More Than Car Insurance

This company has quickly become a recognised UK household insurance brand and provides a range of financial products including car insurance, home, pet and travel insurances together with motor breakdown services, investments and credit cards.

More Than should offer a quotation provided you are normally resident in, and the car is kept at your main address in, the UK (excluding Northern Ireland and UK offshore islands). All car drivers must be between 21 and 74 years old at the beginning of the insurance policy, hold a full UK or EU driving licence that has been held for at least 1 year and driven regularly in the UK for at least 6 months in the last 5 years. All drivers must not have been: 1.Disqualified from driving in the last five years.
2.Refused car insurance renewal or had a policy cancelled.
3.Been convicted of (or have prosecutions pending for) fraud or dishonesty of any kind nor been told by a doctor not to drive.
The car must be owned and registered by you or your spouse at your address. It must a UK model or built to UK specifications* and it must not be modified* to increase top speed, performance or acceleration.

The company offer fully comprehensive, third party, fire and theft and third party only car insurance cover to suit your purposes, all of which are available online. Fully comprehensive cover is compulsory on vehicles with a value greater than £5,000.

Personal Business use is included as optional.

Up to 4 additional named car drivers can be added to the insurance policy but they must also be between 21 and 74 years at the beginning of the policy.

With this company you can protect your no claims bonus for life. You will be eligible for lifetime no claims bonus once 4 years no claims bonus has been accumulated, you haven't had more than one claim for theft or an at fault claim in the past 5 years and you haven't had more than two accidents in the past 5 years that have not been your fault. No claims bonus can be carried forward from your previous car insurance company provided you ceased that policy within the last 6 months.

Insurance claims are dealt with by telephone. A 24 hour claims helpline provides advice and links to their nationwide panel of recommended car repairers. All paint and bodywork repairs carried out by their recommended repairers are guaranteed for the lifetime of the car. A Legal Assistance Plan* is available as an insurance optional extra which provides legal help to try and recover sums of money, such as your excess, that you might otherwise lose even when the accident was not your fault. It will also be able to help you try and get compensation for any personal injuries you may have received.

The company will provide a small complimentary vehicle whilst your own car is off the road following an incident covered by your insurance policy and you have their comprehensive cover provided your car is being repaired by one of their recommended repairers. However, they will not provide a vehicle if your own car has been stolen or damaged beyond economical repair.

Car sharing to and from work etc. is not written into the insurance policy. If you are intending to car-share you should check if your particular circumstances are acceptable.

If you pay an extra premium the company will provide a Foreign Use Extension* which will extend insurance cover to provide full cover (under its terms) for the time your car is in, or is being transported to or from, any country covered by the Foreign Use Extension. If your policy is not extended in this way they will provide insurance cover while your car is in a country which is a member of the European Union (or meets the insurance laws of and is approved by the EU) and the cover is limited to that which must be provided under the Road Traffic Law of the country you visit.

Medical Expenses* cover is available for treatment of the car driver and passengers following an accident. The amount will depend on your insurance policy and will be shown in your policy schedule. Travel Accident Plan* is an optional extra. More Than will pay your estate the amount shown in the schedule if, during any period of insurance, as the result of a private motor vehicle, pedestrian or passenger accident, you suffer bodily injury which, within 52 weeks, is the only cause of death. The amount will depend on your policy and will be shown in your policy schedule.

A range of Breakdown Cover products are available at a 20% discount if bought at the same time as the car insurance. Increased audio equipment cover may be purchased if you have high specification kit.

* Please note, conditions will apply for all of the insurance products for cars mentioned above. Please contact the insurer concerned for more information.

* Specific conditions apply, not detailed here, please see the company's literature for full details.