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More Than home insurance review

Read Which?'s expert review of More Than's home insurance policies and find out how it compares with dozens of other home insurance companies.

In this article
What does More Than home insurance cover? Does More Than offer the best home insurance? More Than’s home insurance policy: is it good or bad? How did customers rate More Than's home insurance?
Where can you buy More Than home insurance? What is the More Than home insurance claims number? Get top money-saving tips from Which?

Founded in 2001, More Than has offered a range of insurance products to UK households for over 18 years. From home insurance and car insurance to pet insurance and landlord insurance, More Than covers many areas.

More Than is belongs to the RSA Group, which also owns Tower Insurance, and its home insurance is underwritten by Royal & Sun Alliance Insurance plc.

More Than offers the following levels of home insurance cover:

Policy Policy level Buildings - Maximum sum insured Contents - Maximum sum insured
More Than Home insurance Standard £1,000,000 £100,000

 

Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy

 

What does More Than home insurance cover?

The information below gives an at-glance view of the key areas that More Than's home insurance covers as standard.

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.

 

Home emergency

 

Callouts and temporary repairs for home emergencies are covered as standard.

 

Burst Pipes

 

You're covered to repair burst pipes with a standard policy.

 

Key cover

 

You can claim to replace keys and locks if your keys are lost or stolen.

 

£ Accidental damage

 

You can get additional cover for accidental damage to personal belongings, fixtures and fittings.

 

£ Personal Possessions

 

If you choose the add-on, you'll get cover for losing or accidentally damaging personal belongings when they're outside your home. 

 

£ Boiler cover

 

Get his add-on, and you'll be covered for boiler or central heating system failure.

 

£ Legal protection

 

Cover for legal costs resulting from claims such as property and employment disputes.

Does More Than offer the best home insurance?

Here's how More Than scored in our latest home insurance survey:

Home And Mobile 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 25% each of Buildings and Contents policy scores.
Which? Customer Score
%
Which?'s rating for customer satisfaction, based on feedback from real customers who have recently made a claim. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Buildings policy score
%
Which?'s rating of the quality of this company's buildings insurance policy. We analysed 47 features of its cover to calculate the policy score.
Contents policy score
%
Which?'s rating of the quality of this company's contents insurance policy. We analysed 66 features of its cover to calculate the policy score.
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To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

 

How we analyse home insurance

 

We analyse and rate 47 key elements of standard buildings home insurance policies to come up with the buildings policy score and 66 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and weight it accordingly when calculating our policy scores.

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 home 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.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of More Than's home insurance rated

Weighting Policy element Details Rating
Most important Alternative accommodation (£) Logged out detail Logged out padlock
Most important Owner's / Occupier's liability (£) Logged out detail Logged out padlock
Most important Repairs guarantee Logged out detail Logged out padlock
Other Unoccupancy period Logged out detail Logged out padlock
Most important Trace and access  (£) Logged out detail Logged out padlock
Most important Burst pipes - included? Logged out detail Logged out padlock
Most important Blockage of sewer pipe - included? Logged out detail Logged out padlock
Secondary Gradual build-up of groundwater - included? Logged out detail Logged out padlock
Secondary Subsidence - included? Logged out detail Logged out padlock
Secondary Damage to underground services - included? Logged out detail Logged out padlock
Secondary Flood and storm damage - included? Logged out detail Logged out padlock
Secondary Flood and storm damage to outbuildings - included? Logged out detail Logged out padlock
Secondary Storm damage to fences - included? Logged out detail Logged out padlock
Other Theft of keys - included? Logged out detail Logged out padlock
Secondary Theft of keys (£) Logged out detail Logged out padlock
Other Loss of keys - included? Logged out detail Logged out padlock
Secondary Loss of keys (£) Logged out detail Logged out padlock

 

Table last updated in March 2021. Next update in March 2022.

To see how More Than's home insurance compares with other policies check out our guide on the best and worst home insurance.

How did customers rate More Than's home insurance?

As well as looking at how More Than's home insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too.

Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? and get full access to these results and all our reviews.

How More Than's home insurance scored for eight elements of customer satisfaction

Customer satisfaction element Which? customer rating
Application process Logged out padlock
Clarity of policy Logged out padlock
Dealing with queries Logged out padlock
Ease of managing your policy online Logged out padlock
Treatment of longstanding customers Logged out padlock
Dealing with complaints Logged out padlock
Value for money Logged out padlock

Table last updated in March 2021. Next update in March 2022.

"-' represents where we have insufficient sample size (less than 30) to generate a star rating

Where can you buy More Than home insurance?

You can get a More Than home insurance policy online or over the phone. It's on these comparison sites:

  • Compare The Market
  • Confused.com
  • Go Compare
  • MoneySuperMarket
  • U-Switch

Find out how to cut your premium in our guide to cheap home insurance.

What is the More Than home insurance claims number?

If you need to make a claim with More Than home insurance call 0330 100 7783.

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

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