More Than has several options when it comes to home insurance. Its standard buildings and contents insurance are standalone policies but you can combine these if needed. The insurer says there are also upgraded versions of these, which are 5-star Moneyfacts-rated, with up to £1 million buildings cover and up to £100,000 contents cover.
Plus, existing More Than customers could receive discounts for taking out additional insurance policies that protect other investments. Here’s what else we think you should know.
More Than was launched in 2001 and provides a range of insurance products, including home, landlord, car, van, pet, caravan and travel insurance.
More Than is a trading name of Royal & Sun Alliance Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
More Than offers six cover options:
More Than’s home insurance policies offer cover and protection for your home against the following risks:
But More Than’s home insurance policies also include extra benefits as standard. Check out the features of More Than’s two buildings insurance options and its two contents insurance options below.
| Cover benefits | Primary buildings insurance | Upgraded buildings insurance |
|---|---|---|
| Buildings sum insured | Up to £1 million | Up to £1 million |
| Alternative accommodation | Up to £30,000 | Up to £100,000 |
| Owner’s liability | Up to £1 million | Up to £1 million |
| Emergency services damage to buildings | Up to £5,000 | Up to £5,000 |
| Emergency services damage to gardens | Up to £1,000 | Up to £1,000 |
| Locks and key cover | Up to £1,000 | Up to £1,000 |
| Trace and access cover | Up to £5,000 |
For a full list of benefits, check out More Than’s home insurance policy document.
| Cover benefits | Primary buildings insurance | Upgraded buildings insurance |
|---|---|---|
| Contents sum insured | Up to £100,000 | Up to £100,000 (increased by 10% before and after Christmas and other religious festivals or special occasions) |
| New for old cover | ✓ | ✓ |
| High risk items | up to £7,500 | up to £7,500 |
| Business equipment | up to £7,500 | up to £7,500 |
| Alternative accommodation | up to £15,000 | up to £15,000 |
| Visitors possessions | up to £2,500 | up to £2,500 |
| Money | up to £500 | up to £500 |
| Credit cards | up to £500 | up to £500 |
| Personal and occupiers liability | up to £1 million | up to £1 million |
| Employers liability | up to £10 million | up to £10 million |
| Theft from outbuildings | up to £3,000 | up to £3,000 |
| Deeds and documents | up to £2,500 | up to £2,500 |
| Data downloads | up to £2,500 | up to £2,500 |
| Professional home removals | ✓ | ✓/td> |
| Freezer food | up to £500 | up to £500 |
| Locks and key cover | up to £1,000 | up to £1,000 |
| Contents in garden | up to £2,000 | |
| Temporarily moved contents including student cover | up to £11,250 | |
| Trees, plants, hedges and shrubs | up to £2,000 (increased by 10% before and after Christmas and other religious festivals or special occasions) | |
| Accidental loss of metered water and oil | up to £2,000 | |
| Tenant’s liability | up to £15,000 | |
| Tenants improvement cover | ✓ |
For a full list of benefits, check out More Than’s home insurance policy document.
You can combine the Primary buildings and Primary contents cover for complete Primary buildings and contents insurance. You can also combine the Upgraded buildings and Upgraded contents cover for Upgraded Buildings and Contents insurance.
Check your policy details carefully to ensure you have the right cover for your needs.
More Than offers a range of additional protection to bolt onto your specific home insurance policy, including the following:
Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your van and your driving experience.
You can also decide to pay a voluntary excess when taking out a policy to lower your premium. This voluntary excess is on top of the excess amount set by the insurance company.
For all accidental damage claims to More Than, you will need to pay the first £250.
You’ll find details about any compulsory or voluntary excesses in your policy document.
There are a number of factors that can affect the cost of your More Than home insurance premium, including the following:
You should call the More Than claims line on 0330 100 7783. Their claims line is open Mondays to Fridays from 8am to 8pm and on Saturdays from 9am to 5pm.
Alternatively, you can make a claim by completing the online claims form on the More Than website.
You will need to provide the following information:
You may also need to provide the following additional information:
It’s vital that you let your insurer know about an incident as soon as possible. Failure to do this could result in a rejected claim later on.
Finder scores, in blue, are based on our expert analysis of policies. We also show reviews from users, where we've received more than 10, in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
To find out more, read our full methodology.
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