Note: This is a notice from More Than: "From 1 September 2023, MORE THAN no longer offers car insurance to new or renewing customers." 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:

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
Windscreen		Included		Included		Included
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).

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.

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.

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.

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: