Compare More Than Home Insurance Quotes Against The Market

If you are currently looking to renew or purchase a new home insurance policy from More Than (styled as MORE TH>N), you are witnessing the aftermath of one of the largest exits in modern UK insurance history.

In a massive structural reorganisation, parent company RSA Insurance Group (Royal & Sun Alliance) officially completed its total exit from the UK direct personal lines market. As a result, More Than has permanently stopped selling new or renewal home insurance policies. The direct renewal rights and the brand's home portfolios were sold to Admiral Group plc. If you are a remaining legacy policyholder finishing out an existing contract, your coverage is legally safe until its natural expiration, but you cannot renew it with More Than. For new lines, you will be redirected to Admiral or the wider open market.

You can get independent advice and a personalised quotes comparison of top-tier active policies across the UK market from one of our expert advisers below:

What levels of cover did they provide?

Before leaving the UK personal lines arena, More Than was a high-street staple for home insurance, famously underwriting their products via the MORE TH>N Home Choice framework. This system was designed around flexible, modular tiers - primarily Primary, Upgraded, and Accidental Damage options - allowing users to scale coverage to match their budgets.

Historical Policy Configurations

How they calculated premiums

Historically, More Than calculated their premiums utilising RSA's deep institutional actuarial data tables, but they balanced their pricing structures with popular consumer incentives:

• The Multi-Policy Discount: They heavily leveraged ecosystem loyalty. Existing customers who bundled their car or pet insurance alongside a primary home policy unlocked significant, double-digit percentage discounts.

• No Claims Discount (NCD) Multipliers: More Than operated a highly rewarding structural NCD ladder for home insurance. Homeowners who remained claim-free for consecutive years were rewarded with sharp premium reductions at their annual renewals.

• The Price-Walking Regulation Shift: Following the FCA's implementation of strict anti-price-walking rules (which banned insurers from charging loyal renewing customers more than brand-new applicants), More Than struggled to maintain profitable margins on highly competitive comparison sites, ultimately leading to their strategic market departure.

Pros and cons

If you are reviewing how your legacy More Than policy compares to the current active market as you prepare to transition to a new provider, here are the pros and cons of their historical layout:

Pros:

• Strong Modular Flexibility: Their "Home Choice" wording allowed buyers to easily add or subtract accidental damage and garden covers to match their exact budgets.

• Trusted RSA Underwriting: Total financial peace of mind backed by one of the most historically secure institutional insurers in the UK.

• The Charity Alignment: A highly respected brand reputation, famously donating hundreds of thousands of pounds to animal welfare causes through pet-aligned partnerships (such as the RSPCA).

Cons:

• Permanently Closed to New Business: You can no longer buy a new home insurance contract or renew a policy under the More Than brand.

• Strict Security Deadlines: Historic contracts enforced a strict 45-day security window. If you moved or updated a policy in a high-risk area, you had to install specific door and window deadbolts within 45 days or your theft cover was completely voided.

• Fragmented Corporate Exits: With motor policies transferred to Swinton and home portfolios sold to Admiral, handling legacy claims across different insurance lines requires navigating completely separate corporate entities.

Customer service and claims handling

For remaining legacy policyholders whose contracts have not yet reached their final natural expiration date, your active consumer care runs through a transitioning run-off infrastructure:

• Admiral Transition Pathway: Because Admiral Group plc purchased the direct home renewal rights and brand assets, your renewal invitations will be systematically handled by Admiral, who will offer an equivalent product from their own active panel.

• RSA Historical Run-Off: If you need to make a claim or track an existing incident for a policy still active under the More Than banner, the claims reserves and settlement operations continue to be administered by Royal & Sun Alliance (RSA) until the book is completely cleared.

• Emergency Contact Continuity: 24/7 hotlines remain active for immediate legal support and Home Emergency callouts (such as sudden winter boiler failures or burst internal plumbing), as detailed in your primary policy schedule.

Sourcing an alternative quote now

Because More Than has permanently withdrawn from the domestic property market, you cannot generate a new quote through their legacy website or telephone lines. When your final expiration letter arrives, your coverage will simply lapse, meaning you must take active steps to secure an alternative provider to avoid leaving your home completely unprotected.

Since More Than's Home Choice framework was highly modular, transitioning to a new active provider gives you an excellent opportunity to optimize your cover. Running a comprehensive cross-market check allows you to secure direct-only bank discounts, lower compulsory water excesses, and higher blanket building rebuild limits than your legacy contract provided.

At Money Helpdesk, our independent property specialists can handle this transition for you seamlessly. Get in touch today, and we will cross-examine the active market to find a premium alternative provider that matches your exact household needs - get started here.