How Much Does More Than Cost in the UK?
More Than charges an average of around £36 per month for car insurance in the UK. More Than is a brand of Royal & Sun Alliance (RSA), one of the world's oldest general insurance groups. The brand offers car, home, and pet insurance, and appears on major price comparison sites.
| Product | Typical Monthly Cost | Cover Type |
|---|---|---|
| Car Insurance | £26–£60 | Third party, fire & theft, or comprehensive |
| Home Insurance (Buildings + Contents) | £18–£38 | Buildings, contents, or combined |
| Pet Insurance | £15–£45 | Accident only, time-limited, or lifetime |
More Than is backed by RSA, which was acquired by Intact Financial Corporation and Tryg in 2021. This global backing provides financial stability. According to the ABI, the average UK motor insurance premium was £635 per year in 2025. More Than is known for competitive pet insurance alongside its motor and home products.
For a full comparison of UK insurance providers, see our guide to UK Insurance subscriptions.
Does More Than Auto-Renew?
Yes, More Than auto-renews your policy unless you cancel or switch before the renewal date. Under FCA rules, More Than must send a renewal notice at least 21 days before your policy expires. The notice shows your new premium alongside your previous year's price for easy comparison.
The FCA's loyalty pricing rules, effective since January 2022, prevent More Than from charging loyal customers more than equivalent new customers. Despite this, premiums may rise due to changes in your risk profile or broader market conditions. Always compare at renewal.
More Than sends renewal reminders by email and post ahead of your renewal date.
How to Cancel More Than
Cancelling More Than insurance can be done by phone or online, depending on the product.
Step-by-step cancellation
- Log in to your More Than account at morethan.com
- Navigate to your policy details
- Call More Than on 0800 107 8000 or cancel through your online account
- Confirm your cancellation date
- More Than calculates any refund or balance owed
- Receive cancellation confirmation by email
Within the 14-day cooling-off period, cancellation is free minus days of cover used. After this period, More Than typically charges a cancellation fee of around £45. Monthly payers may owe outstanding premium for cover already provided.
For alternative insurers, see our guides to Direct Line and LV=.
Is More Than Worth It in 2026?
More Than offers solid insurance products backed by RSA's global financial strength. The brand is particularly competitive in pet insurance, where it offers lifetime cover options that many cheaper providers do not.
| Pros | Cons |
|---|---|
| Backed by RSA — strong financial stability | £45 cancellation fee after cooling-off |
| Competitive pet insurance with lifetime options | Brand less well-known than Admiral or Direct Line |
| Available on major comparison sites | Monthly payments include interest charges |
| Home insurance includes home emergency as optional extra | Claims process can involve multiple departments |
| Straightforward online policy management | Car insurance not always cheapest on comparison sites |
More Than's pet insurance is a standout product, offering lifetime cover that continues to pay out for ongoing conditions year after year. For car and home insurance, compare More Than against quotes from GoCompare, CompareTheMarket, or MoneySupermarket. Also consider Churchill and AA Insurance.
Track Your More Than Subscription with Prunely
Prunely lets you add your More Than insurance policies to see exactly when each renewal date falls. Set custom reminders 30 days before renewal so you have time to compare quotes and make an informed decision. Track your insurance spending alongside all your other subscriptions — energy, broadband, streaming, and more — without connecting a bank account. Prunely is free for up to 5 subscriptions.
Frequently Asked Questions
How much does More Than car insurance cost per month?
More Than car insurance costs around £36 per month on average. Your actual premium depends on your age, vehicle, postcode, and claims history. The ABI average UK motor premium was £635 per year in 2025. Compare More Than quotes against other insurers on comparison sites for the best rate.
Is More Than part of RSA?
Yes, More Than is a consumer brand of Royal & Sun Alliance (RSA), one of the world's oldest general insurance groups. RSA was acquired by Intact Financial Corporation and Tryg in 2021, providing strong financial backing for More Than's policies.
Does More Than automatically renew my insurance?
Yes, More Than auto-renews all policies unless you actively cancel. FCA rules require a renewal notice at least 21 days before expiry, showing both your new premium and last year's price. Under loyalty pricing rules, renewal prices cannot exceed the equivalent new customer price.
Is More Than good for pet insurance?
More Than is well-regarded for pet insurance, particularly its lifetime cover option. Lifetime policies continue to cover ongoing conditions year after year, unlike time-limited or accident-only policies. Compare premiums and excess levels with specialist pet insurers for the best deal.
How much does it cost to cancel More Than insurance?
Cancelling within the 14-day cooling-off period is free (minus days of cover used). After this period, More Than charges a cancellation fee of approximately £45. Monthly payers may owe the outstanding premium for cover already provided. Always ensure your replacement policy starts before cancelling.