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.

As of June 2021, RSA businesses are owned by a consortium of Canadian firm Intact Financial Corporation, and Danish business Tryg A/S.

More Than
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Car insurance

Ranked 43rd of 53 providers reviewed.

Customer happiness 58.85%
Customer trust 52.69%
Complaints performance 70.77%
Transparency rating 59.05%
Fairer Finance score
Reviewed Spring 2022
60%

Home Emergency Cover

Ranked 15th of 16 providers reviewed.

Customer happiness 54.32%
Customer trust 47.53%
Complaints performance 70.64%
Transparency rating 61%
Fairer Finance score
Reviewed Spring 2022
58%

Home insurance (building and contents)

Ranked 34th of 49 providers reviewed.

Customer happiness 53.57%
Customer trust 47.97%
Complaints performance 70.64%
Transparency rating 77.04%
Fairer Finance score
Reviewed Spring 2022
62%

Pet insurance

Ranked 15th of 28 providers reviewed.

Customer happiness 59.23%
Customer trust 53.59%
Complaints performance 70.65%
Transparency rating 73.79%
Fairer Finance score
Reviewed Spring 2022
64%

Car insurance

More Than

Extra Car Insurance

5 stars
Cover limit for lost keys i £1,000.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £10.00
Windscreen replacement excess i £75.00
Repairs guarantee (years) i Lifetime
New car replacement i
Cover limit for stolen keys i £1,000.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

More Than

Essential Car Insurance

4 stars
Cover limit for lost keys i £1,000.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £10.00
Windscreen replacement excess i £75.00
Repairs guarantee (years) i Lifetime
New car replacement i
Cover limit for stolen keys i £1,000.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

More Than

Car Insurance

4 stars
Cover limit for lost keys i £1,000.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £10.00
Windscreen replacement excess i £75.00
Repairs guarantee (years) i Lifetime
New car replacement i
New car replacement i
Cover limit for stolen keys i £1,000.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Telematics Car Insurance

More Than

Smart Wheels

4 stars
Cover limit for lost keys i £0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Self-installed or engineer-installed box? i Engineer
Is device removal mandatory at the end of the contract? i
Is there a set mileage limit?
Can you top up your miles if the limit is exceeded?
Is there an excessive speeding restriction?
Can your insurance be cancelled due to a poor driving score?
Can premiums increase due to driving score?
Digital capability i
Underwriter RSA
Cover limit for stolen keys i Unlimited
Storage after accident i
Cover for replacing original audio/visual equipment i Unlimited
New car replacement i
Legal cover for manslaughter defence i
Vermin & insects i
Misfuelling i
24hr helpline available i

Home insurance (building and contents)

More Than

Home Choice Insurance (Primary Cover)

2 stars
Matching sets (Contents) i
Theft from outbuildings cover limit i £3,000.00
Escape of water excess i £350.00
Garden plants i
Alternative accommodation cover limit for contents i £15,000.00
Alternative accommodation cover limit for buildings i £30,000.00
Cover for keys if lost i £1,000.00
Money in the home i £500.00
Replace belongings new for old i
24hr helpline i
Dual Contents i

More Than

Home Choice Insurance (Upgraded Cover)

2 stars
Matching sets (Contents) i
Theft from outbuildings cover limit i £3,000.00
Escape of water excess i £350.00
Garden plants i
Alternative accommodation cover limit for contents i £15,000.00
Alternative accommodation cover limit for buildings i £30,000.00
Cover for keys if lost i £1,000.00
Money in the home i £500.00
Replace belongings new for old i
24hr helpline i
Dual Contents i

Buildings insurance

More Than

Home Choice Insurance (Primary Cover)

3 stars
Trace and Access i £5,000.00
Cover for keys if lost i £1,000.00
Matching sets i
Rainfall (mm) i Not Defined
Alternative accommodation cover limit i £30,000.00
Cover for keys if stolen i £1,000.00
Compulsory excess i £50.00
Escape of water excess i £400.00
24hr helpline i
Property owner liability i £1,000,000.00

More Than

Home Choice Insurance (Upgraded Cover)

3 stars
Trace and Access i £5,000.00
Cover for keys if lost i £1,000.00
Matching sets i
Rainfall (mm) i Not Defined
Alternative accommodation cover limit i £30,000.00
Cover for keys if stolen i £1,000.00
Compulsory excess i £50.00
Escape of water excess i £400.00
24hr helpline i
Property owner liability i £1,000,000.00

Contents insurance

More Than

Home Choice Insurance (Upgraded Cover)

4 stars
Matching sets i
Cover for keys if lost i £1,000.00
Theft from outbuildings cover limit i £3,000.00
Cycles included whilst in the home i Part of sum insured
Replace belongings new for old i
Cover for keys if stolen i £1,000.00
Money in the home i £500.00
Alternative accommodation cover limit i £15,000.00
24hr helpline i

More Than

Home Choice Insurance (Primary Cover)

3 stars
Matching sets i
Cover for keys if lost i £1,000.00
Theft from outbuildings cover limit i £3,000.00
Cycles included whilst in the home i Part of sum insured
Replace belongings new for old i
Cover for keys if stolen i £1,000.00
Money in the home i £500.00
Alternative accommodation cover limit i £15,000.00
24hr helpline i

Pet insurance

Cat insurance

More Than

Premier £12,000

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £12,000.00
Medical excess i £100.00
Annual policy limit i £12,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £4,000.00
CT scans i £4,000.00
MRI scans i £4,000.00
Prescription diet (treatment of bladder stones only) i £500.00
Complementary treatment i £1,500.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £2,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £2,000.00
Holiday cover i £12,000.00
Quarantine costs cover i £1,000.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £1,000.00
Maximum number of days abroad i 60 days
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

More Than

Premier £4,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £4,000.00
Medical excess i £100.00
Annual policy limit i £4,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £1,000.00
Cruciate ligament damage i £1,000.00
CT scans i £1,000.00
MRI scans i £1,000.00
Prescription diet (treatment of bladder stones only) i £500.00
Complementary treatment i £1,500.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £2,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £2,000.00
Holiday cover i £4,000.00
Quarantine costs cover i £1,000.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £1,000.00
Maximum number of days abroad i 60 days
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

More Than

Classic £4,000

4 stars
Type of cover i Maximum benefit, condition
Medical cover limit i £4,000.00
Medical excess i £100.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £4,000.00
Dental cover (if due to an accident) i £4,000.00
Cruciate ligament damage i £4,000.00
CT scans i £4,000.00
MRI scans i £4,000.00
Prescription diet (treatment of bladder stones only) i £4,000.00
Complementary treatment i £1,000.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £1,000.00
Euthanasia cover limit i Optional
Cremation i Optional
Holiday cancellation i £2,000.00
Holiday cover i £4,000.00
Quarantine costs cover i £1,000.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £1,000.00
Maximum number of days abroad i 60 days
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

More Than

Classic £8,000

4 stars
Type of cover i Maximum benefit, condition
Medical cover limit i £8,000.00
Medical excess i £100.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £8,000.00
Dental cover (if due to an accident) i £8,000.00
Cruciate ligament damage i £8,000.00
CT scans i £8,000.00
MRI scans i £8,000.00
Prescription diet (treatment of bladder stones only) i £8,000.00
Complementary treatment i £1,000.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £1,000.00
Euthanasia cover limit i Optional
Cremation i Optional
Holiday cancellation i £2,000.00
Holiday cover i £8,000.00
Quarantine costs cover i £1,000.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £1,000.00
Maximum number of days abroad i 60 days
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

More Than

Basic £3,000

3 stars
Type of cover i Time-limited
Medical cover limit i £3,000.00
Medical excess i £100.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i £3,000.00
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescription diet (treatment of bladder stones only) i £3,000.00
Complementary treatment i £500.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £500.00
Euthanasia cover limit i Optional
Cremation i Optional
Holiday cancellation i Optional
Holiday cover i Optional
Quarantine costs cover i Optional
Loss of PETS passport or other travel documents i Optional
Emergency expenses abroad i Optional
Maximum number of days abroad i 60 days
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

More Than

Basic £1,500

2 stars
Type of cover i Time-limited
Medical cover limit i £1,500.00
Medical excess i £100.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i £1,500.00
Lifetime condition limit i
Dental cover (if due to an accident) i £1,500.00
Cruciate ligament damage i £1,500.00
CT scans i £1,500.00
MRI scans i £1,500.00
Prescription diet (treatment of bladder stones only) i £1,500.00
Complementary treatment i £500.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £500.00
Euthanasia cover limit i Optional
Cremation i Optional
Holiday cancellation i Optional
Holiday cover i Optional
Quarantine costs cover i Optional
Loss of PETS passport or other travel documents i Optional
Emergency expenses abroad i Optional
Maximum number of days abroad i 60 days
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

More Than

Accident Only

1 stars
Type of cover i Accident-only
Medical cover limit i £2,500.00
Medical excess i £100.00
Annual policy limit i
Annual condition limit i £2,500.00
Lifetime policy limit i
Lifetime condition limit i
Dental cover (if due to an accident) i £2,500.00
Cruciate ligament damage i £0.00
CT scans i £2,500.00
MRI scans i £2,500.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £0.00
Boarding fees limit i £0.00
Death benefit (illness) i £0.00
Euthanasia cover limit i Optional
Cremation i Optional
Holiday cancellation i £0.00
Holiday cover i £0.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Dog insurance

More Than

Premier £12,000

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £12,000.00
Medical excess i £100.00
Annual policy limit i £12,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £4,000.00
CT scans i £4,000.00
MRI scans i £4,000.00
Prescription diet (treatment of bladder stones only) i £500.00
Complementary treatment i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i £2,000.00
Holiday cover i £12,000.00
If renewed, are existing conditions covered? i

More Than

Premier £4,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £4,000.00
Medical excess i £100.00
Annual policy limit i £4,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £1,000.00
Cruciate ligament damage i £1,000.00
CT scans i £1,000.00
MRI scans i £1,000.00
Prescription diet (treatment of bladder stones only) i £500.00
Complementary treatment i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i £2,000.00
Holiday cover i £4,000.00
If renewed, are existing conditions covered? i

More Than

Classic £4,000

4 stars
Type of cover i Maximum benefit, condition
Medical cover limit i £4,000.00
Medical excess i £100.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i 4,000
Dental cover (if due to an accident) i £4,000.00
Cruciate ligament damage i £4,000.00
CT scans i £4,000.00
MRI scans i £4,000.00
Prescription diet (treatment of bladder stones only) i £4,000.00
Complementary treatment i £1,000.00
Euthanasia cover limit i Optional
Cremation i Optional
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i £2,000.00
Holiday cover i £4,000.00
If renewed, are existing conditions covered? i

More Than

Classic £8,000

4 stars
Type of cover i Maximum benefit, condition
Medical cover limit i £8,000.00
Medical excess i £100.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i 8,000
Dental cover (if due to an accident) i £8,000.00
Cruciate ligament damage i £8,000.00
CT scans i £8,000.00
MRI scans i £8,000.00
Prescription diet (treatment of bladder stones only) i £8,000.00
Complementary treatment i £1,000.00
Euthanasia cover limit i Optional
Cremation i Optional
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i £2,000.00
Holiday cover i £8,000.00
If renewed, are existing conditions covered? i

More Than

Basic £3,000

3 stars
Type of cover i Time-limited
Medical cover limit i £3,000.00
Medical excess i £100.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i 3,000
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescription diet (treatment of bladder stones only) i £3,000.00
Complementary treatment i £500.00
Euthanasia cover limit i Optional
Cremation i Optional
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i Optional
Holiday cover i Optional
If renewed, are existing conditions covered? i

More Than

Basic £1,500

2 stars
Type of cover i Time-limited
Medical cover limit i £1,500.00
Medical excess i £100.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i 1,500
Lifetime condition limit i
Dental cover (if due to an accident) i £1,500.00
Cruciate ligament damage i £1,500.00
CT scans i £1,500.00
MRI scans i £1,500.00
Prescription diet (treatment of bladder stones only) i £1,500.00
Complementary treatment i £500.00
Euthanasia cover limit i Optional
Cremation i Optional
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i Optional
Holiday cover i Optional
If renewed, are existing conditions covered? i

More Than

Accident Only

1 stars
Type of cover i Accident-only
Medical cover limit i £2,500.00
Medical excess i £100.00
Annual policy limit i
Annual condition limit i £2,500.00
Lifetime policy limit i
Lifetime condition limit i
Dental cover (if due to an accident) i £2,500.00
Cruciate ligament damage i £0.00
CT scans i £2,500.00
MRI scans i £2,500.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £0.00
Euthanasia cover limit i Optional
Cremation i Optional
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £0.00
If renewed, are existing conditions covered? i