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

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

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%