Car insurance
Award-winning car insurance
Consumer Intelligence Award for Claims Satisfaction 2021*
- 5 Star Defaqto rated Comprehensive cover from £375 a year**
- Submit a claim online 24/7
** 5 Star Defaqto rated 2021. Excludes optional extras. Based on 50% of new customers who purchased annual Comprehensive cover.
Consumer Intelligence Award Winners 2021
We go that extra mile to deliver outstanding service, especially when you need us most. When accidents happen, we'll work hard to ensure your claim is processed with the minimum of fuss. So, we’re delighted that our customers recommended us for Claims Satisfaction*. Thank you, from the team at MORE THAN.
What's included in our car insurance cover
Comprehensive insurance
Personal accident cover
Personal belongings cover
Child car seat replacement
Wrong fuel cover
24/7 emergency assistance
We won’t leave you stranded after an accident. Our cover includes a 24/7 freephone helpline.
Uninsured driver promise
If you're involved in an accident with an identified uninsured driver that wasn't your fault, and you're able to provide the registration and description of the other vehicle, you'll keep your no claim bonus and you won't pay an excess.
Windscreen repair
Whether it’s an annoying chip or a worrying crack, we will repair or replace your windscreen at the side of the road or at your home address. With our windscreen cover insurance, you’ll pay just £10 towards a repair and £75 for a complete replacement.
Courtesy car
Available as standard when you use one of our recommended repairers. Excludes a write-off.
When you need cover, we keep things simple
We offer two levels of car insurance:
Comprehensive cover
If an accident is your fault or someone else’s fault or we don't know whose fault it is. You'll be covered (exclusions and restrictions may apply). That’s cover for damage to another person’s car and your own.
Third party, fire and theft
You’re covered for damage or injury you cause to another car or person. You're also covered if your car is stolen, broken into or suffers fire or theft damage (exclusions and restrictions may apply). You’re not covered for damage to your own vehicle.
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Class-leading car insurance rated by experts
Need additional cover?
You can add to your MORE THAN car insurance policy by selecting extra cover options to suit your needs
Legal assistance plan
Take the worry out of unexpected legal issues. Add our plan which includes up to £100,000 legal expenses and representation cover.
No Claim Bonus protection
Unlike some insurers, with our optional No Claim Bonus protection we will not reduce your No Claim Bonus regardless how many claims you make! Subject to eligibility.
RAC breakdown cover
Breakdowns are stressful. They come at the worst times – leaving you stranded, and late for your day. So when your vehicle lets you down, it’s great to know you have breakdown cover which you can rely on.
Want low mileage, multi-car 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.
Multi-car discount insurance
Do you have more than one car in your household that you would like to insure while saving money?
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?
We recently won the Consumer Intelligence 2021 Award for Claims Satisfaction, voted by drivers*. We strive to ensure your claim is hassle-free. As a MORE THAN customer you can also enjoy:
Existing customer benefits
If you already have other insurance with MORE THAN, you’ll get 15% off your new car insurance quote - Excludes MORE THAN SMART WHEELS and MORE THAN LOW MILER.
Different types of cover
A range of car insurance to suit your needs with LOW MILER or SMART WHEELS.
Our existing customers get a 15% discount
Discount applied automatically. Standard conditions and minimum premiums apply. New policies only. Revoked if first policy cancelled. We may withdraw or replace offers at any time. Excludes MORE THAN SMART WHEELS and LOW MILER.
Ready to get a quote for car insurance
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
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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 the policyholder will earn you 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
- Paying your premium annually rather than monthly can save money
- Try to reduce your average annual mileage to reduce your level of risk
- Consider multi-car insurance for your household
- Don’t modify your car unless strictly necessarily
Useful guides
Important information
*Consumer Intelligence Award Winner 2021 for Claims Satisfaction. Motor insurance category. Recommended by customers. 81% of motor customers scored us 8 out of 10 or higher for Claims Service.
**MORE THAN data 01 Jun - 31 Dec 2020.