More Than car insurance review

5 min Read Published: 01 Sep 2023

**IMPORTANT UPDATE - From 1st September 2023, MORE THAN no longer offers car insurance to new or existing customers wishing to renew their car insurance. Existing customers will continue to be insured for their full policy year. To get in touch with More Than about your existing car insurance, visit the More Than 'Contact us' page.**

Who is More Than?

More Than car insurance reviewMore Than was launched in June 2001 and is a trading name of Royal & Sun Alliance Insurance Ltd. More Than offers car, home, pet, travel, business and life insurance together with car insurance for younger drivers under the Smart Wheels brand.

More Than car insurance policies

More Than offers a number of car insurance policies and we explain each type in more detail below.

Single car insurance

Car insurance cover for a single car with one or more drivers either Comprehensive or Third Party, Fire and Theft cover.

Multi-car discount

If more than one car is registered in a household then a premium discount of 15% will be offered on each additional car insured with More Than. There is no upper limit to the number of cars that can be insured and receive the 15% discount. Multi-car discount allows customers to tailor each policy to meet individual needs, manage all policies online and have separate renewal dates. Additionally, claims on one policy will not affect any other policy or policyholder.

Young driver insurance with Smart Wheels

Smart Wheels Young driver’s insurance (also known as black box insurance) is purpose-built to help 17-24 year olds get more affordable car insurance. A black box will be professionally fitted to your car and you will be provided login details so that you can check your driving score via an online dashboard and mobile app.

Your premiums will not be increased in the first year of your policy, however, if the black box identifies poor driving such as excessive speed, your policy may be cancelled. If your driving score improves you can earn rewards to spend on a pre-paid card and the possibility of a lower premium on renewal.

Unlike some black box insurance policies, there are no curfew or mileage limits, however, your score will be affected if you drive after 11pm and do a high number of journeys in a 24 hour period.

Low Miler car insurance

More Than low miler car insurance is linked directly to the number of miles your drive. Annual mileage is an important element in the calculation of car insurance premiums so if you don't drive many miles the risk of you being involved in an accident is lower and reflected in the premium you pay. When you purchase a More Than low miler policy you will be sent a device you can easily fit to your car that will keep track of your mileage. You can increase your mileage allowance at any time by buying top-up miles, there is an admin fee of £25 for topping up miles.

More Than comprehensive car insurance benefits

There are a number of additional benefits that are included when you buy comprehensive car insurance through More Than. We explain each of these below.

Courtesy car

When you use one of More Than's recommended repairers a courtesy car will be made available whilst your car is being repaired. This benefit is not available if your car is written off.

Personal accident cover

Personal accident cover provides up to £5,000 if you or your partner are involved in a life-changing accident.

Personal belongings cover

Up to £250 to replace personal items such as your mobile phone, clothing or any other items that have been damaged in an accident or stolen from the vehicle.

24/7 Emergency service

Cover includes access to a 24/7 freephone helpline

Uninsured driver promise

If you're involved in an accident with an identified uninsured driver that was not your fault you will keep your no claim bonus and you will not pay any policy excess. You must be able to provide the registration and description of the other vehicle involved.

Windscreen repair

The windscreen cover insurance will repair or replace your windscreen and you will pay just £10 towards a repair and £75 for a complete replacement.

Wrong fuel cover

If you put the wrong fuel in your car we provide assistance to drain your vehicle and get you back on the road. Even if your engine is damaged as a result of turning on your ignition, you will be covered. Excess applies.

Child car seat replacement

If you have been in an accident and have a child car seat fitted this will be replaced whether it looks damaged or not.

More Than extra cover options

There are three additional options that customers can select at an additional cost. We explain each of these options below.

Legal assistance plan

The legal assistance plan will provide up to £100,000 of legal expenses to recover uninsured losses after an accident that was not your fault. An additional premium will be charged for this option.

Protected no claim bonus

No claim bonus protection will protect your no claim bonus regardless of how many claims are made. To qualify you must have a minimum of 4 years no claim bonus with any insurer. There are additional eligibility criteria and applications will depend on your recent claims history. An additional premium will be charged for this option.

Breakdown cover with RAC

Four levels of breakdown cover are available:

  • Roadside Assistance
  • Roadside and Homecall Assistance
  • Roadside Recovery and European Assistance
  • Roadside, Recovery, Homecall and European Assistance

Breakdown assistance is provided for up to 5 breakdowns per year and an additional premium will be charged for this option.

How do More Than extra benefits compare with other insurers?

More Than AXA Direct Line LV=
Guaranteed car hire Yes Yes Yes £9.90 for small hatchback, £29.90 for similar car to own
Transport after accident If breakdown cover is selected Yes Yes No
No Claim Discount Protection Yes Yes Yes Yes
Breakdown Cover Individual cost calculation From £29.99 p.a. £25 p.a. From £26 p.a.
Motor Legal Protection (£100,000) £28.50 p.a. £29.99 p.a. £28 p.a. £29 p.a.
Multi-car Discount Yes Yes Yes Yes
Black Box available Yes No Yes No
Admin fee for policy amendments £25 Free online £10 by phone No £15
Available on comparison sites Yes Yes No Yes

How to make a claim with More Than car insurance

There are a couple of different ways to claim with More Than, depending on the type of claim.

Claims with no injuries

If you have been involved in an accident and no one was injured or you need to make a theft or fire claim then you make your claim at More Than

Claims with injuries

More Than -  call 0800 300 252

Smart Wheels - call 0345 072 4422

Low Miler - call 0330 100 6508

To make the claims process quicker the following details should be available:

  • Names, addresses and phone numbers of everyone involved in the incident, including passengers
  • Car details including registration numbers, make and model of all vehicles involved
  • Insurers' details and policy numbers
  • Details of whether the police attended or not
  • Digital photographs
  • Details of any witnesses

You must let More Than know before arranging repairs or sorting out a replacement car.

If your car has been stolen, you'll need to notify the police and get a crime reference number.

More Than customer reviews


More Than achieved an impressive 5th place out of the 39 policies analysed, with an overall policy score of 74%.


More Than achieved a score of 4.2 out of 5.0 from over 12,000 reviews, giving it an overall rating of 'Great'


More Than offers a full range of car, home, pet, travel and life insurance products and is a trading name of Royal & Sun Alliance Insurance Ltd. More Than car insurance offers a range of benefits that are comparable with other leading brands but also offers black box supported car insurance for younger drivers under the Smart Wheels brand. It scores well for customer reviews and is available on comparison websites.

Further reading:

AXA car insurance review

Aviva car insurance review

Direct Line car insurance review

LV= car insurance review

Co-op car insurance review