Car insurance
Award-winning car insurance
Consumer Intelligence Award for Claims Satisfaction 2021*
- Submit a claim online 24/7
- 5 Star Defaqto rated Comprehensive cover from £347 a year**
Rating and price excludes MORE THAN Essentials cover. Price excludes optional extras and based on 51% of new customers purchasing. MORE THAN car insurance (comprehensive) 1 January - 30 June 2021.
Our comprehensive cover
We offer you more choice with three levels of comprehensive cover.
Our car insurance cover levels
MORE THAN Essentials
MORE THAN
MORE THAN Extra
Minimum compulsory excess
£200Minimum compulsory excess
£100
Minimum compulsory excess
£100
Breakdown cover
Breakdown cover
Breakdown cover
Legal cover
Legal cover
Legal cover
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 or loss of keys
Theft or loss of keys
Theft or 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
- Compulsory excess is the amount you pay towards the cost of a claim
- Breakdown cover - If your car broke down, would you need emergency assistance to make the car roadworthy either at the scene or at a nearby garage? (Roadside assistance included with MORE THAN Extra but excludes breakdown within one mile of your home address)
- Legal cover - If you're involved in a car accident that isn't your fault, would you need help with the cost of legal services? (Included with MORE THAN Extra)
- 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. Not included with MORE THAN Essentials)
- 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 (not included with MORE THAN Essentials)
- Personal belongings - damaged or stolen we'll give you up to £250 to replace mobiles, bags etc (not included with MORE THAN Essentials)
- Guaranteed courtesy car as standard with our comprehensive car insurance products (excludes a write off. Must use a MORE THAN recommended repairer
- Theft or 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, and replacement is included with all our cover levels (excess applies)
- Personal accident is included with all our cover levels. 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 (available on all covers)
- 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 lifestyles.
You can also enhance your policy with add-ons for extra peace of mind such as breakdown cover (roadside assistance 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.
Car insurance rated by experts
Need additional cover?
Legal assistance and the basic level of 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.
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 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
An award-winning* 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.
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 1 Jan - 30 Jun 2021.