I must admit to being a bit of an insurance tart! Each year just before renewal time I look around for the best offers and prices and tend to change every year. Last year I had a £50 cash back via Quidco and ultimately chose to go with More than- mainly because of the cost to be honest rather than anything about the company.

I have always regarded house and contents insurance as a bit of a rip off- Think the prices are quite high and I never claim so effectively I am paying for a what if situation. You may be perfectly happy with one insurance company as opposed to the other but sadly the only way you can tell if they are a good company is if you had the misfortune to have to make a claim.

Anyway back to Morethan. I took out a combined buildings and contents plan with them with optional accidental cover as you never know what may happen. I don't have pedal cycles or things like that so didn't have this option but did raise the up a bit in personal possession's. Without checking my paperwork I cant say exactly how much it was but as I couldn't afford a lump sum payment I chose to pay it by monthly direct debit which worked out at about £25 a month

The bank direct debit has worked faultlessly and have never had a problem with this and all the paperwork came through within a few days. Like all insurance policies you have to go through the various clauses with a fine toothcomb as I am convinced that they will wriggle out of it somehow!! But all seemed well.

Everything was ticking along nicely until 2 moths before my policy was due and I had a break in at home. Could have been a lot worse but some things were taken. I deliberated for ages over making a claim as I also had £100 excess and thought if I made a claim by premiums would go up. However the stolen goods amounted to about £1500 so in the end I put a claim in and crossed my fingers.

The police had been round and fingerprinted etc so I had a crime number to Hand when I called. The person on the end of the phone took all the details down including an approx cost of stolen goods and was told as it was over a certain amount they were not allowed to ok it so it had to go to an assessor. An appointment was made.

I was dreading this. Not because I had anything to hide but I thought an assessors job was to ensure they paid out as little as possible and I was ready for a mental fight!

How wrong could I have been.!!! The assessor came and I did have a fair few receipts even though they were about 4 years old. They asked to see where the break in happened, took some photos, arranged a repair man to come out and put it right on the spot. I was asked to make a list of things that were taken and model numbers etc which I was pleased to . Within a week I had full settlement -less my excess- and I was MORETHAN happy!!

2 months down the line and insurance is due again. I tentatively did a search bearing in mind my recent claim. The prices that came were 20-30 in the range of the more than renewal so have gone with them for another 12 months.

Overall I am really ,really pleased with them. Sadly I had to make my first ever claim in 20 years and it was dealt with very quickly and smoothly and with less hassle than I had anticipated. I would recommend them if they are in the same price range as another company.