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MORE THAN: Car insurance (discontinued) reviews

Name: Car insurance (discontinued)
Rating: 1.59 (234 reviews)

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1.53

Based on 234 reviews, last reviewed 9th Jan 2024

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

79%

Latest highest rating:

5

Good honest company Dealt with car insurance for change of cars immaculately Reviewed on: 12th September 2023

Latest lowest rating:

1

Insurers From Hell I fitted the device and all good. Decided to top up miles to be on the safe side and paid for 2000. extra miles. Teir next email failed to confirm top... Read more Reviewed on: 9th January 2024

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About this product

More Than has stopped selling new car insurance policies.

MORE THAN Car insurance (discontinued) reviews (234)

Review of the MORE THAN, Car insurance (discontinued):

Falsely cancelled policy

I took out a car insurance policy with more than smart wheels as it was the cheapest quote at the time and at the age of 18 you want to get on the road ASAP for work travel, etc. When I first rang to start my policy they said I needed to pay £845 basically just for them to say yeah we’ll insure you and then went on to paying a further £145 a month which as an apprentice is way too much but I managed. Then after about a month and a half I received an email saying I had been speeding and they were threatening to cancel my insurance, then not even 3 months after taking my policy out with them they send me another email falsely accusing me of speeding a second time and then said they were going to cancel my insurance altogether so I rang up and asked if there was anything I could do to which they said no as it had been confirmed with some team they’ve got who apparently assess the data the telematics box emits and say whether it’s right or wrong but after reading all the reviews from other young drivers who have gone with them it’s clearly a bullshit scam to rip off young drivers, make a load of money out of them then cancel their policy so they struggle to get insurance anywhere else and end up penny less for no apparent reason. Now I have received a from them saying I owe £28.12 with no explaination as to why I owe that amount and the letter even said they’d previously asked me for the amount when I’ve only even heard about it once on the “second” letter they had sent me regarding this payment. I rang up about it and they said if I don’t then it will affect my credit rating or some random crap they thought of at the time so I put in a complaint about it. 2 days later I got a phone call from them about this money I apparently owe and they said they’re willing to drop it if I remove my complaint however if I change my mind I can complain about it again in the next 6 months. Basically them admitting they were wrong to try and charge me this money and saying they’d write it off so they didn’t have to deal with the complaint. Everything they do and say it fake, stay away from these people, all they want is your money and to rip you off, as shown by WatchDog they are a con artists who’s black boxes show fake data which they use to penalise young drivers. STAY AWAY FROM MORE THAN! It’s a massive scam for any young driver! Reviewed on: 15th February 2018

Joke

Wouldn't even give 1 star if I could Absolute joke of a company, got car Insurance got 200 quid out of me for a deposit then told me there cancelling it with no warning that's when I phoned them, so yeah cancelled it all because I cancelled my insurance with my previous insurance, never received anything from my deposit back SCAM OF A COMPANY SO AVOID!!! Reviewed on: 17th September 2020

AVOID AT ALL COSTS!

First year with them as I’m currently 6 months into this insurance company, they are a scam I got my insurance with them and put 5000 miles which I thought was the lowest amount, for the lady on the phone to not tell me the min and max which states they should, used 2000 miles in 3 months as a first time driver you want to go explore and drive to places You’ve never been to before my insurance cost £72 a month which I could afford in my last job, then I added 2000 miles on to get to 7000 as they estimated I needed which I didn’t realise I didn’t so that was £200 odd pound upfront with a admin fee of £25 which took my direct debit upto £84 which was still a reasonable price, then enquired about business insurance And 3000 miles added on top and also enquired about changing my occupation to care assistant to then be told a quote of just under £1000 upfront with admin fees so of course I didn’t go for that job and told her to leave it , then month later my insurance went up to £97 to be told on the phone she added everything on and we was charged as I explained I was enquiring to be refunded £15 which was a joke really, then enquired about changing my address to a few miles down the road to be quoted £275 with a admin fee of £25 and my insurance to go up to £157 a month as apparently it’s a bad area compared to the one I’m living now even though it’s roughly the same area, then enquired about adding mileage once more as I’ve only got around 2400 left to last me till February 2021 and got qouted £387 upfront and a £25 admin fee for my insurance to go up to £173 something, I would not recommend at all even if you do 1mph over the speed limit you get a bad score your constantly checking your speedometer and if you go slow you get a bad score too, it’s a absolute joke suppose to be for affordable for young people and they just scan money out of you, even when I stayed at my partners house during lockdown due to working with the public in retail I didn’t wanna pass anything on to my parents I was staying there for roughly 3/4 months to prevent the spread , they only just informed me last week that they would cancel my insurance for the over night parking No communication just a text no email to say about a accident that I’d had which wasn’t my fault due to someone running up the back off me and I didn’t claim as not much damage they didn’t once get in touch with the 3rd party to see if they was claiming had to ring that persons insurance up myself to have the open claim took off had to call more than up my self to see what was going on still can’t get a temporary insurance on my parents car like I normally do to save my mileage when going long distance absolute joke , DO NOT RECOMMEND PLEASE AVOID AT ALL COSTS!! MONEY GRABBERS!!! Reviewed on: 25th August 2020

SCAM!!!! AVOID

This company is a scam, tried to charge nearly £400 for change of address and then also increased the purchase of extra miles to over £2000, how are youngsters expected to afford these extortionate prices especially during COVID, We now have a vehicle parked up and can no longer drive due to the above given quotes, absolutely disgusting Reviewed on: 25th August 2020

Scam artists in the extreme!

They charge £51 just to update your address, even if you move a few doors away. £25 for the admin fee and £26 for the address change itself. Insurance companies should be illegal. The fact we have to pay these crooks money is diabolical, but More Than even more so. They're the worst of the worst! If you need insurance, go with the Farmers Union. At least, there, the money spent is ethically used, and anyone can use them. Reviewed on: 20th August 2020

ANNUAL RIPOFF

Every year MORE THAN put up my quote. I check the price comparison sites and tell them the competitive price. They then reduce their quote! Reviewed on: 14th July 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 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. Reviewed on: 21st June 2020

Absolute crap

Spent 10 minutes constantly entering details on their jerky worthless website. When tried to enter payment wouldn't accept. Absolute crap Reviewed on: 16th June 2020

Good insurance for young people if you get a black box

Good insurance for young people if you get a black box, did cost a bit more than I wanted to change cars Reviewed on: 7th 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 calculate properly at all Reviewed on: 6th June 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 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. Reviewed on: 30th May 2020

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