pm

Quote03301 007 825

Monday to Friday: 8am to 7pm
Saturday: 9am to 5pm

Medical Emergency+44 208 603 9884

Available 24/7

Gadget Claims0330 880 1750

Available 24/7

More Than contact phone numbers

More Than other contact details

Contact details
Address

More Than
St. Mark’s Court,
Chart Way, Horsham,
West Sussex RH12 1XL

Email[email protected]
More Than contact details

How to cancel your annual More Than travel insurance policy?

You will find below main information to cancel your travel insurance policy at More Than:

How to cancel More Than travel insurance?
Cancellation fees during cooling off period of 14 days£0
Cancellation fees outside cooling off period

No refund

Cancel by mail

Hood Travel Limited,
1st Floor Maitland House,
Warrior Square, Southend-on-Sea,
Essex, SS1 2JY

Cancel by email[email protected]
Cancel by phone

0345 078 7502

How to cancel More Than travel insurance

Our opinion on More Than travel insurance

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

More Than’s travel insurance policies are administered and sold by Hood Travel Limited which is authorised and regulated by the Financial Conduct Authority and underwritten by Allianz Global Assistance which is also authorised and regulated by the Financial Conduct Authority.

The company offers its Single and Annual Multi Trip policies across 3 levels of covers: Silver, Gold and Diamond. The covers offered have above average limits, for example, up to £20M for medical emergency and £7,500 for cancellation.

Due to the high customer satisfaction rate on TrustPilot and the several offers such as 15% discount on Annual Multi Trip and children covered for free, we would recommend More Than to individuals or families travelling with children and are looking for affordable travel insurance policies.