By clicking a retailer link you consent to third-party cookies that track your onward journey. This enables W? to receive an affiliate commission if you make a purchase, which supports our mission to be the UK's consumer champion.

17 Sept 2026

More Than home insurance review

Name: NFU Mutual home insurance review
Item: NFU Mutual Home Insurance
Rating: 81
Author: Dean Sobers

Its Premium policy offers impressive buildings cover on paper

Dean SobersSenior researcher & writer

Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.

Get a great deal on your home insurance

We've partnered with MoneySuperMarket to help you compare a wide range of home insurance options in one place, with added insight from Which?

Get a quote with MoneySuperMarket and we'll highlight Which? Best Buys and Recommended Providers in your results.
This is a Which? exclusive, so you won't find our scores or expert analysis on other comparison sites.

Get a quote

Dive into the detail with our expert reviews

We rated 177 elements of each policy, covering buildings, contents and admin points such as fees.
We asked 3,419 home insurance customers who made a claim within the past two years to score their insurer.

In this article

Does More Than offer the best home insurance?
What does More Than home insurance cover?
‘Great buildings cover – shame about its claims acceptance rates’
How good is More Than at handling claims?
How can you save money on More Than home insurance?
How does More Than compare with other providers?
More Than home insurance: how can you claim?
Should you buy More Than home insurance?

We've reviewed three policies from More Than – its basic Home cover, standard Plus cover and Premium policy. All three can only be bought via insurance comparison websites.

Admiral acquired More Than, formerly owned by RSA, in April 2024. Its cover is underwritten by EUI Limited.

As well as home insurance, More Than also sells pet insurance.

Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.

Does More Than offer the best home insurance?

More Than

Its Premium policy ranked in the top 10 for buildings cover.

Get a quote with MoneySuperMarket

Policies

Premium (buildings)75%
Premium (contents)71%
Plus (buildings)74%
Plus (contents)66%
Home (buildings)70%
Home (contents)57%

See how this compares with the best home insurance, or read more about how we rate home insurance.

What does More Than home insurance cover?

We've reviewed three More Than policies. Select a policy from our table to see what it offers and what we scored it.

Select a policy

More Than Premium

Search this table


Buildings - Alternative accommodation	£100,000
Buildings - Burst pipes	Included
Buildings - Escape of water excess	£350
Home emergency cover limit	£1,000
Home emergency - central heating/boiler repair	£1,000
Buildings - Groundwater flooding	Not covered	0 out of 5
Subsidence excess	£1,000
Contents - Valuables unspecified single item limit	£2,000
Contents - Alternative accommodation	£25,000
Contents - Accidental damage	Full cover included
Contents - Guests' belongings	£2,000
Contents - Theft of contents in the open	£2,500
Contents - Damage to contents in the open	£2,500
Contents - Theft from outbuilding	£7,500
Contents - Damage to contents in an outbuilding	£7,500
Contents - Personal possessions cover single item limit	£2,000

Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.

Need home insurance?

Use our customer scores to help you choose a great deal at MoneySuperMarket

Compare deals

Which? earns commission to fund its not-for-profit mission if you buy a product

‘Great buildings cover – shame about its claims acceptance rates’

Dean Sobers, Which? home insurance expert, says:

More Than’s Premium policy ranked among the top 10 for buildings cover in our analysis, scoring 75%. Its contents cover was slightly less impressive, scoring 71%, but it was still comfortably above the 67% average.

Despite its promising scores, More Than was let down by its underwriter’s claims-acceptance rates, which were below average.

More Than applies a proportionate reduction to your claims payout if it finds that you’ve understated the value or rebuild costs of your property while handling a claim. But to protect against this happening due to rising prices, it automatically increases your cover in line with inflation (it’s still important to check each year that your stated cover is appropriate).

It also provides trace and access cover for up to £10,000, which was comparatively generous. This covers the cost of locating leaks in or under your home.

We were less impressed by its bicycle cover. Bikes not specified on the policy are covered for up to £350. By contrast, this cover is in the thousands in lots of policies.

No payment default fee

If you miss payments, some providers will charge a fee for defaulting. More Than was one of the providers in our analysis that doesn’t charge one. Where fees were charged, they ranged from £5 to £36.

Home and Plus

More Than also offers two cheaper policies, Plus and Home. The Plus policy was above average for buildings cover with a respectable score of 74%. It earned 66% for contents cover – just below the average score of 67%.

Its more basic Home policy scored 70% for buildings and 57% for contents, placing it near the bottom of our table.

How good is More Than at handling claims?

More Than's underwriter, EUI Limited, accepted 50-55% of claims on buildings-only policies – below the industry average of 62%. Some 15-20% of claimants with this type of policy lodged a complaint, which is slightly above the average (13%).

Meanwhile, the underwriter accepted 65-70% of claims on contents-only policies – a bit below the average of 71%. Some 5-10% of claimants complained, which is in line with the 7% average.

When it came to claims on combined policies, the underwriter accepted 65-70% of claims – just below the 71% average. Some 10-15% of claimants complained, which is also in line with the 12% industry average.

How can you save money on More Than home insurance?

Compare several More Than quotes from price comparison sites to check if it's a good deal. It appears on the following comparison websites:

Compare the Market
Confused.com
MoneySuperMarket

Want to pay monthly? Good news – More Than charges no monthly interest, so if you need to split the cost, you won't be increasing the overall premium.

The above information is correct as of August 2026. For more ways to save money when buying insurance, see our guide.

Visit More Than directly to find out more about its home insurance policy.

How does More Than compare with other providers?

While we didn't have enough claimant feedback to calculate a customer score for More Than, its standard Plus policy scored 74% for buildings cover and ranks joint 4th in our standard buildings insurance table. Policies from the Bank of Scotland, Halifax, Lloyds Bank, Nationwide and Quote Me Happy all matched this score.

As for contents insurance, its standard Plus policy scored 66% – the same as Saga's Select policy – and sits in joint 18th place in our standard contents cover table.

More Than home insurance: how can you claim?

If you need to make a claim, you can call More Than on 0330 333 5536.

Alternatively, you can make a claim online.

Find out more: Is it worth claiming on your home insurance?

Should you buy More Than home insurance?

Probably not. More Than's Premium policy did well in our analysis of cover, but its claims performance means we can’t confidently say it’ll be there when it counts.

How we rate home insurance

Policy analysis

We analyse and rate 177 aspects of cover across insurers' policies, including their key buildings and contents features, and elements applicable to both kinds of cover (such as admin fees). We use this data to award each provider policy scores for its buildings and contents cover.

Initially, we score all of the product elements out of five, reflecting how competitive each policy is in this area compared with other insurance products. We also assess how important different policy elements are to consumers when choosing and using their home insurance, and factor this in when calculating our policy scores. More important features (such as alternative accommodation cover) will have more of an effect on the score than some other features (such as cover for the contents of your freezer).

Customer survey

We also surveyed 3,419 members of the public who had made a claim in the past two years. The survey was conducted in May-June 2026.

Our customer score reflects the general satisfaction of customers with their current insurer and their likelihood of recommending it. The claims score reflects how satisfied they were with how their most recent claim was handled and their likelihood of recommending the insurer for claims.

We review a lot of policies – and being a Best Buy recognises the individual products that stood out as being the most comprehensive in our analysis. It doesn't reflect customer service. However, we won't give a provider a Best Buy where there's evidence – from our surveys or from Financial Conduct Authority data – of poor service or a poorer-than-average record of paying claims.

Buildings Best Buy policies must have a minimum buildings policy score of 73%
Contents Best Buy policies must have a contents score of at least 70%

Additionally, we look at how consistently good the cover is in policies. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the areas we've rated (find out more: how we rate policies).

Lastly, all Best Buy policies must have – or make available – the following levels of cover as a minimum:

Buildings

Flood, storm, subsidence and accidental damage cover; Cover for burst or blocked pipes; Trace and access cover (£5,000); Alternative accommodation (£50,000) with no time limit; Property owner liability (£1m); Replacement of locks or keys for external doors (£500); Home Emergency Cover (£500 and includes the central heating system).

Contents

Accidental damage cover; Theft and damage of contents in the open; Theft and damage of contents from outbuildings; Business equipment; Alternative accommodation (£15,000); Money in the home (£500); Valuables (unspecified single item limit – £2,000); Personal possessions (unspecified single item limit - £1,000); Replacement of locks or keys for external doors (£500).

Find out how More Than is rated for other products

More Than pet insurance review