MORE THAN Car Insurance Reviews

Ratings based on 139 reviews Last review 2 days 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 (139)

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18th March 2019

Smart Wheels

I've read so many negative reviews of this insurance company, however I gave them a go for my first year of driving as they offered me the cheapest price by about £400! If you drive safely and within the 'rules' of the box, you will have no problems ...

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I've read so many negative reviews of this insurance company, however I gave them a go for my first year of driving as they offered me the cheapest price by about £400! If you drive safely and within the 'rules' of the box, you will have no problems with this insurance company. There was one occasion where a day of my journeys came out with a terrible score, however I received an email to say there was a system error on their part and these scores were amended. The customer service teams are extremely helpful over the telephone and go out of their way to make reccomendations and congratulate you on great driving. The only issue I had with this insurance policy was how expensive top up miles are. My scores have always hovered around the 8.6 mark, so in theory the top up miles should be relatively cheap. In the end I paid over £600 for these miles, so always overestimate on your predicted mileage at the start - it saves money in the long run.

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27th February 2019

MORE THAN you thought you were paying

Cons: ...

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Cons:
Inaccurate black Box
Extortionate excess miles price (£1260.69 for 4000)
The staff don't know how their system measures your driving score
The staff do not know how the system figures out mileage price

More Cons:
False driving scores
Secret Curfew on the box
Box thought I drove over the English channel for a spontaneous trip to France!

I purchased this policy because it had the cheapest premium, I looked at reviews and ignored them thinking that they can't be that bad. Ohhhh my god please don't make that mistake aswell. Getting a policy without a black box is a hell of a lot cheaper in the long run than a telematics policy. AVOID AT ALL COSTS do not buy into the infrastructure of this fraudulent company. This is as close to robbery as you can get without it resulting in a prison sentence.

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23rd February 2019

Scam

Black box is a joke, worst company ever with fake statistics, only had the black box fitted a week ago and it has already gave wrong scores, the first few days my driving score was 10+ and I went 2 mph over the speed limit and it suddenly dropped to...

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Black box is a joke, worst company ever with fake statistics, only had the black box fitted a week ago and it has already gave wrong scores, the first few days my driving score was 10+ and I went 2 mph over the speed limit and it suddenly dropped to -10. Is this for real?

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21st February 2019

YOURE PAYING MORE THAN YOU THINK

Wish I could put 0. Absolute con. So it DOES have hidden curfews, between 11pm and 6am you will get a bad bad score for driving, you could drive perfect, still get a bad score. Although this is when theres not a lot of traffic, and it isn't because...

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Wish I could put 0. Absolute con. So it DOES have hidden curfews, between 11pm and 6am you will get a bad bad score for driving, you could drive perfect, still get a bad score. Although this is when theres not a lot of traffic, and it isn't because it's dark, in winter it can be pitch black by 4pm so that's a load of codswallop. So if you dont want to be rushing home, or if you dokt work 9-5 jobs, choose a different insurer. The amount that we have payed to add more miles is a joke. PAYING for miles, in your own car? Really?? How is a new driver gonna know how many miles they will use? They don't, we have 8 months left, and only around 850 miles left, and cannot afford to add any more on to our monthly amount. The amount we are paying now after adding another 1000 miles, is THE same as without a blackbox.
Blackbox accuracy, NIL, several times we have called and waited for scores to go back after been given a -10 speed, and they've detected us as being on roads we weren't and said we were speeding, because of the different limits, eg one time we was doing 50 in a national, they detected us as being on a different road with a 30mph limit and give bad scores, no bad driving, just bad silly black boxes.
You slam on to not run a dog or child over, or avoid crashing into someone pulling out? Smoothness -10, GOOD ONE. Absolutely inaccurate money grabbing company
You say you're not very happy with some things and all they say is, "leave then", very helpful. Infact yes very, because when these miles are up, we will be cancelling and changing to a cheaper insurer, without a blackbox. Don't bother, you may see a cheaper price on quotes, but overall you will end up paying more!!!!

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8th February 2019

Auto renewed after cancelling auto renew! and took my money anyway!!

I am fuming! They have taken 565GBP WITHOUT my consent....

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I am fuming! They have taken 565GBP WITHOUT my consent.
Firstly their website didnt find my address when I bought the policy in 2018, so I had to phone and speak to an advisor. When I moved house, it was seamless. When I changed my car, again, it was easy to do so.
But to try and cancel the auto renew! What a joke! I tried to phone 3 times, no answers, I then contacted Linson via Live Chat and explained what I wanted to do. He accepted that I had cancelled the auto renew. But a few days after the due date, I contacted for my NCB. I logged in to find a new policy started in 2019 and that 565gbp was taken from my bank account. I phoned up, apparently I had asked to cancel THE auto renew, not to cancel ON auto renew!! I did exactly what the website tells you to do to not auto renew! I phoned up to cancel this policy as I had not authorised it, and to get a refund. I was told 4-5 working days for the money to be back in my account. 1 week later and I phone to see where it is.. its not been processed and will be in my bank account in 4-5 working days!! What an absolute joke! I asked for a manager and to be escalated. They said they might be able to do an electronic funds transfer.. WHY cant they do that to begin with!?

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4th February 2019

STAY WELL AWAY FROM MORE THAN SMART WHEELS INSURANCE ITS JUST ONE BIG SCAM

Insured my daughters car AUGUST 2018 with this company, thinking it was a reputable company! How wrong I was! I paid just short of £1000 pound for the 12 months with 5000 miles! Big mistake, which I had been warned by others and didn't listen. ...

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Insured my daughters car AUGUST 2018 with this company, thinking it was a reputable company! How wrong I was! I paid just short of £1000 pound for the 12 months with 5000 miles! Big mistake, which I had been warned by others and didn't listen.
She only had 1000 miles left just before Christmas, So being a good dad I called them to add more mileage, I couldn't believe I had to pay £175.00 for 1000 miles. After an hour on the phone with them explaining where she could improve ie don't travel after 11pm.
This Feb 18 my daughters scores for speed/smoothness has been 10/10, she's not driven after 11pm as advised, yet her usage would fail to get above 5 .All her driving has been local journeys and out of peak times! The black box doesn't benefit you for driving out of peak times and also in rural quiet area's.
I called them yesterday to get a cost for another 1000 miles, I WAS GOB SMACKED £180.00. The lady on the phone was pleasant enough but told me that making more than 7 journey's in 24hrs they would be penalised her for it, no matter how far she travelled in the journey? At no point were we made aware of this when I signed up to this over the phone, apparently its in your terms and conditions they send you! The ones that are that small you can't read!!!
THIS IS A TOTAL FARSE, THERE IS NO WAY YOU ARE GOING TO ACHIEVE 10/10 FOR USAGE UNLESS YOU LEAVE YOUR CAR PARKED UP PERMANENTLY.
My daughter has only been driving 5 months now, but watching her you would think she had been driving for some years, how can anyone gain experience if their being penalised for taking the car out. I was also made aware that if she had gained maximum points for the month it would of been £150 per 1000 miles at its best price.
THIS IS JUST A MONEY MAKING PIT, GIVE YOU A CHEAP QUOTE TO START WITH TO LURE YOU IN. I THOUGHT DICK TURPIN DIED ALONG TIME AGO!!!

BE WORNED IF YOU WISH TO USE YOUR CAR
DON'T INSURE WITH SMART WHEELS!!!!!

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25th January 2019

Black Box SCAM, Poor Customer Service

I chose MORE THAN as my first year insurance company as it was very cheap in comparison to all the other companies, BIG...

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I chose MORE THAN as my first year insurance company as it was very cheap in comparison to all the other companies, BIG MISTAKE!

Firstly my monthly payments were increased by £20 per month from changing to an address which gave me a much cheaper quote than my original address (this is not too big of an issue).

Secondly they say your usage score is only affected when taking lots of journeys or driving after 11pm which is fair enough however over the past few months I have been persistently marked down for driving my car at any time. Using my car from 2pm till about 10pm resulted in a - score which is disgusting.

I have been emailed asking to provide feedback on my insurance and my experiences only to be told I am wrong for providing my opinion on their service.

DO NOT RECOMMEND. PLEASE STAY AWAY EVEN IF THEY ARE YOUR CHEAPEST QUOTE. SHOP AROUND AND FIND SOMEONE ELSE EVEN IF IT COSTS AN EXTRA 100+ ANNUALLY.

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12th January 2019

Worst company ever!

Don’t fall in the same I trap I fell into! The price was very deceiving given that it was the cheapest insurance company for a new driver. Not only is their customer service poor, but the policy itself is terrible especially if you install a black b...

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Don’t fall in the same I trap I fell into! The price was very deceiving given that it was the cheapest insurance company for a new driver. Not only is their customer service poor, but the policy itself is terrible especially if you install a black box. They will score your usage down if you’re stuck in traffic for over an hour and if you drive after 11. If you can avoid getting a policy with them and go for a better alternative do so with no hesitation as you will save yourself from unnecessary stress, knowing that you’re paying a higher amount for a better and more professional company!

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1st January 2019

Poor Service.

Having insured my vehicle with another company, after cancelling my renewal with More Than, I was repeatedly sent letters and then threats. Despite several phone calls and reassurances from telephone operators that my policy was cancelled I continued...

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Having insured my vehicle with another company, after cancelling my renewal with More Than, I was repeatedly sent letters and then threats. Despite several phone calls and reassurances from telephone operators that my policy was cancelled I continued to receive letters from this company. Harassment and misery. Stay well away is my advice.

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24th December 2018

MORE stress THAN anything else

Absolute joke of a company and love with a great passion fu***** there customers up the ar** with there black boxes honestly they will shove it so far up there that it’ll be monitoring your heart rate MORE THAN your driving this company’s cheap for a r...

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Absolute joke of a company and love with a great passion fu***** there customers up the ar** with there black boxes honestly they will shove it so far up there that it’ll be monitoring your heart rate MORE THAN your driving this company’s cheap for a reason, cause if they weren’t the cheapest they wouldn’t have any business, they well and truly F***** me up the A*** and took £1700 for the privilege avoid please don’t make the same mistake I did cause I’ve now got a sore ring and I’m skint with no insurance

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22nd November 2018

Totally avoid

My driving is fine, I’m scoring 10/10 for speed and 10/10 for smoothness but because I use my car quite a lot (but still in the allocated mileage I was given) they mark you down so much so now my overall score is 2/10 purely for the fact I use my car a...

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My driving is fine, I’m scoring 10/10 for speed and 10/10 for smoothness but because I use my car quite a lot (but still in the allocated mileage I was given) they mark you down so much so now my overall score is 2/10 purely for the fact I use my car a lot, i rang up as I didn’t feel like it was fair and they told me if I use my car more than 4 times in a day I will get marked down, it is very Hard to get your score back up, you make one little mistake and they will bring your score straight down, but you drive perfectly for 3 weeks straight and your score will not go up st all, its a joke my insurance is up until in April and I will not be returning with them, also I went to Skegness on holiday about 4 and a half hours away from me, my car broke down while I was away and had to be towed home on the back of a tow truck, the engine was off I had the keys in my pocket so I know it was definitely off but because the tow truck was speeding and not very smooth they marked my score all the way down and marked down my miles because my black box picked up th tow trucks driving, apparently more than reckon my engine was definitely on and they could tell I was driving, it wouldn’t even start so I don’t know how they can tell it was definitely used it got towed 4 hours back to my house because I couldn’t drive it ridiculous!

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12th November 2018

dont expect More Than ZERO customer service

Found the company to be wholly unaccommodating and their contact procedure nothing but diversionary and obstructive. They Do not respond to emails and their phone system is an unfunny joke. Passed from pillar to post and only helpful when they want...

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Found the company to be wholly unaccommodating and their contact procedure nothing but diversionary and obstructive. They Do not respond to emails and their phone system is an unfunny joke. Passed from pillar to post and only helpful when they want your money. Have had to threaten them with Data Protection Act and the Financial Ombudsman. AVOID AT ALL COSTS.

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5th October 2018

keep away

Worst insurance company I have ever encountered and I have been insurancing my car for over 40 years. Keep well away. Pay at little extra and get yourself a good reliable trustworthy company. Read their terms and conditions carefully or you will be...

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Worst insurance company I have ever encountered and I have been insurancing my car for over 40 years. Keep well away. Pay at little extra and get yourself a good reliable trustworthy company. Read their terms and conditions carefully or you will be out of money like me within months and then having to find another insurance.The company is a big scam.Within a month of having the box fitted it was faulty and if your vehicle has not been driven for a while they send someone to check box saying its not working. In three months policy was cancelled and only reason given was because of driving style. Keep well away. Wish had read other reviews before taking insurance with them.

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5th October 2018

Keep Away

Worst insurance company I have ever encountered and I have been insurancing my car for over 40 years. Keep well away. Pay at little extra and get yourself a good reliable trustworthy company. Read their terms and conditions carefully or you will be...

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Worst insurance company I have ever encountered and I have been insurancing my car for over 40 years. Keep well away. Pay at little extra and get yourself a good reliable trustworthy company. Read their terms and conditions carefully or you will be out of money like me within months and then having to find another insurance.The company is a big scam.Within a month of having the box fitted it was faulty and if your vehicle has not been driven for a while they send someone to check box saying its not working. In three months policy was cancelled and only reason given was because of driving style. Keep well away. Wish had read other reviews before taking insurance with them.

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28th September 2018

Worst company ever!!!

No one go with this company! Worst company I’ve ever dealt with,worst customer service, had car insurance off them no confirmation email to say I had cover, the Monday I was meant to have cover showed up as no insurance phoned them and they said it w...

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No one go with this company! Worst company I’ve ever dealt with,worst customer service, had car insurance off them no confirmation email to say I had cover, the Monday I was meant to have cover showed up as no insurance phoned them and they said it was 13 different transactions ( as I previous tried but it kept knocking me off the payment page ) they said a new quote would of cost me the double amount, so I spoke to them and explained my suitation and it was nothing they could of done so I demanded all my information and payment to be taken off the system, A day later £450 was taken from my account but no email to say the insurance was confirmed, numerous of calls still no one did anything, said I was going to get an email 2/3 working days still nothing, now they phoned me saying they need proof of the money taken as they can’t see it on the account. Quick enough to grab your money but can’t do anything for you, avoid like the plague so glad I went with a different company and would rather pay the £30 more then go with this scam, fraud company!!!!

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25th September 2018

Awful insurers. AVOID

I went with Smart Wheels for my first insurance as it seemed cheaper. It ended up being £2000 for the year and it was a rip off! £600 deposit and then £130 a month. For what? For poor customer service, unfair scores and faulty boxes. ...

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I went with Smart Wheels for my first insurance as it seemed cheaper. It ended up being £2000 for the year and it was a rip off! £600 deposit and then £130 a month. For what? For poor customer service, unfair scores and faulty boxes.

They kept threatening to cancel my insurance if I didn’t let them check the black box... which I had never refused to let them do. They kept penalising me for speeding when I didn’t. The box is so sensitive that an emergency stop ruins your score. Suspiciously your scores get worse just before the end of the renewalperiod so you end up losing reward money. To top it all off... there IS a curfew even though they say there isn’t (11pm - your score drops to -10 if you drive past then) and they refuse to explain how they decide on how to score the different categories.

Avoid at all costs!

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17th September 2018

Day light robbery

Tried taking £140-odd twice at start of policy, even though it was £73 monthly instalments . Got through to them after an hour . They said all was sorted and my next payment would be £73 on 14th September 2018 . I then received a letter on 17th Se...

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Tried taking £140-odd twice at start of policy, even though it was £73 monthly instalments . Got through to them after an hour . They said all was sorted and my next payment would be £73 on 14th September 2018 . I then received a letter on 17th September that they cancelled my policy on 10th of September because I owed them £645 !!!!!!!!! They just plucked that figure out of the air! I was only with em for two months ! And I was effectively driving uninsured for a week without any knowledge of it! I’m only glad I didn’t stay with em any longer now I know all this . Avoid like the plague!

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