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MORE THAN: Home Insurance reviews

Name: Home Insurance
Rating: 2.72 (120 reviews)

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2.58

Based on 120 reviews, last reviewed 5th Sep 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

30%

13%

48%

Latest highest rating:

4

Freezer insurance they paid out without any issues. Freezer insurance they paid out without any issues. No receipts were required and they paid out within a few days. :) Reviewed on: 5th September 2025

Latest lowest rating:

1

Wont cover any white goods. Wont cover any white goods. Only weather damage and burst pipes Reviewed on: 18th January 2025

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About this product

Although not legally required, home insurance is vital for protecting your home and belongings. With a wide range of insurers on the market, finding the right one can be a challenge. We collect MORE THAN home insurance reviews to provide you with valuable insight into the provider.

MORE THAN offers buildings cover, contents cover and a combined policy with both. You can choose between Primary cover and Upgraded cover depending on your needs. Make your policy even more secure with a variety of add-ons. These include personal money cover for when you’re out and about, bicycle cover, accidental damage cover and more.

Finding the right home insurance policy is important, but finding a reputable provider is also key to success. Learn what genuine policyholders have to say by reading our MORE THAN home insurance reviews. See how satisfied customers were with their Primary policies as well as those who chose an Upgraded policy. Learn how well MORE THAN serves its customers to decide if it's the right provider for you.

Have you had a home insurance policy with MORE THAN? Did you take out a buildings, contents or combined policy and did you opt for Primary or Upgraded cover? How satisfied were you with your choice, and would you say that your premium was reasonably priced? What made you choose MORE THAN as a provider, and would you renew your policy? Did you need to make a claim, and if so, how well was it handled?

Write an honest MORE THAN home insurance review today. Together, we can help people like you make better decisions.

MORE THAN Home Insurance reviews (120)

Review of the MORE THAN, Home Insurance:

Useless

I made my first call for an emergency plumber at around 7.45am and received a text saying the plumber would arrive by 5pm (they said this was longer than the expected 4 hour window due to high demand). I explained there was a hole near my boiler which was leaking water and had bored through the ceiling. I called back at twice at 4.30pm and 5.15pm to chase up the plumber and to report further water leakage through the ceiling and light fittings in my kitchen. At 7pm I called again and was advised someone would come 'very soon'. At 10pm no action had been taken. I called again to explain the situation was only worsening, I didn't know whether I could use my boiler so was very cold in my house and we had had to switch off the water tap hours ago to prevent the dripping. There is now water damage on my ceiling. Then only £200 for an emergency night time call out was guaranteed for using an own tradesman despite this being a totally unrealistic number. Apparently every time your trades people were contacted it was reported to me that they were unreachable (and going to voicemail) with no back up plan or alternative source of traders, leaving me no choice, but to call an independent tradesman as the problem was urgent and worsening. I think in a big city like Manchester, having only one source of tradespeople is not good enough and ultimately led to a complete lack of service, despite me having paid for my insurance. I then had to call back at 11pm to report this to the network manager and explain the costs were more than double (£445 Vs £200). After 1 hour on hold with no updates and at a quarter last midnight I gave up and hung up. I think the above is very unacceptable: I was unable to leave the property all day, had to cancel work meetings to be on hold to try and sort the situation out. I was unable to have a shower or flush the toilet. I had to call 6 times in one day, several times being placed on hold with no updates for 35 minutes at a time (on at least 3 calls) and in the end there was ultimately no service in an emergency situation and I had to sort it out myself. I was advised on the final 10pm call that it was extremely unlikely that a plumber would attend my property until the next day. At 7.45am I could have independently sorted this out immediately (the plumbers I called arrived within 30 minutes and sorted the job out within an hour) and avoided further water damage, had I not been beholden to use your tradespeople and extraordinarily slow 'emergency service'. This is my first ever call out with More Than and I am incredibly disappointed. Reviewed on: 16th February 2021

Untrustworthy and deceitful

I have just found that there is a blocked drain at my home, the main outlet to the public sewer, with raw sewage gathering in the garden. The local water board were very helpful and tried to clear it at no charge but, because the blockage is on my property, could do no more. I was not too concerned because I had a MORE TH>N (part of RSA) Home Insurance policy, for both contents and buildings cover, and also including something called Home Emergency Assistance. The wording of the policy describing what is covered by Home Emergency Assistance left me in no doubt that this situation would be covered and I confidently called MORE TH>N. I was then told by MORE TH>N that this situation would not be covered, the reasons being that there was no damage to the inside of the property and no risk to health and safety etc. Given that the nature of the blockage is that all the drains in and around the house appear to be backed up with gurgling noises are coming from the downstairs sink drains and toilet, it sounds to me as if it is highly likely that sewage will start to come into the house through these. Yet, I was told, this is not considered an emergency! It was suggested that if something changes and damage results that I call back! Essentially, I was on my own. How is that for customer care? On the basis that this situation is not covered, I feel that I have been misled into buying this insurance policy. I have just looked at some of the other reviews of this company. I wish I had looked before taking out the policy! Be warned. This is not a company I would ever do business with again. I have awarded 1 star because it wasn't possible to give no stars....but that is what they truly deserve. Reviewed on: 3rd December 2019

POTENTIAL POLICY BUYER BEWARE

***POTENTIAL POLICY BUYER BEWARE*** These guys will up your renewal by 200% if you auto renew. That wasn't the end of it for me as I cancelled before they had taken payment. I've had 5 phone calls to reinstate my 8 years no claims bonus, where I have been told different things on each call. Now on the fifth call currently where I've been on hold 10 minutes. Asked what time the complaints department were open, the advisor responded "today." Now advised that they open at 0900 and she will put me on hold for the 4 minutes until then... Useless, useless, useless. Postscript - still on hold 10 minutes later and 6 minutes after the complaints department are supposedly open. Customer service is outsourced to South Africa where they seem clueless (poor training). Spoke to resolution team in Sunderland who advised the notes -from outsourced foreign contact centre- he had read made no sense regarding my query. Needless to say he resolved the issue and emailed within a few hours. All in all what should have been a 48 hour turnaround (to get a letter confirming my correct NCB) was turned into a two week nightmarish hassle. DO NOT USE Reviewed on: 22nd November 2019

30 years and my policy more than doubled

I was with more than over 30 years. I have had 1 claim for less than 300 4 years ago. Last year they doubled my premium to over 70 month. I only live in a 2 bed terrace, no kids decent area, not London or city centre. They reduced it to 52 but was still 15 more a month more. This year they wanted 73. Attitude of CC advisor on phone was terrible. They then asked me to do a text questionnaire but wanted to charge for every answer I sent. Gone with direct line. Better cover and 35 month. Reviewed on: 23rd July 2019

Quick easy and cheap

Really quick process to switch over to morethan, and was one of the cheapest options! Reviewed on: 22nd July 2019

Excellent cover for a good price

Been with more than insurance for many years for both contents and house cover. Always been happy with the great service I have received and always do a price search when I get my renewal , and find them very competitive. Good friendly customer service when I have had to contact them ,and highly recommend their quality service . Reviewed on: 21st July 2019

Agreed to Settle then refused to pay up

Accident cover & and claimed for a damaged TV, said they would post out voucher to spend at Currys... never arrived citing wrong email address yet I used same email address to join more than home insurance LOL.. 3 weeks later and still no sign of payment but same old excuse blaming wrong email address. Then blaming me... Refused to post out nor send any correspondence relating to my claim which was completely suspicious and irregular These guys are criminals and should be reported to FCA Stay well clear Reviewed on: 30th April 2019

Very very poor terrible service

Very very poor ! Don’t stand over there offers! They told me the wrong excess, agreed a claim settlement then realised they had made an error and wouldn’t stand over it. I won’t be renewing my policy. Staff on the phone are very nice but their policies and complaints team are very poor. Not worth putting your belongings in the hands of. They misquoted my excess by £150.00 and now they have not paid me for my lost eyeglasses and won’t even do an interim payment. Call after call to them as they don’t respond to emails. The whole thing has been so unnecessarily stressful from Start to finish and 18 days later with no payment for my glasses ... which are essential for daily living ! And no interim payment either which is finically disadvantageous. A very sorry sad mess because of MORETHAN and RSA. Reviewed on: 22nd February 2019

Stressful

Really stressful experience ,one hand does not know what the other is doing ,at 88 years old alone and nearly a lifetime with them I needed help, this morning I was put through to 3 diff phone lines waiting in queue each time (around 2 hours ) feeling absolutely whacked and still with same problem to sort alone myself . Reviewed on: 15th February 2019

Rip off stay well clear

Water damage wouldn't pay out total rip off Reviewed on: 7th February 2019

Very poor customer service

You never know how good your insurance company is until you have to make a claim. Very poor service from more than. I'll definitely be renewing my policy elsewhere. Cheap but not cheerful. I'd give no stars but it wouldn't let me. Reviewed on: 4th February 2019

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