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The deals keep coming so fast with MoreTh>n that by the time you've finished reading this More Th>n will have thought up a different deal to the one your reading about now. Currently with MoreThan car insurance you can get one month's free cover in the first year and two months free in the second year and two months free motor cover every year after that unless you make a claim. This is above and beyond the discounts you get for your no claims bonus which with More Than goes all the way up to a respectable 65% discount. They do offer to protect your no claims bonus with the usual features. They have created a special service for women's car insurance. MoreTh>n's insurance for women includes extra services such as priority emergency cover if you are travelling alone or with children, vehicle history checks, free replacement child car seats after an accident and 'female friendly garages' ... though we're not sure what that means. If you're female there are many, many insurers out there with special offers but make sure the quote you get is actually cheaper than if you went with a standard policy. With your car insurance you can attach breakdown cover and receive a huge discount off the annual charge for the rescue service which is the largest discount we have seen so far when adding this type of cover to your policy. There are four levels of breakdown assistance you can purchase from More Th>n depending on whether you just want to be covered for breaking down on the UK's roads, whether you want to be covered at home (failure to start etc.) and whether you want to be covered for travelling to Europe.

MoreThan have an insurance product for almost everything and savings can be had in almost all of them. For example, their home insurance discounts whilst writing this include free contents insurance when you buy buildings insurance - again, the biggest saving we have seen in this area. You also get the obligatory discounts if you buy online. Cover is not reduced either with ?75,000 contents cover, ?2,000 garden cover and (limited) home emergency protection. More Than's pet insurance also reaches the largest discounts we've seen in this market reaching as high as 15% off if you buy online, more then three times the discounts offered elsewhere. Cover is comprehensive too, with older dogs not being turned away, but always have a good read through the policy to make sure you understand the amounts that you are truly covered for. For MoreTh>n's life insurance they search a panel of life insurers like Scottish Equitable, Scottish Widows, Friends Provident and Legal & General to get you the best deal. We are always wary about using a broker for life insurance as the terms and conditions can be quite rigid, always make sure that you get the cover you want when it comes to life insurance rather than just looking for savings. You can choose from Term Assurance which pays out a lump sum if you die during the term of the plan or mortgage protection cover which will pay off the outstanding balance of your mortgage on your death. Critical illness cover can also be attached to either policy. MoreThen also do a small range of travel insurance products covering both annual travel and single trips with discounts on long stay car parking, airport hotels and access to lounges. Usually personal insurances and business cover are obtained from completely different styles of company but MoreThan have stepped squarely in the ring offering, not only commercial vehicle insurance, but business and public liability insurance also. More Than's trend of if-you-buy-online discounts has filtered through here also with regular money off van insurance, company car insurance and business/office insurance policies.

On the subject of online discounts, note should be made that there is no such web address as www.moreth>n.com for those of you who keep trying. The official site is at www.morethan.com with links to all relevant insurance types from there. †

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06/03/2010 Am also having problems with MoreThan car insurance renewal. On 24th Dec I posted a Business cheque to meet the 31st Dec renewal. Then on 12th Feb I received a letter advising that because the cheque was late the policy not renewed! Other cheques sent at same time were cleared first week of Jan but MoreThan didn't present the cheque until 25th Jan. A replacement policy was raised but their paperwork asked me for another cheque! I was told by Customer Services to ignore this, "accounts would transfer the money but it might take three weeks". On 6th March I received a letter saying as no cheque received the policy had been cancelled! Back to square one and they still have my money. They seem to have some serious business problems.

05/03/2010 Don't touch them with a mucky barge pole. Paid for car insurance renewal by cheque a month before due in January, cheque was duly cashed then they didn't renew my insurance. Only found out by chance when a letter arrived a month later saying 'were sorry you've decided to leave us etc....' Customer services have been useless, set up another policy for me, then that lapsed because they said I hadn't paid for it!!! Need to boycott foreign call centres and bring the jobs back to the UK.

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