More Than

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

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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Gold ribbon: first place

Car insurance

Ranked 19th of 51 providers reviewed.

Customer happiness 57%
Customer trust 48%
Complaints performance 71%
Transparency rating 55%
Fairer Finance score
Reviewed Spring 2019
58%
Gold ribbon: first place

Home insurance

Ranked 23rd of 47 providers reviewed.

Customer happiness 57%
Customer trust 48%
Complaints performance 71%
Transparency rating 55%
Fairer Finance score
Reviewed Spring 2019
58%

Pet insurance

Ranked 12th of 19 providers reviewed.

Customer happiness 52%
Customer trust 47%
Complaints performance 71%
Transparency rating 54%
Fairer Finance score
Reviewed Spring 2019
56%

Travel insurance

Ranked 33rd of 59 providers reviewed.

Customer happiness 43%
Customer trust 40%
Complaints performance 66%
Transparency rating 54%
Fairer Finance score
Reviewed Spring 2019
51%

Car insurance

More Than

Car Insurance (with guaranteed hire car cover)

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

More Than

Car Insurance

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

More Than

Smart Wheels

3 stars
Cover for keys/locks if lost i £0
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £10
Windscreen replacement excess i £75
Cover for keys/locks if stolen i Unlimited
Cover for replacing original audio/visual equipment i £100
24hr helpline available i
Repairs guarantee (years) i Lifetime
Courtesy car provided if stolen / total loss i Optional

Home insurance

More Than

Home Choice Insurance (Primary Cover)

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

More Than

Home Choice Insurance (Upgraded Cover)

3 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings i £3,000
24hr helpline i
Alternative accommodation i £100,000
Cover for keys/locks if lost i £1,000
Money in the home i £500
New for old i

Buildings insurance

More Than

Home Choice Insurance (Upgraded Cover)

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

More Than

Home Choice Insurance (Primary Cover)

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

Contents insurance

More Than

Home Choice Insurance (Primary Cover)

3 stars
Theft from outbuildings i £3,000
Matching sets i
Cover for keys/locks if lost i £1,000
Cycles included whilst in the home i Part of sum insured
New for old i
Alternative accomodation i £15,000
Money in the home i £500
Cover for keys/locks if stolen i £1,000
24hr helpline i

More Than

Home Choice Insurance (Upgraded Cover)

3 stars
Theft from outbuildings i £3,000
Matching sets i
Cover for keys/locks if lost i £1,000
Cycles included whilst in the home i Part of sum insured
New for old i
Alternative accomodation i £15,000
Money in the home i £500
Cover for keys/locks 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 (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 £12,000
Euthanasia i £200
Cremation i £200
Complementary treatment i £1,500
Age compulsory excess changes i 9 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

More Than

Premier £4,000

4 stars
If renewed, are existing conditions covered? i
Vet fees (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 £4,000
Euthanasia i £200
Cremation i £200
Complementary treatment i £1,500
Age compulsory excess changes i 9 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

More Than

Classic £4,000

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £4,000
Dental cover (if due to an accident) i £0
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 i Optional
Cremation i Optional
Complementary treatment i £1,000
Age compulsory excess changes i 9 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

More Than

Classic £8,000

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £8,000
Dental cover (if due to an accident) i £0
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 i Optional
Cremation i Optional
Complementary treatment i £1,000
Age compulsory excess changes i 9 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

More Than

Basic £3,000

2 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £3,000
Dental cover (if due to an accident) i £0
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 i Optional
Cremation i Optional
Complementary treatment i £500
Age compulsory excess changes i 9 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

More Than

Basic £1,500

2 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £1,500
Dental cover (if due to an accident) i £0
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 i Optional
Cremation i Optional
Complementary treatment i £500
Age compulsory excess changes i 9 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

More Than

Accident Only

1 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,500
Dental cover (if due to an accident) i £0
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 i Optional
Cremation i Optional
Complementary treatment i £0
Age compulsory excess changes i 9 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

Dog insurance

More Than

Premier £12,000

5 stars
If renewed, are existing conditions covered? i
Vet fees (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 £12,000
Euthanasia i £200
Cremation i £200
Complementary treatment i £1,500
Age compulsory excess changes i 9 years
Amendment fee i £0

More Than

Premier £4,000

4 stars
If renewed, are existing conditions covered? i
Vet fees (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 £4,000
Euthanasia i £200
Cremation i £200
Complementary treatment i £1,500
Age compulsory excess changes i 9 years
Amendment fee i £0

More Than

Classic £4,000

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £4,000
Dental cover (if due to an accident) i £0
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 i Optional
Cremation i Optional
Complementary treatment i £1,000
Age compulsory excess changes i 9 years
Amendment fee i £0

More Than

Classic £8,000

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £8,000
Dental cover (if due to an accident) i £0
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 i Optional
Cremation i Optional
Complementary treatment i £1,000
Age compulsory excess changes i 9 years
Amendment fee i £0

More Than

Basic £3,000

2 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £3,000
Dental cover (if due to an accident) i £0
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 i Optional
Cremation i Optional
Complementary treatment i £500
Age compulsory excess changes i 9 years
Amendment fee i £0

More Than

Basic £1,500

2 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £1,500
Dental cover (if due to an accident) i £0
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 i Optional
Cremation i Optional
Complementary treatment i £500
Age compulsory excess changes i 9 years
Amendment fee i £0

More Than

Accident Only

1 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,500
Dental cover (if due to an accident) i £0
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 i Optional
Cremation i Optional
Complementary treatment i £0
Age compulsory excess changes i 9 years
Amendment fee i £0

Travel insurance

Annual multi-trip insurance

More Than

Standard (Money Supermarket)

4 stars
Medical excess i £95
Cancelling before travel i £1,500
Personal possessions & baggage - damaged, lost or stolen i £2,000
Max trip duration i 32 days
Emergency medical cover and repatriation i £12,500,000
Cutting trip short/curtailment i £1,500
Abandoning your trip i £1,500
Lost or stolen cash i £300
Combined passport & travel i £300
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

More Than

Super (Money Supermarket)

4 stars
Medical excess i £70
Cancelling before travel i £3,000
Personal possessions & baggage - damaged, lost or stolen i £2,500
Max trip duration i 45 days
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £3,000
Abandoning your trip i £3,000
Lost or stolen cash i £400
Combined passport & travel i £300
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

More Than

Classic Plus (Comparison Site)

4 stars
Medical excess i £95
Cancelling before travel i £1,500
Personal possessions & baggage - damaged, lost or stolen i £2,000
Max trip duration i 32 days
Emergency medical cover and repatriation i £12,500,000
Cutting trip short/curtailment i £1,500
Abandoning your trip i £1,500
Lost or stolen cash i £300
Combined passport & travel i £300
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

More Than

Premier (Comparison Site)

4 stars
Medical excess i £95
Cancelling before travel i £3,000
Personal possessions & baggage - damaged, lost or stolen i £2,500
Max trip duration i 45 days
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £3,000
Abandoning your trip i £3,000
Lost or stolen cash i £400
Combined passport & travel i £300
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

More Than

Gold

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

More Than

Diamond

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

More Than

Silver

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

More Than

Economy (Money Supermarket)

2 stars
Medical excess i £125
Cancelling before travel i £1,000
Personal possessions & baggage - damaged, lost or stolen i £1,000
Max trip duration i 22 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Abandoning your trip i £1,000
Lost or stolen cash i £200
Combined passport & travel i £100
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

More Than

Classic (Comparison Site)

2 stars
Medical excess i £250
Cancelling before travel i £1,000
Personal possessions & baggage - damaged, lost or stolen i £1,000
Max trip duration i 22 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Abandoning your trip i £1,000
Lost or stolen cash i £200
Combined passport & travel i £100
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Single trip insurance

More Than

Standard (Money Supermarket)

4 stars
Medical excess i £95
Cancelling before travel i £1,500
Personal possessions and baggage - damaged, lost or stolen i £2,000
Emergency medical cover and repatriation i £12,500,000
Cutting trip short/curtailment i £1,500
Missed departure i £500
Abandoning your trip i £1,500
Lost or stolen cash i £300
Combined passport & travel i £300

More Than

Super (Money Supermarket)

4 stars
Medical excess i £70
Cancelling before travel i £3,000
Personal possessions and baggage - damaged, lost or stolen i £2,500
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £3,000
Missed departure i £1,000
Abandoning your trip i £3,000
Lost or stolen cash i £400
Combined passport & travel i £300

More Than

Classic Plus (Comparison Site)

4 stars
Medical excess i £95
Cancelling before travel i £1,500
Personal possessions and baggage - damaged, lost or stolen i £2,000
Emergency medical cover and repatriation i £12,500,000
Cutting trip short/curtailment i £1,500
Missed departure i £500
Abandoning your trip i £1,500
Lost or stolen cash i £300
Combined passport & travel i £300

More Than

Premier (Comparison Site)

4 stars
Medical excess i £95
Cancelling before travel i £3,000
Personal possessions and baggage - damaged, lost or stolen i £2,500
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £3,000
Missed departure i £1,000
Abandoning your trip i £3,000
Lost or stolen cash i £400
Combined passport & travel i £300

More Than

Gold

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

More Than

Diamond

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

More Than

Silver

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

More Than

Economy (Money Supermarket)

2 stars
Medical excess i £125
Cancelling before travel i £1,000
Personal possessions and baggage - damaged, lost or stolen i £1,000
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Missed departure i £150
Abandoning your trip i £1,000
Lost or stolen cash i £200
Combined passport & travel i £100

More Than

Classic (Comparison Site)

2 stars
Medical excess i £250
Cancelling before travel i £1,000
Personal possessions and baggage - damaged, lost or stolen i £1,000
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Missed departure i £150
Abandoning your trip i £1,000
Lost or stolen cash i £200
Combined passport & travel i £100

Travel insurance add-ons

Cruise add-on

More Than

Silver

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

More Than

Gold

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

More Than

Diamond

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

More Than

Economy (Money Supermarket)

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

More Than

Standard (Money Supermarket)

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

More Than

Super (Money Supermarket)

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

More Than

Classic (Comparison Site)

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

More Than

Classic Plus (Comparison Site)

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

More Than

Premier (Comparison Site)

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

Winter sports add-on

More Than

Diamond

5 stars
Ski equipment owned i £1,000
Single item limit for owned equipment i £500
Hiring replacement winter sports equipment i £500
Ski equipment owned excess i £40
Ski equipment hired i £400
Single item limit for hired equipment i £400
Avalanche closure i £500
Piste closure i £500
Unused ski pass due to illness or injury i £500

More Than

Gold

4 stars
Ski equipment owned i £750
Single item limit for owned equipment i £375
Hiring replacement winter sports equipment i £400
Ski equipment owned excess i £60
Ski equipment hired i £200
Single item limit for hired equipment i £200
Avalanche closure i £400
Piste closure i £400
Unused ski pass due to illness or injury i £400

More Than

Super (Money Supermarket)

4 stars
Ski equipment owned i £1,000
Single item limit for owned equipment i £500
Hiring replacement winter sports equipment i £500
Ski equipment owned excess i £70
Ski equipment hired i £400
Single item limit for hired equipment i £400
Avalanche closure i £500
Piste closure i £500
Unused ski pass due to illness or injury i £500

More Than

Premier (Comparison Site)

4 stars
Ski equipment owned i £1,000
Single item limit for owned equipment i £500
Hiring replacement winter sports equipment i £500
Ski equipment owned excess i £70
Ski equipment hired i £400
Single item limit for hired equipment i £400
Avalanche closure i £500
Piste closure i £500
Unused ski pass due to illness or injury i £500

More Than

Standard (Money Supermarket)

3 stars
Ski equipment owned i £750
Single item limit for owned equipment i £375
Hiring replacement winter sports equipment i £400
Ski equipment owned excess i £95
Ski equipment hired i £200
Single item limit for hired equipment i £200
Avalanche closure i £400
Piste closure i £400
Unused ski pass due to illness or injury i £400

More Than

Classic Plus (Comparison Site)

3 stars
Ski equipment owned i £750
Single item limit for owned equipment i £375
Hiring replacement winter sports equipment i £400
Ski equipment owned excess i £95
Ski equipment hired i £200
Single item limit for hired equipment i £200
Avalanche closure i £400
Piste closure i £400
Unused ski pass due to illness or injury i £400

More Than

Silver

2 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £250
Ski equipment owned excess i £100
Ski equipment hired i £150
Single item limit for hired equipment i £150
Avalanche closure i £250
Piste closure i £250
Unused ski pass due to illness or injury i £250

More Than

Economy (Money Supermarket)

2 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £250
Ski equipment owned excess i £125
Ski equipment hired i £150
Single item limit for hired equipment i £150
Avalanche closure i £250
Piste closure i £250
Unused ski pass due to illness or injury i £250

More Than

Classic (Comparison Site)

2 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £250
Ski equipment owned excess i £125
Ski equipment hired i £150
Single item limit for hired equipment i £150
Avalanche closure i £250
Piste closure i £250
Unused ski pass due to illness or injury i £250