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 40th of 52 providers reviewed.

Customer happiness 57.07%
Customer trust 47.6%
Complaints performance 60.07%
Transparency rating 64.96%
Fairer Finance score
Reviewed Autumn 2020
57%

Home insurance (building and contents)

Ranked 44th of 51 providers reviewed.

Customer happiness 54.97%
Customer trust 49.48%
Complaints performance 59.07%
Transparency rating 62.4%
Fairer Finance score
Reviewed Autumn 2020
56%

Pet insurance

Ranked 18th of 28 providers reviewed.

Customer happiness 52%
Customer trust 52%
Complaints performance 59%
Transparency rating 63%
Fairer Finance score
Reviewed Autumn 2020
57%

Car insurance

More Than

Car Insurance (with guaranteed hire car cover)

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

More Than

Car Insurance

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

Home insurance (building and contents)

More Than

Home Choice Insurance (Upgraded Cover)

4 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings cover limit i £3,000
24hr helpline i
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

More Than

Home Choice Insurance (Primary Cover)

3 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings cover limit i £3,000
24hr helpline i
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

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
Property owner liability i £1,000,000
24hr helpline i

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
Property owner liability i £1,000,000
24hr helpline i

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
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £4,000
Dental cover (if due to an accident) i £2,000
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
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £4,000
Dental cover (if due to an accident) i £4,000
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
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £8,000
Dental cover (if due to an accident) i £8,000
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
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £1,000
Dental cover (if due to an accident) i £1,000
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
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
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
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £1,500
Dental cover (if due to an accident) i £1,500
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
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £2,500
Dental cover (if due to an accident) i £2,500
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
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £4,000
Dental cover (if due to an accident) i £2,000
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
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £4,000
Dental cover (if due to an accident) i £4,000
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
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £8,000
Dental cover (if due to an accident) i £8,000
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
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £1,000
Dental cover (if due to an accident) i £1,000
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
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
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
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £1,500
Dental cover (if due to an accident) i £1,500
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
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £2,500
Dental cover (if due to an accident) i £2,500
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

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
Ski equipment owned excess i £40
Ski equipment hired i £400
Single item limit for hired equipment i £400
Avalanche closure cover limit i £500
Piste closure cover limit i £500
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
Ski equipment owned excess i £60
Ski equipment hired i £200
Single item limit for hired equipment i £200
Avalanche closure cover limit i £400
Piste closure cover limit i £400
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
Ski equipment owned excess i £100
Ski equipment hired i £150
Single item limit for hired equipment i £150
Avalanche closure cover limit i £250
Piste closure cover limit i £250
Unused ski pass due to illness or injury i £250