MORE THAN in 60 seconds
MORE THAN UK at a glance (2026)
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About MORE THAN
MORE THAN is the direct-to-consumer brand launched in 2001 by Royal & Sun Alliance (RSA), one of the oldest insurers in the world. RSA traces its history to 1710 and the founding of the Sun Fire Office in London, making it one of the longest continuously trading insurance companies anywhere.
The MORE THAN brand was created to give RSA a modern, customer-facing identity for personal lines (car, home, pet, motorcycle) while RSA itself continued to dominate the commercial market. The brand has built a reputation for award-winning claims service and is often a fixture in the top quartile of consumer satisfaction surveys.
Why the name MORE THAN?The brand promises "more than" basic cover. The original 2001 launch included free legal expenses, courtesy cars and pet vet support that competitors charged extra for.
Ownership: Intact Financial Corporation
RSA Insurance Group was acquired in June 2021 in a £7.2 billion joint takeover by Intact Financial Corporation of Canada (which kept the UK and international operations) and Tryg of Denmark (which took the Scandinavian business). MORE THAN now sits inside Intact's UK & International division. Intact is Canada's largest property and casualty insurer and is listed on the Toronto Stock Exchange under the ticker IFC.
Strategy: a focused personal-lines brand
Under Intact ownership MORE THAN has streamlined its product range. The brand has stepped back from price-comparison aggregators on some lines and focuses on direct sales through morethan.com and the MORE THAN call centre. The 2025 plan emphasises retention, longer no-claims-bonus protection and a refreshed pet insurance proposition aligned with Intact's Canadian pet book.
MORE THAN remains a separate trading brand from RSA's commercial lines and from Intact's other UK consumer brands (notably NIG for commercial broker business). All MORE THAN policies are underwritten by Royal & Sun Alliance Insurance Limited.
MORE THAN insurance: cover and prices in 2026
MORE THAN focuses on a small range of consumer products. Most come with a generous standard cover and tiered upgrades, plus a free 24/7 emergency claims line. The headline products are below.
The MORE THAN product range
MORE THAN Car Insurance
Comprehensive, third-party fire and theft, or third-party only. Standard policy includes a free courtesy car, uninsured driver promise and seven-day European cover.
- Up to £100,000 personal injury cover.
- No-claims discount protected up to five years.
- Lifetime guarantee on MORE THAN-approved repairs.
MORE THAN Home Insurance
Combined buildings and contents or standalone. Three policy levels (More Than Basic, Standard, More Than Premier) with rising single-item and accidental damage cover.
- Up to unlimited buildings cover on Premier.
- Up to £75,000 contents cover.
- Optional Home Emergency and Family Legal Protection.
MORE THAN Pet Insurance
Lifetime cover (Premier and Premier Plus), Time Limited (12-month) and Accident Only. Vet-fee limits up to £15,000 a year on Premier Plus.
- Multi-pet discount of up to 15%.
- Online vet service included on lifetime policies.
- No upper age limit once a pet is insured.
MORE THAN Motorcycle
Comprehensive or third-party fire and theft for motorcycles, scooters and mopeds. Helmet and leathers cover up to £1,000 included as standard on comprehensive.
- Cover for any rider aged 25+ named on the policy.
- European cover up to 90 days a year.
- Personal accident cover up to £5,000.
MORE THAN Van Insurance
Cover for private use, social and domestic plus commuting, or carriage of own goods. Tools-in-transit cover and a free seven-day courtesy van for business policies.
- Up to £3,000 tools cover.
- No-claims bonus protected up to four years.
- 24/7 claims helpline.
MORE THAN Landlord
Buildings cover for landlords, plus optional contents (for furnished lets), loss of rent and landlord legal expenses. Multi-property discount for portfolios of 5+ properties.
- Up to £50,000 loss of rent.
- Property owners’ liability up to £5m.
- Free 24/7 emergency helpline.
MORE THAN award track recordMORE THAN has won multiple Personal Finance Awards for Best Pet Insurance Provider, including five consecutive years in the Moneyfacts ratings. The brand frequently posts a higher pet claims-acceptance rate (around 95%) than the UK market average.
Making a claim with MORE THAN
MORE THAN claims are handled by RSA's UK claims team, with separate 24/7 lines for motor, home and pet. Most claims can be started online via the MORE THAN claims portal; complex losses are then handed to a dedicated claims handler. RSA publishes a UK personal lines claims acceptance rate of around 95%, in line with the wider market.
If you need to weigh up specialist alternatives for pet or motor cover, see our guide to UK insurance providers for a side-by-side comparison.
My MORE THAN: online account
MORE THAN does not currently publish a dedicated branded app; instead, customers manage policies through the My MORE THAN online account at morethan.com. From the portal you can view documents, change cover, add a driver, renew, make a claim or set up a direct debit.
- Sign in: by registered email and password.
- Forgotten password: reset by entering your email; MORE THAN sends a reset link.
- Multi-policy view: car, home, pet, motorcycle and van policies all sit under the same login.
- Claims status: in-portal tracking once a claim has been registered by phone.
Auto-renew is on by defaultMost MORE THAN policies set continuous payment authority by default. If you do not want auto-renewal, switch it off in your online account at least seven days before the renewal date.
MORE THAN customer service
MORE THAN phone numbers differ by product and by whether you are calling about sales, an existing policy or a claim, and they change over time, so we do not list them here. The reliable numbers for your cover are the ones MORE THAN publishes for you directly.
How to contact MORE THAN
- For customer service and for car, home, pet or motorcycle queries, use the number printed on your policy documents or shown in your My MORE THAN online account.
- The 24/7 motor and home claims lines are printed on your policy schedule and certificate of insurance, where they are kept up to date for your specific cover.
- You can manage cover, view documents, renew and start a claim through your My MORE THAN online account.
- The current numbers and contact options are listed on the official MORE THAN website.
Contact MORE THAN online
- My MORE THAN: log in at morethan.com for documents, changes and renewals.
- Live chat: available from the MORE THAN help pages during UK business hours.
- X (Twitter): send a DM to @MoreThan for general queries (never share policy or payment details).
- Email and complaints: use the secure contact form and complaints portal on the official MORE THAN website rather than a personal email address.
Writing to MORE THAN
MORE THAN policies are underwritten by Royal & Sun Alliance Insurance Limited; the current registered office is shown on the FCA Register. For policy correspondence and complaints, use the address printed on your policy schedule, as it routes your letter to the right team.
How to complain about MORE THAN
Raise the issue first with MORE THAN by phone, through My MORE THAN or in writing. If MORE THAN does not resolve the complaint within eight weeks, or you receive a final response you disagree with, you can escalate the complaint to the Financial Ombudsman Service free of charge.
Is MORE THAN a good insurer? Reviews and ratings
MORE THAN scores well on customer service and claims, particularly on pet insurance. The 2025 Fairer Finance ratings give MORE THAN pet a four-star rating for transparency and claims, and MORE THAN motor a three-star rating. On Trustpilot, MORE THAN sits at around 4.3/5 from over 60,000 reviews. That is comparable to RSA's other brands and ahead of several direct rivals.
The most common criticism in reviews is renewal pricing on motor: new-business quotes via the MORE THAN website are often lower than existing-customer renewals. Calling the retentions team before the renewal date usually unlocks a better quote.
If price is your priority, run a MORE THAN quote alongside our list of the best UK insurance providers before you renew.
MORE THAN news 2024–2026
- 2024: Intact Financial Corporation reports record UK & International operating earnings, with RSA and MORE THAN's combined ratio improving below 92%.
- July 2025: MORE THAN refreshes its pet insurance line-up with a new Premier Plus tier (vet-fee limit up to £15,000).
- October 2025: Intact migrates the MORE THAN policy admin platform onto Intact's Canadian-built Guidewire stack, speeding up claims first-touch resolution.
- 2026: MORE THAN extends its 24/7 online vet service to all lifetime pet customers at no additional cost.
MORE THAN timeline
- 1710: Sun Fire Office founded in London, the original ancestor of RSA.
- 1996: Royal Insurance and Sun Alliance merge to form Royal & Sun Alliance.
- 2001: RSA launches the MORE THAN consumer brand.
- 2003: MORE THAN Pet Insurance is launched and goes on to dominate Moneyfacts pet awards in the 2010s.
- 2015: MORE THAN withdraws from PPI legacy issues and refocuses on motor, home and pet.
- 2021: Intact Financial Corporation and Tryg complete a joint £7.2bn takeover of RSA; MORE THAN moves under Intact ownership.
- 2024: Intact's UK & International platform migration begins, modernising MORE THAN's claims systems.
- 2026: MORE THAN celebrates 25 years as a consumer brand.
MORE THAN FAQ
Yes. MORE THAN policies are underwritten by Royal & Sun Alliance Insurance Limited, authorised by the Prudential Regulation Authority and regulated by the FCA and PRA. Policyholders are protected by the Financial Services Compensation Scheme (FSCS): 90% of an insurance claim is covered with no upper limit on most general insurance products.
MORE THAN is a brand of Royal & Sun Alliance Insurance Limited, which has been owned by Canadian insurer Intact Financial Corporation since June 2021. The takeover was completed jointly with Denmark's Tryg, which kept the Scandinavian operations.
MORE THAN motor and home are not always available on price-comparison sites. The brand focuses on direct sales via morethan.com and the MORE THAN call centre, although pet insurance is widely available on aggregators.
You have a 14-day cooling-off period after taking out a new MORE THAN policy in which you can cancel for a full refund minus a small admin fee. After the cooling-off period, MORE THAN will keep the portion of premium covering the time on risk plus an admin fee (typically £25).
No, like nearly every UK pet insurer, MORE THAN does not cover pre-existing medical conditions. However, MORE THAN's lifetime policies will cover ongoing conditions year after year provided the policy is renewed without a break in cover.