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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

Disgusting customer service !

My elderly female lone pensioner neighbour had locked herself out of her house on this cold January evening. She came to my house to call More Than ( Royal Sun Alliance ) as she was covered under her home emergency policy . She was on hold for almost an hour , with repetitive ‘ our agents are busy dealing with other calls .... ‘ and then they just hung up on her and cut the call after almost an hour on hold ! What ?? How can you do this to a valued elderly customer in need ? Absolutely disgraceful !! I think she went on to arrange her own locksmith so she could get access to her own home . I wouldn’t insure with these clowns if they were the only insurance company on earth . Words fail me ! Reviewed on: 11th January 2019

Communication Poor

I used More Than for many years, until I needed to make a claim. The process was complicated, because they wanted to try to reclaim the money from the company who manufactured the appliance that caught fire. I was not kept informed of developments and found the unexpected calls from solicitors stressful. They also tried to replace my dishwasher with the same make as the one that caught fire, then when I objected, they found the cheapest model they could and weren't interested when it fell apart after a few weeks. Reviewed on: 23rd September 2018

fair price, great, no quibble service.

When I had to claim on my house insurance policy due to a bathroom flood the service I received from more than was excellent. They were sympathetic to our situation, quick to act and provided regular updates. They were understanding rather than suspicious. Reviewed on: 21st September 2018

Crooks

Water leak. House wrecked. fobbed off. Lied to. Living in hotel at my expense. Absolute crooks. Reviewed on: 19th September 2018

Great for finding a better price

More Than were very helpful in reducing the renewal premium I had and could do a better deal. More pounds in my pocket. Fab! Their customer service is also polite and clear. Reviewed on: 18th September 2018

17 years and still with them

I always find the staff friendly and helpful when I phone each year to renew my policy and they are always willing to check if they are giving me the best possible price they can for my insurance cover Reviewed on: 5th September 2018

No problems

Great value and helpful people, no problems at all with them/. Reviewed on: 23rd August 2018

does what it should

no problems which is what you need from any insurance. Reviewed on: 22nd August 2018

Appalling customer service

Made a claim for 2 carpets and underlay which were damaged as a result of a washing machine which leaked. The washing machine had new pipes fitted by a local company and the leak happened as a result of this work. The company have refused to accept responsibility and so the policy excess is compulsory. The loss adjusters they use were incompetent in handling the claim and the solicitor just accepted the company's denial. This conclusion has taken 9 months, the leak happened a couple of weeks before Christmas and the company used by More Than to dry out the property was unable to supply any equipment because of the time of year. Would not recommend this insurance company as we are now out of pocket and the whole idea of taking out insurance is avoid this happening. Reviewed on: 18th August 2018

Appalling service

Home emergency cover is a joke. Reported on Saturday, sent someone out more than 24hrs later to look at boiler. Currently still without hot water (Wednesday) with no definite fix in sight. Following advice from engineer to deal with problem for intermittent period have badly scolded hands and feet from unfortunate shower incident, to then instantly have absolutely no hot water at all. Having to constantly chase for updates with no urgency from support staff, who demonstrate very little care or concern - apparently MoreThan are more than happy to leave a disabled individual without access to safe showering facilities, and could not care less about resolving in a timely fashion despite the fact that I am covered under my policy. Reviewed on: 8th August 2018

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