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MORE THAN Car Insurance Reviews

Ratings based on 180 reviews Last review 3 weeks ago

MORE THAN car insurance reviews on Smart Money People come from drivers like you! You can read these honest MORE THAN car insurnance reviews to help you decide which car insurance provider is right for you...and your car! For example, read through our...

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MORE THAN car insurance reviews on Smart Money People come from drivers like you! You can read these honest MORE THAN car insurnance reviews to help you decide which car insurance provider is right for you...and your car! For example, read through our review to find out how good the claims process. And remember, if you've used MORE THAN before, you too can write a short MORE THAN car insurance review here to help other drivers. Smart Money People is the UK's leading financial services review site. Together, we can help us to increase trust and transparency in financial services.

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Your Car Insurance Reviews (180)

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21st June 2020

Horrendous Company

Had a telematics policy with them for 1 year, during which time i had one accident that was judged to be non-fault and was entirely settled by the 3rd party. I was re-assured that my no claims discount would be unaffected and yet upon cancellation i...

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Had a telematics policy with them for 1 year, during which time i had one accident that was judged to be non-fault and was entirely settled by the 3rd party. I was re-assured that my no claims discount would be unaffected and yet upon cancellation i was sent a document stating that i had 0 years NCD with them. I was also lied to about a renewal quote, the customer service rep i spoke to was insistent that one had been sent to my email address but i received no such thing - they then went ahead and renewed the policy anyway. Finally, after cancellation of the policy i logged in to the dashboard and found that the black box was still recording journeys after the cancellation date of the policy! I would advise anybody thinking of taking out a policy with More Than to stay well clear.

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6th June 2020

Do not use black box

ABSOLUTELY AWFUL BLACK BOX I have not once sped anywhere in my car as I would never like to be in risk of a speeding ticket or not drive safely, I am constantly given -10 point every single day for no reason, very unhappy as this black box does not...

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ABSOLUTELY AWFUL BLACK BOX I have not once sped anywhere in my car as I would never like to be in risk of a speeding ticket or not drive safely, I am constantly given -10 point every single day for no reason, very unhappy as this black box does not calculate properly at all

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30th May 2020

An insurance company that makes up their Terms and Conditions as they go along

I would strongly urge anyone considering taking out a vehicle insurance policy with More Than / RSA to go elsewhere. I was a named driver on a company policy where the limited company was the owner, registered keeper and policyholder. The vehicle was...

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I would strongly urge anyone considering taking out a vehicle insurance policy with More Than / RSA to go elsewhere. I was a named driver on a company policy where the limited company was the owner, registered keeper and policyholder. The vehicle was stolen from the company's registered business address overnight, and all I did , was report the theft on behalf of the limited company. Everything appeared fine until I tried to renew my personal insurance, where I found that RSA had put me on the CUE check list as the "driver" of the limited company vehicle, and that I had an "at fault" claim. On complaining to RSA, they said that the last driver should have been asked for, and that on theft they log the last driver as the named driver responsible. I clearly explained that the last driver was unknown, had not been asked for, and there was no legal text anywhere in the Terms and Conditions to state the last driver would be held responsible on theft. I escalated my complaint with RSA, and even involved the CEO, Mr Stephen Hester, but their final response denied my complaint, stating that it "appeared" I was the last person in charge of the company vehicle, and that policy wording would not specifically state the last driver will be logged as the named driver on theft. They then go on to state the personal information posted about me on the CUE system is factually correct. My understanding of contract law is everything must be in the Terms and Conditions at the inception of business, not something that can be altered or made up by one party as the contract goes along to suit their ends. When the last driver or driver in charge is not specifically given or asked for, and although RSA may want it to "appear" that they have determined who that individual may have been to suit their "procedures", it most certainly cannot be deemed to be "factual". RSA have effectively made two entities financially responsible for one incident, which only the policyholder should be held liable for. The ramifications of this are horrendous for every last driver / in charge individual of a vehicle insured by RSA on theft, where the vehicle is owned, registered and the policyholder is another person or company. I will be checking every vehicle I drive in the future that it is not insured by RSA, and will never do business of any kind with them again, as their "procedures" are created to cause as much financial damage as possible to their customers. My complaint is now with the Financial Ombudsman.

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24th May 2020

Black-listed my details

AVOID AVOID...

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AVOID AVOID AVOID!

These morons took my deposit when i cancelled the insurance my self due to running out of miles and being quotes £850 for 1000 more miles which is silly! I was 17 at the time and they really need to ask themselves what 17 year old is capable of paying almost a grand every 1000 miles?

The score system was stupid couldn't even do 30 mph without getting a bad score. Not to mention the usage! As a young driver, having your license is a sense of freedom to the start of an independent life. It is normal to go out frequently or to just go for a drive. I mean come on now that's why i paid 2.8k, TO USE MY VEHICLE TO DRIVE! This company is absolutely pathetic!

When i had cancelled my insurance due to the reason above i did not get a single penny of my deposit back one bit! Total conniving thieves. How do you sleep at night scamming young drivers in the UK? Young people who struggle with finances; totally ripping them off, stripping away their minimum income. When i had tried to make another quote after cancellation i strongly believe they blacklisted my details on the database that insurance companies use to run previous records of your driving. Just so i could struggle searching for insurance again? How low could you really go?

Forgot to mention they gave me two strikes for doing an alleged "3" mph over the speed limit which is absolutely fine according to the law! As according to ACPO guidelines the prosecuted limit is the speed limit plus 10 per cent plus 2mph, which means normally cases are only dealt with when the speed is 35mph and above. I was doing 33 guys!

AVOID AVOID AVOID!

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18th April 2020

Cancelled insurance during coronavirus

They cancelled my insurance during coronavirus outbreak without any reason and I had three months till my insurance policy was to finish they just want the money, not worth getting insured with them, they cancel you when they feel like it

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23rd March 2020

They will cancel your insurance before even making a call

I made the admin error of emailing them the wrong doc to verify my no-claims bonus. Their token attempt at sorting out the problem was neither to send one single email or make one single phone call. They posted a letter that I missed and my goose was...

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I made the admin error of emailing them the wrong doc to verify my no-claims bonus. Their token attempt at sorting out the problem was neither to send one single email or make one single phone call. They posted a letter that I missed and my goose was well and truly cooked. They cancelled my insurance and refunded me the remaining months and refused to allow me to send the missing doc and have me back with them. Now every insurance company wants to overcharge me because I have been refused by one of their mates- regardless of the reason. Their policy was cheap- and so was their service- which has ended up being very expensive for the rest of my car-insuring days. Avoid!

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10th March 2020

Worst Comapny in the World!

Morethan are a scam company that tried to over double my renewal price to £3000. They take advantage of young drivers and their customer service is useless. Its like speaking to a brick ...

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Morethan are a scam company that tried to over double my renewal price to £3000. They take advantage of young drivers and their customer service is useless. Its like speaking to a brick wall.

They also scammed me of my no claims bonus and paid out someone on a claim where i was not at fault.

Save your self the hassle and avoid this company for insurance.

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18th February 2020

Can never log in

I can never sign in to my account I have changed my password loads of times, then try to log in a few days later , and it want let me. I want to buy a new car, to change my details on my account is free, but ring up and the charge u £25 pounds. I ...

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I can never sign in to my account I have changed my password loads of times, then try to log in a few days later , and it want let me. I want to buy a new car, to change my details on my account is free, but ring up and the charge u £25 pounds. I think they do this on purpose. Has anyone else had this problem

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30th January 2020

Useless

Had been waiting for my no claims for a week ,when I called again I explained I needed it as my new insurance would cancel me .I was told it would take 2 days to come through email , but no a week later ! And when I called and said it’s a joke other c...

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Had been waiting for my no claims for a week ,when I called again I explained I needed it as my new insurance would cancel me .I was told it would take 2 days to come through email , but no a week later ! And when I called and said it’s a joke other company’s do it there and then and asked to be put through to the department that do it I was told no ,if they ask again it’s going to take longer !!!!!!! When they finally sent it they sent it to the wrong email Address

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29th January 2020

The pros and cons

As a new young driver I took up the cheapest insurance which was more than smart wheels....

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As a new young driver I took up the cheapest insurance which was more than smart wheels.
To be honest, I can’t fault them for anything such as cancellations like others. My only fault with the ‘useage’ with the useage I just assumed it was just a curfew but later discovered you can only stop and start your car 6 times in 24 hours, you are also not allowed to drive long journeys, I got stuck in traffic one day after work coming home from my 25 minute journey took an hour and one minute to be exact and my useage score took the hit
Curfew is 11pm to 5am which is better than most boxes.

Speed tbh they let me go like 10mph over before marking me down
Smoothness, couldn’t fault that and I’m not the best drivers, I question how I passed daily hah

My only reason for cancelling was the useage as I like going on long journeys in the summer, and the 6 times stop and starting my car wasn’t convenient for me but if it is for you, I would recommend the box if you don’t mind the useable requirements

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28th January 2020

Awesome customer service and operations!

My insurance got cancelled due to me overlooking my policy details. My insurance got cancelled but I had great support and answers to my questions afterwards. Got an email a week later detailing my charges/fees which weren't much at all. Really good...

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My insurance got cancelled due to me overlooking my policy details. My insurance got cancelled but I had great support and answers to my questions afterwards. Got an email a week later detailing my charges/fees which weren't much at all. Really good company.

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8th January 2020

Cancelled my car insurance policy with no notice at all!

Cancelled my car insurance policy with no notice at all! Said documents had been uploaded online which I explained there system doesn’t let me view online documents and comes up with an error message each time saying server exception!

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14th December 2019

I hate this company

More than smart wheels will take every penny they can from you, while having some of the worst customer service I've ever experienced. The app is rubbish and crashes every time I use it, and they threatened to cancel my policy because I was parking my...

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More than smart wheels will take every penny they can from you, while having some of the worst customer service I've ever experienced. The app is rubbish and crashes every time I use it, and they threatened to cancel my policy because I was parking my car in a different postcode to the one stated, when in reality it was ten metres from my stated address. Talking to them on the phone is a painful and fruitless task, and I've spent a small fortune on topping up my miles after getting a job in a different county. If you have any choice, steer well clear of this horrible, exploitative company.

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22nd November 2019

rip off add on charges ie want £25.00 just to take you money

went to buy add on miles wanted a £25.00 fee to take my money RIP OFF they call it admin fee if you went in a shop and brought a loaf bread and the asked for a £1.00 admin fee you would tell them where to stick it, almost makes you want to vote for J...

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went to buy add on miles wanted a £25.00 fee to take my money RIP OFF they call it admin fee if you went in a shop and brought a loaf bread and the asked for a £1.00 admin fee you would tell them where to stick it, almost makes you want to vote for Jeremy Corbyn

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8th November 2019

Change of insurance

Totally useless!!! 5 phone calls ( each time having to explain what needed).Put on hold several times, got cut off several times and also tried online which also crashed. Only wanted to change my insurance onto a new car....surely that's an every day...

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Totally useless!!! 5 phone calls ( each time having to explain what needed).Put on hold several times, got cut off several times and also tried online which also crashed. Only wanted to change my insurance onto a new car....surely that's an every day occurrence in insurance?? Very unprofessional, will never use company again. Overseas call centre. Hopeless, avoid if possible

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8th November 2019

DO NOT USE MORETHAN

MORE-THAN BLACK BOX INSURANCE- BEWARE...

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MORE-THAN BLACK BOX INSURANCE- BEWARE !!!
DO NOT.. DO NOT TAKE OUT BLACK BOX CAR INSURANCE FOR A NEW DRIVER WITH MORE THAN !!!
WE TOOK OUT THIS INSURANCE FOR OUR SONE AND HE HAD A DRIVER IN SLOW TRAFFIC BRAKE IN FRONT OF HIM WHICH CAUSED HIM TO TOUCH HIS BUMPER AT AROUND 3 MPH ( according to the telematics black box), THIS WAS A CRASH FOR CASH SCAM YET MORE THAN HAVE PAID OUT THE FRAUDSTER ALMOST £3500.00 FOR A SCRATCH ON A BUMPER AND GET THIS...... ALL WITHOUT NOTIFYING MY SON AT ALL UNTIL WE ASKED AT RENEWAL WHY HIS PREMIUM WAS SO HIGH !?!!!!
MORE THAN WILL PAY OUT CLAIMS WILLY NILLY AND NOT LET THE POLICYHOLDER KNOW... WEBATE IN COMPLAINT PROCESS AS WE SPEAK WITH THE FCA AND OMBUDSMAN...

DO NOT USE MORE-THAN BLACK BOX INSURANCE !!!!

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8th November 2019

SO NOT BUY MORETHAN INSURANCE

MORE-THAN BLACK BOX INSURANCE- BEWARE...

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MORE-THAN BLACK BOX INSURANCE- BEWARE !!!
DO NOT.. DO NOT TAKE OUT BLACK BOX CAR INSURANCE FOR A NEW DRIVER WITH MORE THAN !!!
WE TOOK OUT THIS INSURANCE FOR OUR SONE AND HE HAD A DRIVER IN SLOW TRAFFIC BRAKE IN FRONT OF HIM WHICH CAUSED HIM TO TOUCH HIS BUMPER AT AROUND 3 MPH ( according to the telematics black box), THIS WAS A CRASH FOR CASH SCAM YET MORE THAN HAVE PAID OUT THE FRAUDSTER ALMOST £3500.00 FOR A SCRATCH ON A BUMPER AND GET THIS...... ALL WITHOUT NOTIFYING MY SON AT ALL UNTIL WE ASKED AT RENEWAL WHY HIS PREMIUM WAS SO HIGH !?!!!!
MORE THAN WILL PAY OUT CLAIMS WILLY NILLY AND NOT LET THE POLICYHOLDER KNOW... WEBATE IN COMPLAINT PROCESS AS WE SPEAK WITH THE FCA AND OMBUDSMAN...

DO NOT USE MORE-THAN BLACK BOX INSURANCE !!!!

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6th November 2019

Scam

My 18 year old sons insurance was cancelled without us being informed, we are down £250, it was one excuse after the other from the unprofessional staff at the call centre, we received no straight answers. I would never recommend this company to a ...

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My 18 year old sons insurance was cancelled without us being informed, we are down £250, it was one excuse after the other from the unprofessional staff at the call centre, we received no straight answers. I would never recommend this company to a young person. My son is distraut because of this company.

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