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Note: This is a notice from More Than: "MORE THAN will stop offering car insurance as part of our product range to new or renewing customers later in 2023." So, you can still buy a More Than policy for now, as of the date of writing, but it sounds like More Than are stepping away from car insurance going forward. Personally, we would not want to buy insurance from a company that is ending cover but you may feel differently. We are keeping this review up for historical purposes.
Wondering if More Than car insurance is a good choice? Read our review to find out if More Than is missing any important features and learn how existing policyholders review their customer service.
In This Review
- More Than Car Insurance: Overall Review
- Customer Reviews and Ratings
- Cost Comparison
- Phone numbers and policy documents
More Than Car Insurance Overall Review
More Than car insurance offers a few different plans with different features to suit different needs and budgets, and has quite respectable customer reviews, so it's definitely worth checking prices to see if you can get a good deal from them. Before you do that, though, here are some insights from us about their offering and how it compares to the market.
First, here are the different types/tiers of car insurance on offer from More Than, and what makes them different:
- More Than Essentials. Their most basic comprehensive car insurance plan. Breakdown and motor legal are optional extras.
- More Than. Their standard comprehensive car insurance plan, like Essentials but with wrong fuel cover, an uninsured driver promise and personal belongings cover. Breakdown and motor legal are still optional extras (costing from £45 and £28.50 per year, respectively).
- More Than Extra. Their top tier comprehensive car insurance plan, like the standard plan but with breakdown and motor legal included.
- SMART WHEELS. Young driver's insurance for those aged 17 - 24. Includes a black box that is professionally fitted to your car so your driving can be tracked, which you can access via the online dashboard and app.
- LOW MILER. Low mileage insurance for those driving less than 7,000 miles per year (only drivers aged 25+).
In addition to a good variety of features and customer satisfaction, More Than offers a robust online customer portal through which you can manage your account and even make some changes for free, such as changing your address—these changes would normally cost you £25 to make over the phone. (We should note, however, than anytime you make a change your risk profile changes, and your premium might go up as a result—admin charges, if there are any, are separate to this premium difference. So just because there's no admin charge for an online change doesn't mean you won't need to pay something for the change.)
We took a look at the comprehensive More Than policies through available through their website and found they offer most "must have" categories as set out by the Money Advice Service. One slight difference between More Than policies and others in the market is that you need to pay an extra premium to extend your cover to the EU—most big insurance companies include 30 to 90 days as standard. If you're not planning any road trips abroad, however, this won't affect you and the fact that it's not included as standard might mean your premium is slightly lower as a result.
|How Good is More Than Car Insurance?||Does More Than ESSENTIALS Deliver?||More Than ESSENTIALS Comprehensive Coverage||Does More Than Deliver?||More Than Comprehensive Coverage||Does More Than EXTRA Deliver?||More Than EXTRA Comprehensive Coverage|
|"Must Have" Features|
|Belongings||None||Up to £250||Up to £250|
|Keys||Up to market value of car, for loss or theft||Up to market value of car, for loss or theft||Up to market value of car, for loss or theft|
|Protected NCD||If you buy the add on||If you buy the add on||If you buy the add on|
|Car recovery after accident||Included||Included||Included|
|Courtesy car (repairs)||Included||Included||Included|
|Repairs guaranteed (if use approved repairer)||As long as you own the car||As long as you own the car||As long as you own the car|
|"Should Have" Features|
|New car replacement||If damage repair will cost more than 60% of the value of the car at the time||If damage repair will cost more than 60% of the value of the car at the time||If damage repair will cost more than 60% of the value of the car at the time|
|Stereo and satellite nav||Included||Included||Included|
|Alternative transport & Hotel after accident||Onward travel included (more cover with breakdown)||Onward travel included (more cover with breakdown)||Onward travel included (more cover with breakdown)|
|24-hour emergency helpline||Included||Included||Included|
|Courtesy car (total loss or theft)||If you buy the add on||If you buy the add on||If you buy the add on|
|Motor legal expenses||If you buy the add on||If you buy the add on||Included|
|Breakdown cover||If you buy the add on||If you buy the add on||Included|
|"Could Have" Features|
|Same cover in EU||If you buy the add on||If you buy the add on||If you buy the add on|
|Child car seat replacement after accident, theft, fire||Included||Included||Included|
|Larger/premium courtesy car||Not available||Not available||Not available|
|Uninsured driver NCD protection||Not available||Included||Included|
|Cancellation fee||£0 during the 14-day cooling off period; £50 after cooling off period||£0 during the 14-day cooling off period; £50 after cooling off period||£0 during the 14-day cooling off period; £50 after cooling off period|
Does More Than do delivery driver insurance?
No, More Than does not cover delivery driving, but More Than policyholders might be able to work as a paid delivery driver or courier IF they get permission from More Than to buy top-up Hire & Reward cover. Read more about that in our article Does More Than do delivery insurance?
More Than Car Insurance Customer Service Reviews and Ratings
Over 14,000 customers have reviewed More Than insurance at Trustpilot and given the company 4.0 out of 5 stars. On Reviews.co.uk, close to 1,500 customers have rated More Than with 4.2 stars, an even higher score. 16% of customers gave More Than just 1 star on Trustpilot, with complaints ranging from long claims resolution times to higher renewal prices to difficulties with a black box in a car (e.g., trips taking a day or two to register, which can affect available mileage on a telematics plan).
|More Than Ratings & Customer Reviews|
|Trustpilot customer service rating||4.1 out of 5|
Cancellation & Admin Fees
More Than charges a cancellation fee whether a policyholder cancels after the 14-day cooling off period, but they have removed the fee for cancellation fees during the cooling off period, which we're glad to see. As for other changes to your policy, generally speaking you'll pay £25 to make a change such as changing your car or address (plus any additional premium required, of course) but some changes can be made online for free.
|More Than Cancellation and Administration Fees|
|Cancellation (within 14-day cooling off period)||£0|
|Cancellation (after 14-day cooling off period)||£50|
|Change of address, driver details, car or overnight location||£25 (free online)|
Important More Than Car Insurance Phone Numbers
Customers can reach More Than customer service 7 days a week, plus there's online webchat feature. Customer service lines are open Monday to Friday from 8am to 8pm, Saturdays from 9am to 5pm and Sunday from 9am to 4pm. Claims can be made online as well as over the phone.
|Diamond Car Insurance Contact Numbers|
|Customer Services||0330 100 0593|
|Claims (M-F 8am-8pm and Saturday 8am-4pm)||0800 300 252|
|Glass||0800 731 3172|
|24 Hour Helplines|
|Roadside emergency (following an insured incident)||0800 300 252|
Before signing up, have a read through the More Than car insurance policy documents to see the full exclusions and understand what is covered in detail.
Other Car Insurance Reviews
If you'd like to compare More Than car insurance to other options in the market, see some of our other car insurance reviews below: