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07 Jul 2023

More Than home insurance review

Read Which?'s expert review of More Than's home insurance. Find out how we rate More Than's home insurance policy against other providers

Dean SobersSenior researcher & writer

In this article

What does More Than offer?
Does More Than offer the best home insurance?
How good is More Than's home insurance policy?
How did customers rate More Than's home insurance?
How can you save money on More Than home insurance?
How can I claim?

What does More Than offer?

Founded in 2001, More Than has offered a range of insurance products to UK households for more than 20 years. From home, pet and landlord insurance, More Than covers many areas.

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

More Than's home insurance policy covers lost and stolen keys, burst pipes and subsidence as standard. You can optionally add cover for legal protection, accidental damage, home emergency and personal possessions away from the home.

Find out more: how to find cheap home insurance

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Does More Than offer the best home insurance?

We've rated dozens of insurers on their policies and, where possible, customer service. Members can log in to read our full reviews.

If you're not already a member, join Which? and get full access to these results and all our reviews.

We analyse and rate 21 aspects of buildings cover, 40 areas of contents cover, and 25 features applicable to both (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).

How good is More Than's home insurance policy?

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.

How did customers rate More Than's home insurance?

We've talked to customers who recently claimed, so that we could score insurers on their customer and claims service.

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

How can you save money on More Than home insurance?

According to More Than, there are differences in pricing and cover offered between getting a quote via the website vs. ringing it, so it's worth trying both to see which offers you the better deal.

When ringing, consider trying these tips to haggle the premium down.

You can also get a More Than home insurance policy via these comparison sites: