Rated gold standard by Fairer Finance and awarded 5 stars by Defaqto, More Than’s home insurance is available as either contents only, buildings only or combined cover. Policies cost from £90 per annum and More Than say 10% of customers paid this when buying between April and September 2016. Optional extras available at an additional charge.
Background to More Than home insurance
First established in 2001, More Than is part of RSA (formerly Royal Sun Alliance plc). It was launched to bring a new, fresh approach to the consumer financial services market.
In addition to residential home insurance, More Than offers insurance for landlords, plus pet, vehicle, travel and life cover.
Overview of the cover provided by More Than home policies
As standard, More Than’s home insurance policy covers both buildings and contents insurance – buildings up to £1,000,000 with £30,000 alternative accommodation, contents up to £100,000 in the event of fire, flood, theft, loss and damage. Separate cover for either buildings or contents is also available.
In addition, More Than offers a number of optional extras. These include home emergency cover; up to £1,000 towards urgent repair work around the house. You can also choose to add features such as cover for loss or theft of keys, Christmas cover to the value of £7,500, and up to 60 days protection away from the home for bicycles.
How much does home insurance from More Than cost?
Though your individual circumstances will affect the cost of home insurance, More Than claims that 51% of its new customers who joined between April and September 2016 paid less than £112 for their cover.
Naturally, optional extras will increase the price of the premium, however on balance you may feel it better to pay a slightly higher fee in return for more comprehensive cover.
To help keep costs to a minimum, More Than offers new home insurance customers who hold another policy with them a 15% discount on online quotations.
What More Than customers say
More Than has been awarded 3.8 out of 5 stars on the review website Money.co.uk. Simplicity, quality of cover and price are all praised within customer feedback, although some reviewers have criticised the claims process, and the fact that it reportedly does not cover trace and access to detect the source of a water leak.
Another review website, TrustPilot, rates More Than’s insurance product as 1.5 out of a possible 10 stars. The main feedback frustration involves issues with customer service when making a claim.
What the expert reviews say
Which? has given More Than home insurance a 65% score, which ranks it 28th out of 39 surveyed home insurers.
Fairer Finance has given More Than a gold award for customer feedback, with the policy scoring an average 62% based on ratings of trust, happiness, transparency and complaints.
Other home insurance reviews
To compare More Than with other insurance providers, click on the links below to read more home cover reviews.