Founded in 2001, More Than has offered a range of insurance products to UK households for over 18 years. From car and home insurance to pet and landlord insurance, More Than covers many areas.
More Than 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
✓ Burst Pipes
Covers water damage caused by burst pipes in the property
✓ 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
Cover for losing or accidentally damaging personal belongings when they're outside your home
£ Boiler cover
Cover 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:
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 46 key elements of standard buildings home insurance policies to come up with the buildings policy score and 65 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 factor this in 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. We then adjust the impact the more and less important elements have on the overall policy 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.
In detail: every part of More Than's home insurance rated
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
Table last updated in March 2022. Next update in March 2023.
"-' represents where we have insufficient sample size (less than 30) to generate a star rating
How can you save money on More Than home insurance?
The first offer an insurer makes isn’t necessarily the best they’re able to provide. So, before coughing up your cash, check what other insurers are offering for comparable cover and ask if your current insurer can better it.
Carefully consider what’s optionally included in the quote. You may want the confidence of an all-singing, all dancing policy - but certain add-ons might not be for you, or could duplicate cover you already have separately.
Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying them direct.
You can get a More Than home insurance policy online or over the phone. It's on these comparison sites:
- Compare The Market
- Go Compare
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?