Home Insurance Other Cover Options

As well as covering your household contents up to £100,000 as standard, you can also add on a wide range of other cover options to your Home Insurance. This includes home contents and home buildings upgrades, and our Home Emergency cover. Watch our Home Emergency video to find out more.

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Buildings upgrade

When you select our buildings upgrade cover you can rest assured you’ll be protected by cover that’s been awarded 5 stars by Defaqto, an independent researcher. Our upgrade cover includes £5,000 trace and access cover. For example, this will help you cover the cost of any damage as a result of tracing the root cause of a water leak. As well as increased alternative accommodation cover to £100,000 should your home become uninhabitable. Find out more about Buildings Insurance.

Contents upgrade

Choose our upgraded contents cover, rated 5 stars by Defaqto, and you'll get £2,000 contents in your garden cover and £15,000 Tenants Liability Cover. You’ll also benefit from special events cover, for weddings, anniversaries and birthdays we'll increase your cover by 10%, and cover for items that are temporarily removed from the home, perfect for students away at university! Find out more about Contents Insurance.

Extra protection for your valuables

Why not add our personal possessions cover or personal money cover to your policy, for items you take out of the home? This includes your high-risk items such as mobile devices and jewellery, for additional peace of mind.

Extra protection for your home

Choose to add our Accidental Damage cover for those oops moments!  When you select this option for your buildings insurance, we’ll cover accidental breakage of drains and pipes, windows, baths and toilets. If you add it to your contents insurance, you'll benefit from extra cover for your carpets, furniture, TVs and computer equipment.

Home emergency cover

For peace of mind, we provide up to £200 of Home Emergency Assistance as standard, but you can increase this up to £1,000 with Home Emergency add-on cover. We'll be there in your hour of need, arranging for one of our recommended tradespeople to come to your aid.

Bicycle protection for you and your family

One of our fantastic added extras is the option to insure your family’s bikes against loss or damage. You can insure your bikes up to £1,500 per bicycle (or up to £2,500 when you call us) in the UK and worldwide – up to a limit of 60 days.

Legal services

Ever needed legal help, but didn’t know where to turn? MORE TH>N Legal Services provide you and your family with up to £50,000 legal expenses cover for disputes in relation to personal injury, consumer protection, residential matters and tax related issues. Also, you'll have access to over 150 legal documents which can be reviewed by qualified legal experts. Find out about MORE TH>N Legal Services.

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MORE TH>N - News and Information

MORE TH>N brings you all the news and information about what we cover, what we do and what that means for you, including flood advice.

Customer loyalty discount

You already trust us with your insurance, so we want to thank you by offering you a great deal on other selected insurance products.