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We sell a policy every two minutes ^

Protecting customers with insurance since 2001

Car insurance

We offer 3 levels of comprehensive cover to give you more choice

  • Courtesy car as standard*
  • 24/7 emergency assistance - we'll never leave you stranded after an accident.

*Excludes a write-off. Must use a MORE THAN recommended repairer.

2022 Defaqto car insurance logo

Car insurance rated by experts

Defaqto liked our MORE THAN car insurance and MORE THAN Extra policies so much they gave them 5 Stars!
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Our comprehensive cover

We offer you more choice with three levels of cover

Our car insurance cover levels

More Than Essentials
3 Star Defaqto rated comprehensive cover

More Than logo
5 Star Defaqto rated comprehensive cover

More Than Extra
5 Star Defaqto rated cover with legal and breakdown included

Minimum compulsory excess

£200

Minimum compulsory excess

£100

Minimum compulsory excess

£100

Optional

Breakdown cover

Optional

Breakdown cover

Breakdown cover

Optional

Legal Assistance Plan

Optional

Legal Assistance Plan

Legal Assistance Plan

Wrong fuel cover

Wrong fuel cover

Wrong fuel cover

Uninsured driver promise

Uninsured driver promise

Uninsured driver promise

Personal belongings cover

Personal belongings cover

Personal belongings cover

Courtesy car as standard

Courtesy car as standard

Courtesy car as standard

Theft and loss of keys

Theft and loss of keys

Theft and loss of keys

Windscreen cover

Windscreen cover

Windscreen cover

Personal accident cover

up to £5,000

Personal accident cover

up to £5,000

Personal accident cover

up to £5,000

Cover for audio equipment

Cover for audio equipment

Cover for audio equipment

24/7 emergency assistance

24/7 emergency assistance

24/7 emergency assistance

Child seat replacement

Child seat replacement

Child seat replacement

Ready to get a quote for car insurance

Car insurance cover explained

Jeep engine on fire.
  • Excess is the amount you pay towards the cost of a claim. It is made up of compulsory and voluntary parts. Compulsory is the amount we set. Voluntary is the amount you choose. The excess you pay will depend on the type of claim you’re making.
  • Breakdown cover - Emergency assistance to make your car roadworthy if it breaks down either at the scene or at a nearby garage. We have four levels of cover to meet your needs.
  • Legal Assistance Plan - If you're involved in a car accident that isn't your fault, would you need help with the cost of legal services, for example, to seek compensation for personal injury, loss of wages, or paying for an unnecessary excess?
  • Wrong fuel cover If you put the wrong fuel in your car, you'll be covered for damage to your engine. We can also drain and flush your tank too, to get you back on the road faster (excess applies).
  • Uninsured driver promise - If you're involved in an accident with an identified uninsured driver that wasn't your fault, your No Claim bonus won't be affected.
  • Personal belongings - damaged or stolen we'll give you up to £250 to replace mobiles, bags, etc. 

              • Guaranteed courtesy car to keep you moving when yours is being repaired at one of our recommended repairers. Excludes a write-off.
              • Theft and loss of keys - If your car keys are lost or stolen, we'll cover the cost of replacement keys and locks no matter what cover level you've chosen.
              • Windscreen and window repair - We cover loss or damage to any part of your windows or windscreen of your car (or any courtesy car we supply) plus any scratches to the bodywork caused by the broken glass. (excess applies).
              • Personal accident - Providing a lump sum up to £5,000 if you or your partner were involved in a life-changing accident.
              • Cover for audio equipment - In car entertainment - we will cover music, phones, sat navs, and DVD players, that you've added to your car post-purchase.
              • 24/7 emergency assistance - we'll never leave you stranded after an accident.
              • Child car seat replacement - If you are in an accident, we will replace your child's car seat even if it doesn't look damaged.

              When you need cover, we keep things simple

              We no longer offer third party, fire and theft car insurance. We now offer three comprehensive levels of cover designed to target a range of different needs and lifestyle. You can also enhance your policy with add-ons for extra peace of mind such as breakdown cover (Roadside assistance is included with MORE THAN Extra) or legal assistance (included with MORE THAN Extra). Our cover gives you more. More in the way of choice. No matter what you choose, we have you covered.


              Need additional cover?

              Legal assistance and Roadside assistance RAC breakdown cover are included as part of MORE THAN Extra. You can also add optional extras to our MORE THAN Essentials and MORE THAN car insurance covers.

              Family getting into car.

              Want low mileage or young driver insurance?

              SMART WHEELS young driver's insurance

              Join our smart drivers earning rewards. SMART WHEELS is purpose-built for young drivers who want affordable car insurance.

              LOW MILER low mileage insurance

              If you drive less than 7,000 miles per year our LOW MILER car insurance might be for you

              Why choose MORE THAN car insurance?

              As a MORE THAN customer you can also enjoy:

              Easy access to all your insurance documents 24/7 from your online account area

              A range of different covers to suit your needs including LOW MILER and SMART WHEELS

              A simple and straightforward process when accidents happen and you need to make a claim

              Getting a car insurance quote is easy

              Plus, our 14 day cooling-off period means if you decide not to continue with your policy, we won’t charge a cancellation fee. To get a quote you’ll need:

              About your car

              • You’ll need your car registration details, so have this ready. We should be able to find the exact make and model of your vehicle from your number plate, but these details are also found in your logbook (V5C). Also, think about where you intend to keep it overnight and your annual mileage as this may affect how much you pay.

                  About you

                  • We need details of your driver’s licence and your driving history. This means previous claims or convictions. If you know your no claim bonus (NCB) then we will apply any discount to your quote. If you don’t know what your no claim bonus is, contact your previous insurer to get this information.

                    About other drivers

                    • You may want to allow someone else to drive your car, then you’ll need their details too. Have their driving licence and claims and convictions history handy. Now you have everything to hand you’re ready to start your quote.


                      Car insurance groups and how they work

                      Higher performance cars with larger engines are generally considered a greater risk to insure than cars with smaller engines and therefore are placed in a higher group. There are 50 groups in total ranging from: group 1 e.g. Skoda Citigo SE – cheaper to insure, up to group 50 e.g. Bentley Flying Spur – more expensive to insure. Your car’s insurance group is not limited to but determined by:

                      • The cost of your car when new
                      • The cost of replacement parts, time and labour costs for your car
                      • Its performance, meaning 0-60mph acceleration and top speed
                      • Its safety features, e.g. test crash rating
                      • Its security features, e.g. alarms, immobilisers.

                      Find out more about insurance groups and how they work

                      Insurance costs explained

                      We’ll always try to keep you in the know, particularly when it comes to rising car insurance costs. Be aware of these factors…

                      Your age

                      As a rule of thumb, the younger you are the less experienced you are at driving. As you get older, you become more experienced and generally your premiums go down. However, as you get much older, the chance of you being involved in an accident rises, so your premiums may rise again.

                      Your car

                      This is one aspect where size really does matter. Larger cars are more expensive to insure than smaller run-arounds. They can potentially cause more damage in an accident. They’re usually more attractive to thieves, and have more complicated parts that are also more costly to repair.

                      Your driving history

                      Every year that you drive without having an accident, you will earn a year’s no claim bonus. You’re seen as a careful driver and this helps to keep your premiums low. Plus, the holder of a clean licence is regarded as less of a risk than a person with six points for speeding.

                      Cost of repairs 

                      Often manufactured abroad, the price of sourcing car parts can vary due to currency fluctuations. Plus, as cars become more technological, replacing parts such as a wing mirror (now fitted with blind-spot monitoring and indicator inserts) is more costly.

                      Ways to save money

                      Some factors to consider…

                      • Third party is not necessarily cheaper than comprehensive
                      • Black box insurance is a great way for young drivers to improve their driving while earning rewards
                      • A higher excess fee could help to lower your premium but you will have to pay more if you need to claim
                      • Paying your premium annually rather than monthly can save money
                      • Try to reduce your average annual mileage to reduce your level of risk
                      • Don’t modify your car unless strictly necessarily.