MORE THAN Car Insurance Reviews

Ratings based on 153 reviews Last review 1 week 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 (153)

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20th August 2019

HORRENDOUS

horrendous company, missed payment which I had no notice of no email phone call or letter to say the direct debit had not gone through. Called up to ask a question about something today to find my policy had been cancelled on the 12th with no warning,...

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horrendous company, missed payment which I had no notice of no email phone call or letter to say the direct debit had not gone through. Called up to ask a question about something today to find my policy had been cancelled on the 12th with no warning, I received other general letters in between this time from smart wheels but no warning of policy being cancelled. When speaking to someone I checked my Junk to find an email on there well actually several emails all on the same day the 15th to confirm cancellation not warning of cancellation to tell me they already had cancelled it. no other correspondence. I asked if I can make the payment as I wasn't aware of it not going through and they said no sorry its already cancelled... maybe I should have read reviews as this is not the first time (cancellation with no warning) by the sounds of it especially to young drivers they know who to target.. I am already in contact with the ombudsman they wont be getting away with this scam much longer.... 750 initial payment and monthly payments of 125 i think they have had enough money out of me I am not needed any more....

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29th June 2019

Scam for young people

Have payed over £1000 in top up miles during my policy for them to cancel my insurance for exceeded mile usage (which I had intentions to pay for) when I phoned up to pay for the exceeded miles I was told that my insurance policy was cancelled and ...

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Have payed over £1000 in top up miles during my policy for them to cancel my insurance for exceeded mile usage (which I had intentions to pay for) when I phoned up to pay for the exceeded miles I was told that my insurance policy was cancelled and that the decision had been made by a higher power and there was nothing they could do! Lost my years no claims, my position as a driver in the company I work for and not to forget the 2 months insurance i had left on my policy. The inconvenience and stress this comapany has caused me is unbelievable... I wonder how much my insurance will be next year with a cancellation on my insurance record

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3rd June 2019

Appalling customer service

Absolutely appalling customer service,they leave you on hold for fifteen twenty minutes. Don’t take insurance out with this company! They used to have an English call centre,it sounds like they have our sourced to Africa as it’s hard to understand the ...

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Absolutely appalling customer service,they leave you on hold for fifteen twenty minutes. Don’t take insurance out with this company! They used to have an English call centre,it sounds like they have our sourced to Africa as it’s hard to understand the advisors.Quality poor.

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20th May 2019

Unlimited Mileage, total and complete and utter rubbish!

Go on the Smart Miles web site and what jumps out at you is unlimited mileage, Great I hear you say, dont be fooled its a con! You can have unlimited mileage if you are prepared to pay about £310 per every extra £2000 miles you need over your stated ...

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Go on the Smart Miles web site and what jumps out at you is unlimited mileage, Great I hear you say, dont be fooled its a con! You can have unlimited mileage if you are prepared to pay about £310 per every extra £2000 miles you need over your stated mileage amount. They do vaguely mention this in the tiny print that you're not meant to see of course!

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15th May 2019

RIP off insurance

Charging people £341 for an extra 1000 miles so they can drive their car up until near the end of their policy because they miscalculated miles....then insisting for another £177 for 500 more or they will cancel the policy in the last month

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8th May 2019

SCUM

Got a text to say my sons insurance was cancelled after 1 mistake that they deemed dangerous(it wasn't). He has averaged 10's over the last 8 months. The black box even gave crap scores sitting on the driveway ( he was on holiday). DO NOT USE YOUNG...

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Got a text to say my sons insurance was cancelled after 1 mistake that they deemed dangerous(it wasn't). He has averaged 10's over the last 8 months. The black box even gave crap scores sitting on the driveway ( he was on holiday). DO NOT USE YOUNG DRIVERS !!! IT MAY BE CHEAP BUT IT WILL COST YOU IN THE END AS POLICY WILL DOUBLE BECAUSE of automatic CANCELLATION !!! T***TS

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10th April 2019

1 Star does'nt do them justice!

1 star doesn't do justice! Terrible experience and will not be using them EVER!! AVOID AT ALL COSTS! V.Poor communication, rude staff, inconsiderate, call waiting take ages (30/45mins) then by the time you have spoken to them you're looking at being...

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1 star doesn't do justice! Terrible experience and will not be using them EVER!! AVOID AT ALL COSTS! V.Poor communication, rude staff, inconsiderate, call waiting take ages (30/45mins) then by the time you have spoken to them you're looking at being on the phone for over an hour! If your car goes for repair they will use Nationwide which have a 1 star rating and very poor reputation garage... Their slogan "Don't Accept Less Than More Than" well dam you are expecting a lot less!!

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9th April 2019

Money sucking vampires !!!!!!!

I have been insuring my dog with Mug em insurance company for three years now and each succeeding year they double the insurance. Granted my dog had a minor condition that has not resurfaced for a year, so I would understand an increase but this year...

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I have been insuring my dog with Mug em insurance company for three years now and each succeeding year they double the insurance. Granted my dog had a minor condition that has not resurfaced for a year, so I would understand an increase but this year they have doubled the cot from £45 a month to £100.
PEOPLE PLEASE your better off creating an account and saving it yourself every month with interest then support a business that is willing to bend you over and bugger you while smiling and telling you that you have no choice. YOU DO !!!!

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20th March 2019

Living nightmare

So I took out an insurance policy of 25k miles on the telematics policy due to my long commute to work, cost £1500 with a box on my first year on a relatively slow car. I am 7 months into the policy and have to date had 12 yellow speeding infractions, ...

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So I took out an insurance policy of 25k miles on the telematics policy due to my long commute to work, cost £1500 with a box on my first year on a relatively slow car. I am 7 months into the policy and have to date had 12 yellow speeding infractions, 2 red, and 1 black (cancellation). Every time one of these has happened I have contacted MoreThan and appealed as I’m not a fast driver. Out of the 15 infractions I was accused of committing (enough to be cancelled 4-5 times over), 1 yellow warning stuck, and even that is debatable. I got a dashcam to win appeals, but by the time they have texted me saying I have a warning I have already overwritten the video of the time they accuse me of speeding due to the delay in sending me a text informing me of the warning in the first place. I have won £50 in compensation from them for a couple of the warnings and plan on taking it further. Nothing about the black box is accurate, nothing about the policy is flexible due to the invisible curfews and smoothness scores in traffic, and the customer support have always been less than helpful. Only when I threaten legal action do I get anything from these people.
Avoid like the plague. If you can’t trust your black box or your son/daughters black box, how will you know how you/they drive? If you DO insist on going for MoreThan, get a dashcam.

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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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