More Than was established in 2001 and offers comprehensive car insurance policies under the More Than and Smart Wheels brands.
There is no upper age limit for customers and policies are underwritten by Royal & Sun Alliance Insurance plc.
- Read our reviews of all the insurers who took part in our car insurance analysis
What does More Than car insurance cover?
Elements marked with a ✓ are covered as standard, those marked with a ✘ are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
✓ Courtesy car
Provides the policyholder with a car to use while repairs are carried out on their vehicle as part of a claim
✓ Personal accident
Covers the policyholder and passengers if they are injured in an accident
✓ Stolen keys cover
Covers the cost of replacing keys and locks in the event that your car keys are stolen
✓ Lost keys cover
Covers the cost of replacing keys and locks in the event that your car keys are lost
£ NCD protection
Allows the policyholder to make a specified number of claims over a period without affecting their no claims discount
£ Motor legal protection
Covers legal expenses for legal action you may take as the result of an accident
Does More Than offer the best car insurance?
Here's how More Than scored in our latest car insurance survey:
To help you find the best car insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse car insurance
We analyse and rate 73 key 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.
More Than's car insurance policy: is it good or bad?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
In detail: every part of More Than's car insurance rated
Table last updated in February 2021. Next update in January 2022.
To see how More Than's car insurance compares to other policies check out our guide on the best and worst car insurance.
How can you save money on More Than car insurance?
More Than's car insurance policy is available on the following price comparison websites:
- Compare the market
- Go Compare
✓ Multi car discount
15% discount for any other vehicles in the household
✓ Joint car and home insurance discount
✘ Dash cam discount
A discount to the premium for having a dash cam installed in your car
✘ Membership discount
A discount to the premium for being a member of an organisation
What is More Than's car insurance claims number?
If you need to make a claim with More Than car insurance call 0800 300 252, or 0345 072 4422 for Smart Wheels customers.
For windscreen claims call 0800 731 3172.
- Find out more: is it worth claiming on your car insurance?
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