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.
As of June 2021, RSA businesses are owned by a consortium of Canadian firm Intact Financial Corporation, and Danish business Tryg A/S.
Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.
Home insurance (building and contents)
7 products reviewed
Buildings insurance
3 products reviewed
More Than
Premium Home Insurance
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£350.00
|
| Matching sets (Buildings) | Yes |
| Frozen pipes | Yes |
| Trace and access |
£10,000.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
More Than
Plus Home Insurance
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£350.00
|
| Matching sets (Buildings) | No |
| Frozen pipes | Yes |
| Trace and access |
£5,000.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
More Than
Home Insurance
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£350.00
|
| Matching sets (Buildings) | No |
| Frozen pipes | Yes |
| Trace and access |
£5,000.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
Contents insurance
3 products reviewed
More Than
Premium Home Insurance
| Feature | Value |
|---|---|
| Matching sets (contents) | Yes |
| Theft from outbuildings |
£7,500.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
Sum insured
|
| Property owner liability |
£2,000,000.00
|
| Escape of water excess (minimum) |
£350.00
|
More Than
Plus Home Insurance
| Feature | Value |
|---|---|
| Matching sets (contents) | No |
| Theft from outbuildings |
£2,000.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
Sum insured
|
| Property owner liability |
£2,000,000.00
|
| Escape of water excess (minimum) |
£350.00
|
More Than
Home Insurance
| Feature | Value |
|---|---|
| Matching sets (contents) | No |
| Theft from outbuildings |
£1,500.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
Sum insured
|
| Property owner liability |
£1,000,000.00
|
| Escape of water excess (minimum) |
£350.00
|
Home Legal Cover
1 product reviewed
More Than
Home Legal Expenses
| Feature | Value |
|---|---|
| Limit of indemnity per claim |
£100,000.00
|
| Employment - employee | Yes |
| Property damage | Yes |
| Contract disputes - pursue | Yes |
| Property disputes | Yes |
| Standard advisors cost |
£100.00
|
| Employment - excess |
£0.00
|
| Contract disputes - defend | Yes |
| Data protection | No |
| Jury service - maximum indemnity limit |
£100,000.00
|
Pet insurance
16 products reviewed
Cat insurance
8 products reviewed
- Premier £6,000
- Premier £4,000
- Classic £4,000
- Classic £8,000
- Basic £3,000
- Premier £2,000
- Premier £1,000
- Basic £1,500
More Than
Premier £6,000
| Feature | Value |
|---|---|
| Medical excess |
£100.00
|
| Type of cover |
Lifetime, annual
|
| Medical cover limit |
£6,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
£6,000.00
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
Unlimited
|
| Lifetime condition limit |
N/A
|
More Than
Premier £4,000
| Feature | Value |
|---|---|
| Medical excess |
£100.00
|
| Type of cover |
Lifetime, annual
|
| Medical cover limit |
£4,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
£4,000.00
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
Unlimited
|
| Lifetime condition limit |
N/A
|
More Than
Classic £4,000
| Feature | Value |
|---|---|
| Medical excess |
£100.00
|
| Type of cover |
Maximum benefit, condition
|
| Medical cover limit |
£4,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
N/A
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
N/A
|
| Lifetime condition limit |
£4,000.00
|
More Than
Classic £8,000
| Feature | Value |
|---|---|
| Medical excess |
£100.00
|
| Type of cover |
Maximum benefit, condition
|
| Medical cover limit |
£8,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
N/A
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
N/A
|
| Lifetime condition limit |
£8,000.00
|
More Than
Basic £3,000
| Feature | Value |
|---|---|
| Medical excess |
£100.00
|
| Type of cover |
Time-limited
|
| Medical cover limit |
£3,000.00
|
| If renewed, are existing conditions covered? | No |
| Annual policy limit |
N/A
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
£3,000.00
|
| Lifetime condition limit |
N/A
|
More Than
Premier £2,000
| Feature | Value |
|---|---|
| Medical excess |
£100.00
|
| Type of cover |
Lifetime, annual
|
| Medical cover limit |
£2,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
£2,000.00
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
Unlimited
|
| Lifetime condition limit |
N/A
|
More Than
Premier £1,000
| Feature | Value |
|---|---|
| Medical excess |
£100.00
|
| Type of cover |
Lifetime, annual
|
| Medical cover limit |
£1,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
£1,000.00
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
Unlimited
|
| Lifetime condition limit |
N/A
|
More Than
Basic £1,500
| Feature | Value |
|---|---|
| Medical excess |
£100.00
|
| Type of cover |
Time-limited
|
| Medical cover limit |
£1,500.00
|
| If renewed, are existing conditions covered? | No |
| Annual policy limit |
N/A
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
£1,500.00
|
| Lifetime condition limit |
N/A
|
Dog insurance
8 products reviewed
- Premier £6,000
- Premier £4,000
- Classic £8,000
- Classic £4,000
- Premier £1,000
- Basic £3,000
- Premier £2,000
- Basic £1,500
More Than
Premier £6,000
| Feature | Value |
|---|---|
| Medical excess |
£100.00
|
| Type of cover |
Lifetime, annual
|
| Medical cover limit |
£6,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
£6,000.00
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
Unlimited
|
| Lifetime condition limit |
N/A
|
More Than
Premier £4,000
| Feature | Value |
|---|---|
| Medical excess |
£100.00
|
| Type of cover |
Lifetime, annual
|
| Medical cover limit |
£4,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
£4,000.00
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
Unlimited
|
| Lifetime condition limit |
N/A
|
More Than
Classic £8,000
| Feature | Value |
|---|---|
| Medical excess |
£100.00
|
| Type of cover |
Maximum benefit, condition
|
| Medical cover limit |
£8,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
N/A
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
N/A
|
| Lifetime condition limit |
£8,000.00
|
More Than
Classic £4,000
| Feature | Value |
|---|---|
| Medical excess |
£100.00
|
| Type of cover |
Maximum benefit, condition
|
| Medical cover limit |
£4,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
N/A
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
N/A
|
| Lifetime condition limit |
£4,000.00
|
More Than
Premier £1,000
| Feature | Value |
|---|---|
| Medical excess |
£100.00
|
| Type of cover |
Lifetime, annual
|
| Medical cover limit |
£1,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
£1,000.00
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
Unlimited
|
| Lifetime condition limit |
N/A
|
More Than
Basic £3,000
| Feature | Value |
|---|---|
| Medical excess |
£100.00
|
| Type of cover |
Time-limited
|
| Medical cover limit |
£3,000.00
|
| If renewed, are existing conditions covered? | No |
| Annual policy limit |
N/A
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
£3,000.00
|
| Lifetime condition limit |
N/A
|
More Than
Premier £2,000
| Feature | Value |
|---|---|
| Medical excess |
£100.00
|
| Type of cover |
Lifetime, annual
|
| Medical cover limit |
£2,000.00
|
| If renewed, are existing conditions covered? | Yes |
| Annual policy limit |
£2,000.00
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
Unlimited
|
| Lifetime condition limit |
N/A
|
More Than
Basic £1,500
| Feature | Value |
|---|---|
| Medical excess |
£100.00
|
| Type of cover |
Time-limited
|
| Medical cover limit |
£1,500.00
|
| If renewed, are existing conditions covered? | No |
| Annual policy limit |
N/A
|
| Annual condition limit |
N/A
|
| Lifetime policy limit |
£1,500.00
|
| Lifetime condition limit |
N/A
|
Our unique Customer Experience Ratings help consumers find companies that offer a good service.
Home insurance (building and contents)
Ranked 39th of 47 providers reviewed
| Customer happiness score | 51.39% |
|---|---|
| Customer trust score | 43.84% |
| Complaints performance | 61.52% |
| Transparency rating | 79.7% |
|
Fairer Finance Score Reviewed Autumn 2026 |
59.11% |
Pet insurance
Ranked 24th of 29 providers reviewed
| Customer happiness score | 58.59% |
|---|---|
| Customer trust score | 60.62% |
| Complaints performance | 63.21% |
| Transparency rating | 73.01% |
|
Fairer Finance Score Reviewed Autumn 2026 |
63.86% |