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More Than car insurance review

Read Which?'s expert review of More Than car insurance. Find out how we rate More Than's car insurance policy against 30 other providers. 

In this article
More Than car insurance overview More Than's car insurance policy: is it good or bad?
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More Than car insurance overview

More Than was established in 2001 and offers comprehensive car insurance policies. There is no upper age limit for customers and policies are underwritten by Royal & Sun Alliance Insurance.

What you need to know about the More Than car insurance policy:

  • 24/7 emergency assistance
  • Courtesy car as standard
  • Cover for driving abroad

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Car Insurance
More Than review
Overall Which? score
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score.
Which? customer score
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Policy score
Which?'s rating of the quality of this company's car insurance policy. We analysed 58 features of its cover to calculate the policy score.
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More Than's car insurance policy: is it good or bad?

We analyse and rate the 58 most important elements of standard car insurance policies to come up with the overall policy score. We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weight it accordingly when calculating our total policy score. 

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.

Table last updated in January 2019. Next updated in January 2020.

Policy element Rating Details
Interest charged on payment by instalments (APR)

3 out of 5

No fault no claims discount (NCD) benefit?

5 out of 5

Uninsured driver NCD benefit?

5 out of 5

Renewal fee Logged out score No fee
NCD protection claims (number per year) Logged out score Unlimited
Theft of keys limit Logged out score £1,000
Fire excess (standard compulsory) Logged out score £100
Theft excess (standard compulsory) Logged out score £100
Accidental damage excess (standard compulsory) Logged out score £100

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