Is More Than a Good Insurance Company?

Is More Than a good car insurance company?

3,1 Safe overall rating for More Than car insurance

More Than is rated five stars on Defaqto and it offers two levels of cover which is the Comprehensive cover, Third Party, fire and theft cover. The comprehensive cover offers a courtesy car as standard and also offered cover for insured drivers. The insurer also offers existing customers up to 15% off certain additional car insurance policies.

In addition to typical car insurance coverage choices, More Than offers, among other options:

Breakdown cover

More Than partnered with RAC to provide Breakdown cover and the following are offered:

• Roadside assistance: repairs are carried out at the roadside in the case of a breakdown
• Recovery Assistance: is provided to move the car to a garage in the case of a breakdown
• Home assistance: breakdown cover is provided if your car doesn't work at home
• Driving in Europe cover is provided for breakdown in foreign countries.

Windscreen cover

With More Than's windscreen cover, the following applies:

• excess paid for an approved windscreen repairer: £10
• excess paid for replacement from an approved repairer: £75.

Motor legal protection

In the event of an accident, More Than provides a lawyer who would take up your case and defend you. The following are included as a part of the motor legal protection cover offered:

• a cover of £100,000 would be provided to cover legal fees
• access to legal documents
• support and advice.

Personal injury policy

If the driver and his/her partner are involved in an accident in the insured vehicle and within 3 months, this accident results to:

• death
• permanent loss of use of limb
• permanent loss of eyesight.
  More Than provides £5,000 worth of Personal Accident cover.

Besides main car insurance coverage, you can also get extra car insurance options at More Than. Get to know more, read our complete review on More Than car insurance.

Is More Than a good travel insurance company?

4,1 Safe overall rating for More Than travel insurance

More Than's travel insurance policies are administered and sold by Hood Travel Limited which is authorised and regulated by the Financial Conduct Authority and underwritten by Allianz Global Assistance which is also authorised and regulated by the Financial Conduct Authority.

The company offers its Single and Annual Multi Trip policies across 3 levels of covers: Silver, Gold and Diamond. The covers offered have above average limits, for example, up to £20M for medical emergency and £7,500 for cancellation.

Due to the high customer satisfaction rate on TrustPilot and the several offers such as 15% discount on Annual Multi Trip and children covered for free, we would recommend More Than to individuals or families travelling with children and are looking for affordable travel insurance policies.

For single and annual multi-trip cover, age and maximum number of days limits at More Than are:

You will find More Than cover details (compensations, deductibles, extras etc.) for single and annual multi-trip policies in our review.

Besides main travel insurance policies, More Than also provides extra cover such as:

• backpackers travel insurance
• long stay travel insurance
• winter sports cover
• golf cover
• cover for business trips
• cruise gear
• gadget cover

Other optional upgrades available at More Than are:

• Natural Catastrophe Cover
• Excess Waiver Cover
• Sports and Activities cover
• Wedding Cover.

>> MORE: read our complete review on More Than travel insurance.

Is More Than a good life insurance company?

2,6 Safe overall rating for More Than home insurance

MORE THAN was launched in June 2001 with the aim to bring a new, modern perspective to insurance and offer affordable services to potential policyholders. Level term and decreasing cover are offered as well as Critical illness cover with a provision for children. More than has a 4.3 rating on Defaqto and this would attest to their reliability in terms of customer service. For the life insurance however, little or no information is provided on the website and as such, no concrete decisions as relating to recommendations can be taken. A potential policyholder can call their customer care line for more details concerning this service.

In summary, here are the main features you need to know when taking out life insurance with More Than.

You will find everything you need to know on More Than life insurance in our review.

>> MORE: read our complete review on More Than life insurance.

Is More Than a good pet insurance company?

3,8 Safe overall rating for More Than pet insurance

More Than is a trading name of Royal & Sun Alliance Insurance Group which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The company was launched by RSA Group in 2001. They offer a wide range of insurance products such as Car, Travel, Home, Van, Life, Business, etc and have also been involved in socially responsible projects.

Four levels of covers are offered which are the: Accident Only, Basic, Classic, and Premier options. The Premier cover option is also the lifetime policy and apart from offering the most comprehensive cover, it offers the highest level of cover for vet bills (up to £4,000 or £12,000) and also has a 5 Star rating from Defaqto. THe Accident Only cover option is the cheapest and it offers a sum of £2,500 in the case of an accident.

More Than Basic pffers between £1,500 or £3,000 in terms of cover and More Than Classic offers between £4,000 or £8,000

More Than pet insurance offers a good value for money but there are a few important points to understand before picking More Than, especially as a long term insurance option. Adequate thought as to what your pet requires especially long term has to be given before it is chosen. However, More Than pet insurance offers good services which can be seen from the customer care reviews on this party websites. Their services are recommended.

What does More Than pet insurance cover in a nutshell?

More Than offers Lifetime, Maximum Benefit and Time Limited levels of cover for both cats and dogs (same levels available). The company does not offer Accident Only insurance.
Covers available are:

Lifetime

• £1,000 limit each condition each year - £4,000 total vet fee limit each year
• £4,000 limit each condition each year - £12,000 total vet fee limit each year

Maximum Benefit

• Per Condition Limit of £4,000 - No time limit on how long payments will be made as long as you renew your policy with no break in cover.
• Per Condition Limit of £8,000 - No time limit on how long payments will be made as long as you renew your policy with no break in cover

Time Limited

• Per Condition Limit of £1,500 for 12 months from the first date of treatment
• Per Condition Limit of £3,000 for 12 months from the first date of treatment

>> MORE: read our complete review on More Than pet insurance.