More Than Car Insurance Review

  • 5-Star Defaqto rating
  • Basic continental driving cover included as standard;
  • Attractive multi-car discount options

We hope our independent More Th>n car insurance review will help you decide whether it's a suitable car insurance option for you.

More Th>n car insurance

Although referred to as “More Than car insurance” the company is actually officially called “More Th>n car insurance”.

It was launched in the UK in 2001 and is part of the RSA Insurance group (Royal Sun Alliance) headquartered in London. The RSA Group overall employs approximately 13,500 people who provide services to 9million+ customers located in around 100 countries worldwide. 

The company prides itself on innovation and a new approach to car insurance. They also have a portfolio of insurance products that includes many other types of policy covering areas such as landlords, pets, home and travel etc.

For your peace of mind, More Th>n car insurance is regulated by the Financial Conduct Authority (FCA).

More Than car insurance car insurance options

Third party cover is the legal minimum insurance required in the UK if you are driving or keeping a vehicle on public roads.

Even if your vehicle is not being used and you regard it as being “off road”, you will still be legally required to keep it taxed (thereby insured). The only exception is where you have undertaken the formal SORN (Statutory Off-Road Notification) procedure and declared your vehicle to be “off-road” to the DVLA.

Third party would typically cover, in qualifying circumstances, damage you might cause to another person’s property or injury to their person.

This minimum cover level doesn’t include protection for any damage to your car or injuries you might suffer.

More Th>n car insurance quotes add “fire and theft” cover to the third party minimum, to provide some financial protection to you under such circumstances.

The typical third party, fire and theft cover included falls into areas such as:

  • continental cover.

This is to the legal minimum level of the country you’re visiting and would not include loss of or damage to your car. Some country or territory exclusions apply;

  • damage to the property of a third party or injury to them, as awarded by due legal process.
  • the theft or destruction by fire of your car.
  • lifetime guarantee on repair work.

This applies in situations where you have used an approved More Th>n car insurance repairer.

  • in-car equipment.

This covers satellite navigation systems, audio and telephone systems as well as visual entertainment equipment in the vehicle, up to the maximum amount shown as ‘In Car Entertainment’ on your policy’s schedule;

  • 24/7 emergency helpline.

To the third party, fire and theft policy can be added the following optional extras:

  • no claim bonus protection;
  • legal assistance plan.

This is a broad-based package of legal assistance including things such as standard wills and inheritance documents.

  • breakdown cover.
  • extended cover for driving abroad.

A More Than car insurance quotation can also be for “fully comprehensive” cover. This offers (summary and not definitive):

  • continental cover.

As per third party, fire and theft cover, this is to the legal minimum level of the country you’re visiting and would not include loss of or damage to your car. Some country or territory exclusions also apply;

  • used car replacement.

More Th>n car insurance will supply a hire car for the duration of repair whilst your car is being repaired at one of their recommended repairers (conditions apply);

  • windscreen cover.

This cover loss of or damage to, the windscreen and windows of your car.

  • personal accident.

Provides a £5,000 lump sum if you or your partner were killed or were to suffer loss of sight or loss of a limb while in, or while getting in or out of, any car;

  • emergency care.

Provides benefits for medical expenses, emergency overnight accommodation and replacement locks, up to the limits shown on your schedule. The loss of your car keys would not be included in this benefit;

  • lifetime guarantee on repair work.

This applies in situations where you have used an approved More Th>n car insurance repairer;

  • in-car equipment.

This covers satellite navigation systems, audio and telephone systems as well as visual entertainment equipment in the vehicle, up to the maximum amount shown as ‘In Car Entertainment’ on your policy’s schedule;

  • personal effects.

The policy provider will cover loss of or damage to personal possessions in or on your car up to the amount shown under ‘Personal Effects’ on your schedule. They will make payment to you or, if you prefer, to the owner of the property;

To the fully comprehensive policy cover can be added the following optional extras:

  • no claim bonus protection;
  • legal assistance plan;

This is a broad-based package of legal assistance including things such as standard wills and inheritance documents.

  • breakdown cover;
  • temporary hire car upgrade (not available for third party, fire and theft policies).

More Th>n car insurance quotations can provide the option to supply a hire car whilst your car is being repaired by a non-recommended repairer if the car is a total loss, has been stolen or following a claim for loss and damage;

  • in-car entertainment upgrade (not available for third party, fire and theft policies).

You can increase the standard maximum cover amount shown in in your policy’s schedule;

  • extended cover for driving abroad.

More Th>n car insurance quotations are also available for:

  • multi-car insurance discounts.

This offers discounts of 15% on additional vehicles added to your cover;

  • young driver insurance.

Called “Sm>rt Wheels”, this involves a black box being fitted to the vehicle which uses telematics to track driving behaviours. Over time, discounts on your driver premiums build up if driving performance is safe;

More Than Over 50s car insurance cover

More Th>n car insurance does not specifically offer a unique and branded policy or product line for over 50s car insurance.

They do indicate that they recognise and welcome careful drivers. As older drivers typically demonstrate conservative driving behaviours, prices may be attractive in recognition of that.

Get a Quote

Reasons why you may consider More Th>n car insurance policies

Here are some of the reasons you might wish to consider over 50s car insurance quotes from More Th>n car insurance if you’re undertaking a car insurance comparison:

  • 5-star Defaqto ratings for 2018 (3-Star for Sm>rt Wheels);
  • continental cover included as standard (to legal minimums of the country you’re driving in);
  • good reputation for pricing;
  • many options applicable to both third party and comprehensive cover options;
  • good multi-vehicle cover discounts.

The above statements are indicative only. Please remember that, as with all car insurance, More Th>n car insurance reviews and policies will always be subject to terms, conditions and policyholder/applicant status which should be examined closely. Excess may apply in claim situations.

When seeking quotations or cover information, please ensure that you always provide full disclosure of your vehicle, driving licence status and any other pertinent facts required by the quoting company. If you are in doubt, it would be advisable to presume that the disclosure of an individual fact is required.

Car Insurance Quotes

Compare Now

In less than 2 minutes you could be on your way to cheaper car insurance

more than car insurance reviews

Don't miss out...

Sign up to our monthly newsletter for the latest updates.

Subscribe

How to get a More Th>n car insurance quote

We have teamed up with car insurance comparison service Quotezone to enable you to compare multiple car insurance quotes online.

You can carry out car insurance reviews and compare car insurance quotes from over 90 UK companies – typically including names such as Swiftcover, Hastings Direct, Swinton and RAC insurance etc.

If you do so, you’ll typically be able to see multiple options including attractive and cost-effective over 50s car insurance policies. Why not get a car insurance online quote now? The service is free to use and you can see what is available across a wide range of the car insurance marketplace in minutes.

Our Trusted Partners

over 50 life insurance    funeral plans   equity release         best energy deals   over 50s car insurance  making a Will