Write a review

Go to business site

MORE THAN: Home Insurance reviews

Name: Home Insurance
Rating: 2.72 (120 reviews)

View other MORE THAN products

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

Read all reviews See your review

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:

Home Insurance that doesn't insure anything and customer service to match

I am really not sure where to start really. Everything was fine with More Than until I had a bath room leak and tried to actually use the insurance. Primary issue being two fold, 1. Emergency cover doesnt cover emergencies, 2. Claims are handled by third party loss adjusters who simply dont care. 1st issue being I woke up faced with a flood occuring into my kitchen from my bathroom. I call the More Than emergency line (goes through to a third party provider). How long do you wait before you give up while watching your house flood? Needless to say an hour and a half later and I gave up to call a plumber who was out and flood fixed in under 30 mins. The issue is I asked for my £300 call out fee back seeing as I was let down by them for a product I had paid for and tried to save them money in averting more damage. I was told by a call centre jobs worth that they understood the problem and would get it sorted. Month and a half later, both More Than and the third party emergency cover provider refuse to pay my call out cost because I didnt call them first and wasnt approved by them even though for all intents and purposes I couldn't. I will admit that the morning I was trying to call was also the morning after a big storm so I appreciate they where busy. That would have been fine if I was reimbursed but I was told that was not going to happen. 2nd. Building Validation Services (BVS) are the survey/loss adjusters my claim was given to to handle. Long and the short of it is they are just that. Over a month later and I still havent been paid out because they are still trying yo argue what damage they are and aren't liable for. The surveyor was rude and unprofessional and most importantly missed half of the problems. They wont admit they are wrong but the statement of work has changed twice now to include all the hits they missed or tried to get away with not fixing the first time. Please please be aware with these people, I cant be 100% sure if its just their business strategy, fraud or incompetence but if you take their first offer it will be much less than the actual damage! The really funny bit, BVS continue to phone me and leave voucemails even though I have told them 3 times I am deaf and cant talk to them on the phone even if I wanted to! So all in all my experience with More Than has been Less Than satisfactory. Will make all effort now to avoid any company underwritten by the RSA Group seeing as they all seem to have the same customer service. Reviewed on: 15th January 2022

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

Wont cover any white goods.

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

The Claim Process

They did accept a claim and pay out, but I had to do the chasing and keep checking that things were progressing as promised. The people I spoke to on the phone were friendly and helpful. Reviewed on: 14th October 2024

Avoid like the plague!

Avoid like the plague! Once they have your money they just walk away from any claim, i.e. they outsource this crucial part of their business to a third party called BVS. BVS is meant to validate a claim but instead off addressing the claim they are only interested in under cutting the claim. Also the reviews on this company are horrendous. I will be reporting both companies to the insurance ombudsman as well as writing to Which the consumer champion. If you find yourself having to make a claim ensure you get everything in writing or else you will find yourself in the situation he said she said. Reviewed on: 10th October 2024

Excellent claim service

When I had to make a buildings ins claim. They were very helpful, Prompt in responding kept me informed constantly , I had the claim settlement before the work was completed. Very easy service and customer service reps excellent Reviewed on: 4th September 2024

storm damage, claim rejected. awful person.

my roof tiles blew off in a storm, and broke my skylight around £2000 worth of damage. they sent a surveyor who was an arrogant awful person. the claim was rejected blaming my roof. it was a STORM, whats the point in house insurance? i hate his guts. he also didn't follow procedure and no one told me it had been rejected until i called up weeks later. also, it still classed as a claim. Reviewed on: 24th January 2024

Completely pointless and causes more stress and delays

It's been 4 days since we reported a leak and we've still had no help whatsoever. They sent round one person who was a gas engineer not a plumber so had no idea what he was looking at and left without doing anything. We've now been told there's nothing more they can do (they've done nothing) and we're not covered as it's a hot water tank leak and they don't cover them. The wording of the policy is 'We will cover up to £1,000 for our approved tradesperson to resolve emergency situations in your home. This includes: Loss of your home’s main heating and/or hot water due to failure or breakdown.' Nothing in there about hot water tanks. This has caused so much stress, I've spent hours on hold (always at our cost) or talking to different people but no one has actually come round to stop the leak or provide any advice other than essentially 'get your own plumber and pay for it yourself'. Oh and it's STILL LEAKING 4 days after we reported it! Water pouring down the wall and the joists under the tank soaking wet. 4 days of calls and waiting and now we're back at square one. Reviewed on: 12th December 2023

Waste of space insurance

Sales advise I have house insurance and supplied me with documentation. Claims say I don't and ceased in 2022. When I say u are taking direct debits from my bank account claims say we will refund you with payments to us u have no insurance Reviewed on: 14th September 2023

Customer service at its best

Uses local trades and the big names for immediate response to emergency issues Reviewed on: 22nd August 2023

Ignored all contact

Once my contract had ended they constantly spammed me about a policy I did not have. When I asked them why, they could not be bothered to reply. They obviously do not care about customers or former customers. Be very cautious. Reviewed on: 18th July 2023

Do you have a different MORE THAN product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Landlord Insurance
from Simple Landlords Insurance 4.60 from 62 reviews
Landlord Insurance
from Uinsure 5.00 from 2 reviews
Home Insurance
from Chill Insurance 1.00 from 1 reviews

Want to see more from MORE THAN?

Landlord Insurance
from MORE THAN 5.00 from 2 reviews
Travel Insurance
from MORE THAN 5.00 from 2 reviews
Pet Insurance
from MORE THAN 2.33 from 113 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub