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Learn more about More Than car insurance

More Than Smart Wheels car insurance logo

Last reviewed 23 August 2022

Why choose More Than Smart Wheels car insurance?

  • A telematics insurance policy
  • Comprehensive and third-party options
  • A selection of benefits including personal accident and benefits cover

More Than Smart Wheels is a car insurance policy intended for drivers aged 17 to 24. It’s a telematics, or black box, policy meaning it uses GPS-technology to send data to the insurer about how you drive. This is a smart way to monitor and reward good driving, hence the name.

Far from being a ‘Big Brother’ solution, the system simply logs how fast and far you drive, and whether you brake sharply. There are no curfew or mileage restrictions. All it means is if you come across as a safe driver, you get rewarded with a lower premium.

More Than were presented with the Consumer Intelligence Award for Claims Satisfaction in 2021. Their fleet of customer service staff are on hand to deal with general enquires or anything related to their policies.

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Who is More Than?

More Than was launched in 2001, drawing from parent company Royal & Sun Alliance’s heritage, expertise and tradition. What sets them apart is their fresh, ‘forward-thinking’ approach.

As More Than states on their website, they are driven by the “Desire to go the extra mile for the consumer, deliver more than words, and treat customers as individuals.”

When they launched, the insurer promoted itself with the tagline "Don't accept less than More Than". Over the years, More Than has been associated with several ad campaigns, but none more memorable than Lucky the dog.

More Than Smart Wheels policy details

Insurers typically sell three levels of car insurance cover. However, More Than doesn’t sell third-party only, which is the lowest level of cover that’s legal to have if you want to drive on UK roads. This option covers damage or injury to other vehicles or people only.

The two levels of car insurance that More Than offers are:

  • Third-party, fire and theft cover :This is like third-party only cover, but it'll also cover your car if it’s stolen or damaged through fire.
  • Comprehensive cover – This will cover all of the above, plus any loss or damage to your car, plus injury to you or any of your passengers.

There are a number of benefits that you can expect as standard on a car insurance policy. However, here are a few highlights in More Than’s comprehensive policy:

  • Personal accident cover: this gives you or your partner a lump sum of up to £5,000 if either of you is involved in a serious accident.
  • Personal belongings cover: if your car is broken into and you lose valuables, such as a satnav or a jacket, More Than will stump up the first £250.
  • Child car seat replacement: if your car is involved in an accident, More Than will replace your child car seat – even if it doesn’t look damaged.
  • Misfuelling: top your engine up with the wrong fuel and the insurer will arrange for your engine, pipes and tank to be flushed, if need be. An excess applies.

More Than offers a selection of car insurance policies and types. Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying car insurance, we recommend you check the cover and benefits included.

Contact More Than

More Than can be contacted in several ways. You can use the contact form on their website to email them or call 0345 072 4422 for their claims and customer services departments. 

Alternatively, you can write to their claims team at:

More Than Claims,
Rapid Motor Claims,
PO BOX 256,
Wymondham,
NR18 9DQ

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