More Than

More Than is a trading name of the RSA Insurance Group. RSA is listed on the London Stock Exchange and is a constituent of the FTSE 100 Index.

Launched in 2001, More Than offers a wide range of insurance products. These include car, life, home, pet and travel. All policies are underwritten by parent company RSA.

More Than
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Car insurance

Ranked 50th of 56 providers reviewed.

Customer happiness 56.07%
Customer trust 47.95%
Complaints performance 65.03%
Transparency rating 61.4%
Fairer Finance score
Reviewed Spring 2021
58%

Home insurance (building and contents)

Ranked 42nd of 52 providers reviewed.

Customer happiness 56.12%
Customer trust 50.41%
Complaints performance 64.53%
Transparency rating 62.47%
Fairer Finance score
Reviewed Spring 2021
58%

Pet insurance

Ranked 21st of 28 providers reviewed.

Customer happiness 52.94%
Customer trust 47.85%
Complaints performance 64.53%
Transparency rating 69.96%
Fairer Finance score
Reviewed Spring 2021
59%

Car insurance

More Than

Car Insurance (with guaranteed hire car cover)

5 stars
Cover limit for lost keys i £1,000
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i £1,000
New car replacement
Windscreen repair excess i £10
Windscreen replacement excess i £75
Repairs guarantee (years) i Lifetime
Cover limit for stolen keys i £1,000
24hr helpline available i
Courtesy car provided if stolen / total loss i

More Than

Car Insurance

4 stars
Cover limit for lost keys i £1,000
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i £1,000
New car replacement
New car replacement
Windscreen repair excess i £10
Windscreen replacement excess i £75
Repairs guarantee (years) i Lifetime
Cover limit for stolen keys i £1,000
24hr helpline available i
Courtesy car provided if stolen / total loss i

Home insurance (building and contents)

More Than

Home Choice Insurance (Upgraded Cover)

4 stars
Matching sets i
Theft from outbuildings cover limit i £3,000
Escape of water excess i £350
Alternative accommodation cover limit i £100,000
Cover for keys if lost i £1,000
Money in the home i £500
Replace belongings new for old i
24hr helpline i

More Than

Home Choice Insurance (Primary Cover)

3 stars
Matching sets i
Theft from outbuildings cover limit i £3,000
Escape of water excess i £350
Alternative accommodation cover limit i £30,000
Cover for keys if lost i £1,000
Money in the home i £500
Replace belongings new for old i
24hr helpline i

Buildings insurance

More Than

Home Choice Insurance (Upgraded Cover)

3 stars
Finding & repairing a leak cover limit i £5,000
Cover for keys if lost i £1,000
Matching sets i
Alternative accommodation cover limit i £100,000
Cover for keys if stolen i £1,000
Compulsory excess i £50
Escape of water excess i £350
24hr helpline i
Property owner liability i £1,000,000

More Than

Home Choice Insurance (Primary Cover)

2 stars
Finding & repairing a leak cover limit i £0
Cover for keys if lost i £1,000
Matching sets i
Alternative accommodation cover limit i £30,000
Cover for keys if stolen i £1,000
Compulsory excess i £50
Escape of water excess i £350
24hr helpline i
Property owner liability i £1,000,000

Contents insurance

More Than

Home Choice Insurance (Primary Cover)

4 stars
Theft from outbuildings cover limit i £3,000
Matching sets i
Cover for keys if lost i £1,000
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £15,000
Money in the home cover limit i £500
Cover for keys if stolen i £1,000
24hr helpline i

More Than

Home Choice Insurance (Upgraded Cover)

4 stars
Theft from outbuildings cover limit i £3,000
Matching sets i
Cover for keys if lost i £1,000
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £15,000
Money in the home cover limit i £500
Cover for keys if stolen i £1,000
24hr helpline i

Pet insurance

Cat insurance

More Than

Premier £12,000

5 stars
Vet fees cover limit per condition i £4,000
Dental cover (if due to an accident) i £2,000
If renewed, are existing conditions covered? i
Cruciate ligament damage i £4,000
CT scans i £4,000
MRI scans i £4,000
Prescription diet (treatment of bladder stones only) i £500
Euthanasia cover limit i £200
Cremation i £200
Complementary treatment i £1,500
Age when compulsory excess rises i 9 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £2,000

More Than

Classic £4,000

4 stars
Vet fees cover limit per condition i £4,000
Dental cover (if due to an accident) i £4,000
If renewed, are existing conditions covered? i
Cruciate ligament damage i £4,000
CT scans i £4,000
MRI scans i £4,000
Prescription diet (treatment of bladder stones only) i £4,000
Euthanasia cover limit i Optional
Cremation i Optional
Complementary treatment i £1,000
Age when compulsory excess rises i 9 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £1,000

More Than

Classic £8,000

4 stars
Vet fees cover limit per condition i £8,000
Dental cover (if due to an accident) i £8,000
If renewed, are existing conditions covered? i
Cruciate ligament damage i £8,000
CT scans i £8,000
MRI scans i £8,000
Prescription diet (treatment of bladder stones only) i £8,000
Euthanasia cover limit i Optional
Cremation i Optional
Complementary treatment i £1,000
Age when compulsory excess rises i 9 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £1,000

More Than

Premier £4,000

3 stars
Vet fees cover limit per condition i £1,000
Dental cover (if due to an accident) i £1,000
If renewed, are existing conditions covered? i
Cruciate ligament damage i £1,000
CT scans i £1,000
MRI scans i £1,000
Prescription diet (treatment of bladder stones only) i £500
Euthanasia cover limit i £200
Cremation i £200
Complementary treatment i £1,500
Age when compulsory excess rises i 9 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £2,000

More Than

Basic £3,000

3 stars
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
If renewed, are existing conditions covered? i
Cruciate ligament damage i £3,000
CT scans i £3,000
MRI scans i £3,000
Prescription diet (treatment of bladder stones only) i £3,000
Euthanasia cover limit i Optional
Cremation i Optional
Complementary treatment i £500
Age when compulsory excess rises i 9 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £500

More Than

Basic £1,500

2 stars
Vet fees cover limit per condition i £1,500
Dental cover (if due to an accident) i £1,500
If renewed, are existing conditions covered? i
Cruciate ligament damage i £1,500
CT scans i £1,500
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £1,500
Euthanasia cover limit i Optional
Cremation i Optional
Complementary treatment i £500
Age when compulsory excess rises i 9 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £500

More Than

Accident Only

1 stars
Vet fees cover limit per condition i £2,500
Dental cover (if due to an accident) i £2,500
If renewed, are existing conditions covered? i
Cruciate ligament damage i £0
CT scans i £2,500
MRI scans i £2,500
Prescription diet (treatment of bladder stones only) i £0
Euthanasia cover limit i Optional
Cremation i Optional
Complementary treatment i £0
Age when compulsory excess rises i 9 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £0

Dog insurance

More Than

Premier £12,000

5 stars
Vet fees cover limit per condition i £4,000
Dental cover (if due to an accident) i £2,000
If renewed, are existing conditions covered? i
Cruciate ligament damage i £4,000
CT scans i £4,000
MRI scans i £4,000
Prescription diet (treatment of bladder stones only) i £500
Euthanasia cover limit i £200
Cremation i £200
Complementary treatment i £1,500
Age when compulsory excess rises i 9 years
Amendment fee i £0

More Than

Classic £4,000

4 stars
Vet fees cover limit per condition i £4,000
Dental cover (if due to an accident) i £4,000
If renewed, are existing conditions covered? i
Cruciate ligament damage i £4,000
CT scans i £4,000
MRI scans i £4,000
Prescription diet (treatment of bladder stones only) i £4,000
Euthanasia cover limit i Optional
Cremation i Optional
Complementary treatment i £1,000
Age when compulsory excess rises i 9 years
Amendment fee i £0

More Than

Classic £8,000

4 stars
Vet fees cover limit per condition i £8,000
Dental cover (if due to an accident) i £8,000
If renewed, are existing conditions covered? i
Cruciate ligament damage i £8,000
CT scans i £8,000
MRI scans i £8,000
Prescription diet (treatment of bladder stones only) i £8,000
Euthanasia cover limit i Optional
Cremation i Optional
Complementary treatment i £1,000
Age when compulsory excess rises i 9 years
Amendment fee i £0

More Than

Premier £4,000

3 stars
Vet fees cover limit per condition i £1,000
Dental cover (if due to an accident) i £1,000
If renewed, are existing conditions covered? i
Cruciate ligament damage i £1,000
CT scans i £1,000
MRI scans i £1,000
Prescription diet (treatment of bladder stones only) i £500
Euthanasia cover limit i £200
Cremation i £200
Complementary treatment i £1,500
Age when compulsory excess rises i 9 years
Amendment fee i £0

More Than

Basic £3,000

3 stars
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
If renewed, are existing conditions covered? i
Cruciate ligament damage i £3,000
CT scans i £3,000
MRI scans i £3,000
Prescription diet (treatment of bladder stones only) i £3,000
Euthanasia cover limit i Optional
Cremation i Optional
Complementary treatment i £500
Age when compulsory excess rises i 9 years
Amendment fee i £0

More Than

Basic £1,500

2 stars
Vet fees cover limit per condition i £1,500
Dental cover (if due to an accident) i £1,500
If renewed, are existing conditions covered? i
Cruciate ligament damage i £1,500
CT scans i £1,500
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £1,500
Euthanasia cover limit i Optional
Cremation i Optional
Complementary treatment i £500
Age when compulsory excess rises i 9 years
Amendment fee i £0

More Than

Accident Only

1 stars
Vet fees cover limit per condition i £2,500
Dental cover (if due to an accident) i £2,500
If renewed, are existing conditions covered? i
Cruciate ligament damage i £0
CT scans i £2,500
MRI scans i £2,500
Prescription diet (treatment of bladder stones only) i £0
Euthanasia cover limit i Optional
Cremation i Optional
Complementary treatment i £0
Age when compulsory excess rises i 9 years
Amendment fee i £0

Travel insurance

Annual multi-trip insurance

More Than

Gold

4 stars
Cancelling before travel cover limit i £5,000
Medical excess i £60
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Emergency medical cover and repatriation cover limit i £15,000,000
Mental health cover i
Lost or stolen cash i £300
Combined passport & travel cover limit i £250
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Max trip duration i 45 days

More Than

Diamond

4 stars
Cancelling before travel cover limit i £7,500
Medical excess i £40
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £3,000
Cutting trip short cover limit i £7,500
Abandoning your trip cover limit i £7,500
Emergency medical cover and repatriation cover limit i £20,000,000
Mental health cover i
Lost or stolen cash i £400
Combined passport & travel cover limit i £500
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Max trip duration i 62 days

More Than

Silver

3 stars
Cancelling before travel cover limit i £1,500
Medical excess i £100
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,500
Cutting trip short cover limit i £1,500
Abandoning your trip cover limit i £1,500
Emergency medical cover and repatriation cover limit i £10,000,000
Mental health cover i
Lost or stolen cash i £200
Combined passport & travel cover limit i £100
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Max trip duration i 31 days

Single trip insurance

More Than

Gold

4 stars
Cancelling before travel cover limit i £5,000
Medical excess i £60
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Emergency medical cover and repatriation cover limit i £15,000,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £250
Missed departure cover limit i £500

More Than

Diamond

4 stars
Cancelling before travel cover limit i £7,500
Medical excess i £40
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000
Cutting trip short cover limit i £7,500
Abandoning your trip cover limit i £7,500
Emergency medical cover and repatriation cover limit i £20,000,000
Lost or stolen cash i £400
Combined passport & travel cover limit i £500
Missed departure cover limit i £500

More Than

Silver

3 stars
Cancelling before travel cover limit i £1,500
Medical excess i £100
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500
Cutting trip short cover limit i £1,500
Abandoning your trip cover limit i £1,500
Emergency medical cover and repatriation cover limit i £10,000,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £100
Missed departure cover limit i £250

Travel insurance add-on: cruise cover

More Than

Silver

1 stars
Missed port departure cover limit i £0
Re-joining a cruise cover limit i £0
Cabin confinement cover limit i £250
Missed port departure excess i
Timetable/itinerary change cover limit i £500
Unused excursions cover limit i £300

More Than

Gold

1 stars
Missed port departure cover limit i £0
Re-joining a cruise cover limit i £0
Cabin confinement cover limit i £375
Missed port departure excess i
Timetable/itinerary change cover limit i £750
Unused excursions cover limit i £500

More Than

Diamond

1 stars
Missed port departure cover limit i £0
Re-joining a cruise cover limit i £0
Cabin confinement cover limit i £500
Missed port departure excess i
Timetable/itinerary change cover limit i £1,000
Unused excursions cover limit i £750

Travel insurance add-on: winter sports

More Than

Diamond

5 stars
Ski equipment owned cover limit i £1,000
Single owned item cover limit i £500
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500
Avalanche closure cover limit i £500
Piste closure cover limit i £500
Ski equipment owned excess i £40
Ski equipment hired i £400
Single item limit for hired equipment i £400
Unused ski pass due to illness or injury i £500

More Than

Gold

4 stars
Ski equipment owned cover limit i £750
Single owned item cover limit i £375
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £400
Avalanche closure cover limit i £400
Piste closure cover limit i £400
Ski equipment owned excess i £60
Ski equipment hired i £200
Single item limit for hired equipment i £200
Unused ski pass due to illness or injury i £400

More Than

Silver

2 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £250
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250
Avalanche closure cover limit i £250
Piste closure cover limit i £250
Ski equipment owned excess i £100
Ski equipment hired i £150
Single item limit for hired equipment i £150
Unused ski pass due to illness or injury i £250