More Than Car Insurance Review: The Best Cover for You?

More Than Car Insurance Review: The Best Cover for You?

Attractive features and customer reviews, but beware of cancellation charges even during the 14-day cooling-off period

Good for

  • Must have features
  • 5 star defaqto rating
  • Very good customer reviews
  • Customer service open 7 days a week

Bad for

  • Higher cancellation fees

Editor's Rating

4.0/5.0

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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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

More Than car insurance offers a solid set of features and has quite respectable customer reviews, so it's definitely worth checking prices to see if you can get a good deal from them.

In addition to 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 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. But 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?A Good Policy IncludesDoes More Than Deliver?More Than Comprehensive Coverage
"Must Have" Features
WindscreenFull repair or replacement
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Included
Belongings£200+
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Up to £250
Keys£300+
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Up to £1,000
Protected NCD2 times in 3 years (standard or optional extra)
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If you buy the add on
Car recovery after accidentIncluded
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Included
Courtesy car (repairs)Minimum 14 days
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Included
Repairs guaranteed (if use approved repairer)12-month guarantee
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Lifetime guarantee
"Should Have" Features
New car replacementTheft or damage at least 60% of list price; cars up to 12 months old; first owner
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If damage repair will cost more than 60% of the value of the car at the time
Stereo and satellite navMarket value for manufactur fitted
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Included
Alternative transport & Hotel after accident£250+
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Onward travel included
24-hour emergency helplineStandard
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Included
Courtesy car (total loss or theft)Standard or add-on extra
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If you buy the add on (max 28 days)
Motor legal expensesStandard or add-on extra
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If you buy the add on
Breakdown coverStandard or add-on extra
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If you buy the add on
"Could Have" Features
Same cover in EUStandard or add-on extra
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If you buy the add on
Child car seat replacement after accident, theft, fireIdeally replaced even if no visible damage
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Included
Larger/premium courtesy carStandard or add-on extra
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Not available
No fault NCD protectionStandard
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Not available
Uninsured driver NCD protectionStandard
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Included
Cancellation feeNo more than £50
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£25 during the 14-day cooling off period; £50 after cooling off period

More Than Car Insurance Customer Service Reviews and Ratings

Close to 8,000 customers have reviewed More Than insurance at Trustpilot and given the company 4.1 out of 5 stars. On Reviews.co.uk, customers have rated More Than with 4.3 stars, an even higher score. That said, one out of 5 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 receives 5 stars from Defaqto for features.

More Than Ratings & Customer Reviews
Trustpilot customer service rating4.1 out of 5
Reviews.co.uk4.3
Defaqto5 stars

Cancellation & Admin Fees

More Than charges a cancellation fee whether they cancel after or even during the 14-day cooling off period. 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)£25
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 Services0330 100 0593
Claims (M-F 8am-8pm and Saturday 8am-4pm)0800 300 252
Glass0800 731 3172
24 Hour Helplines
Roadside emergency (following an insured incident)0800 300 252

Policy Documents

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.

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