More Th>n home insurance (More Than Home Insurance)

Member Name: marcellep

Product:	More Than Home Insurance
Date:	03/06/08 (508 review reads)
Rating:

Advantages: Staff, Policy, Options, Cost

Disadvantages: None so far

Since I have been insured with More Th>n insurance for 2 years now I think I it's about time I wrote a review about them and their services.

Why choose More Th>n
Since I am a motor customer they where my first point of contact when my home insurance was due for renewal. I had always been happy with them when dealing with my car insurance and I thought it would be better if I had my insurances with the same company. In addition to that they offered some good benefits and also gave me enough cover for what I needed. When I taken insurance with them I also got cash back from Quidco.com, when I taken the policies out I got £60 back. I had also read other review about More Than and they had always been positive.


Applying for home insurance through More Th>n

Lots of way to apply for More Th>n home insurance, Most people like myself will do quotes on sites such moneysupermakert, confused.com, Tesco and many others. Obtain the best price and then research what cash back you can then get. I then went Via Quidco direct to More Than and complete their rather easy online application. You can call More Than free of charge on the number below to obtain a free no obligation quotation. It's always better to check direct as you will get the cheapest price. Ok the application for Home insurance very straight forward and easy with help prompts along the way. Hitting next after you fill in the relevant details you will then be taken on to the next page which will then lead you to the premium price. Quotations give my More Th>n are valid for 60 days.

Paying for your policy
If you choose to do the policy online then you have the option to pay in full by credit or debit card at no additional charge or you can pay by 12 monthly instalments straight from your nominated bank account. Currently the charge 6% if you decide to pay by monthly instalments. If you do the quotations over the telephone you can ask the advisor for the address to send a cheque too for your payment. I have paid my policy by monthly instalments for 2 years and never had a problem; I chosen the date that suited me and it has never changed since.


what does there policy cover

Building and contents - As I live in a rented flat I only ever buy contents - I have detailed that policy below. I will also provide a basic overview of buildings.

Contents
- Standard £75,000 contents cover which includes freezer food contents also, now if you want accidental cover you need to add that to the policy that is not standard. Now like most home insurance policies they limit the amount they will pay for one single item and that is currently set at £7,500 (contents) which in my opinion is high enough for the normal runoff the mill family. With regards to accidental cover the most they will pay out for any one item is up to £1500 now on their policy you can specify more expensive items. I have done this every year and the premium has never ever increased. It's always safer to specify those items just in case, it means should your Plasma TV at £4500 be broken accidently they would cover you.
For an additional £14.00 per year you can have More Th>n legal services, which will provide you with up to £50,000 worth of legal expenses to cover you in the event of Personal Injury, Residential, Tax and consumer protection. You also get a 24hr helpline. I have never taken advantage of this and would never in the future. It's your own personal choice. You decide.
You can also choose to add bicycle cover to your policy for an additional fee, It is roughly £16 which will give you theft over for as many bicycles you have ion your house up to maximum of £300 each. There is a £25 excess applicable per claim

Money, card and cheque books can be covered against loss or theft for additional fee, they cover up to £500 per claim and this also cover misuse of your cards. The excess is £25
Personal Possessions away from the home such as Cameras, jewellery, sports equip etc can be covered on your home insurance policy for a small fee. They will cover unto £1500 and the excess is £100 per claim.

Buildings cover will cover a standard £500,000if you require additional cover you will need to call them and you will be unable to take the policy out online. There standard excess is £100 per claim, you also have the choice to add accidental cover to the building too. This would cover any accidental damage that is caused to your building. Cover for subsidence is provided with an excess of £1000. For more information on their buildings cover please see their website.

Price comparison
More Th>n is certainly not always going to be the cheapest but it's not always about price, Anytime I done quotes through comparison sites they were always in the top five for me. They always seem to be around the similar price to the like of Norwich Union and AA insurance.


Contacting More Than

You can contact More Th>n a few ways when a customer - By email always seems to be the easiest way, you just fire the email off to the email address provided and usually within a few hours you get a personal reply. You can also call their customer service team for free, and you can also write to them for the slowest response.

Documents
My lord the postman has just been and what the hell has he fired through my door, it was the loudest bang I have heard in a long time. It was the documents for my home insurance. Ok within the welcome letter you have the welcome letter providing you will all the relevant contact details you will ever need it also has your policy number on the letter, Your certificate of insurance is within, Policy summary which provides you with a full breakdown of the policy and what it covers, You also get a sheet which gives you all the number for other departments such as car insurance, life insurance, etc etc. The most important documents to check are direct debit forms, certificate and the claims summary.


What are their contact centres like?

Any time I have made contact with them via the telephone I have been delighted with the service very professional at all times and always very helpful. Even on one occasion I was not happy about the marketing calls I was receiving from them they listened to what I had to say and then presented me with a resolution without having a to get a manager. I truly believe that there staff are trained to a high standard and are doing the company proud. On the many occasions I have emailed them I have always been delighted with the prompt professional response.

Claiming
I will never forget my dad telling me 10 years ago, son your insurance company is only as good as your first claim..... I really understood that to be honest. That was until I had to claim on my More Than policy. We had a party and as usual the party got out of hand, it was Hogmanay the TV was knocked over and damaged. Initially I was not going to claim and just called the local repair man who quoted me £450 to fix it. I then decided to claim. So got all the documents out and read the small print, I was covered now to call the insurance company. Free phone number again and I was straight through to Michael who asked a few simple questions and then asked me for the model number of the TV, I told him what it was and he said ok someone will be in touch to settle it within a few hours. Michael was spot on and someone called within the time and told me they would have vouchers sent out for the value of £798 which takes in to account my excess and they compared my TV again this certain model. I was delighted with the service and within a few days I had the vouchers for Curry's (I choose) and I simply went in to curry's and bought the TV end of. I can't fault them in anyway what so ever.


Renewing

Like most insurance companies they attempt to auto renew your policy which means they sent you the renewal letter 6wks before and you forget to cancel and they simply renew it for you. I always check the price against a few others and so far I have been happy. When you renew you get your documents at the time of your renewal letter so make sure you keep hold of that.

Making changes and contact details
A simple phone call and you can have your details changed; remember insurance premium will change if the risk insured changes.
Phone
Please call us on:
Sales Numbers
Home Quotation - 0800 300 660
Web Quotation Helpline - 0800 107 1905
(Monday to Friday 8am to 10pm, Saturday 8am to 7pm and Sunday 9am to 5pm)

Service Numbers
Customer Service Line - 0800 107 1892
(Monday to Friday 8am to 9pm, Saturday 8am to 7pm and Sunday 9am to 5pm)

Claims Numbers
Claims Helpline - 0800 300 699
(Monday to Friday 8am to 9pm, Saturday 9am to 5pm to report a new claim or to enquire about an existing claim)

Help lines
24-hour Domestic Emergency Helpline - 0800 300 684
24-hour Free Legal Advice Line - 0800 300 688
For your protection, calls may be recorded and may be monitored.


MORE TH>N
Customer Services Centre
P O Box 825
Colmore Gate
Birmingham
B3 2AY

Final thought
I have now been with More Th>n insurance for over 2years and I can personally say I have been delighted with all aspects of their service so far. They always act is the customers interest and I truly believe they strive to provide an excellent service. They may not be the cheapest out there but there service is better than most of their competitors

Would I recommend? Most certainly
http://www.morethan.com

Thanks for reading - Marcellep

Summary: See Review