More or Less £££ (More Than Car Insurance)

Member Name: HS28

Product:	More Than Car Insurance
Date:	10/04/09 (335 review reads)
Rating:

Advantages: Competitive Prices and they do No Claims For Life policies

Disadvantages: Customer Services is a bit wishy washy

**More Than Car Insurance**

Towards the end of 2008 my car was coming up for renewal and I was paying around £30 a month through Peugeot who I had been very loyal to and stayed with since I bought the car new. They were normally good to me and reduced my premiums each year and my no claims bonus went up in years of loyalty. However not this year they were trying to up it by a fiver to £35 so I thought it was time to shop around. I ended up buying my new car a Fiat Punto which was a similar type of model and risk and Peugeot keen to keep me quoted £40 for the premium but I thought better of it and decided to risk moving to new territories.

**Buying Car Insurance from More Than**

My search was on and I used the internet to shop around looking at different companies direct web sites as the comparison website links. In the end I settled on More Than Car Insurance as a major selling point for me picking them was to protect my no claims bonus for life which not a lot of companies offer. You need over 4 years no claims to opt for this on your insurance. (The protection from this means they won't cancel your policy or reduce your no claims bonus) I also ended up getting my quote from More Than directly from their website as I wasn't making a saving from the comparison websites anyway.

Their homepage is pretty easy to navigate with a big pointy button to ''get a quote'' (always good when tempting the customer) I clicked through the quote option process which was quite detailed and you end up with a customer reference to then retrieve your quote. You can change the quote by reducing the amount of excess you want to pay or if you want a hire car etc so it can be no frills etc. I decided to go for a lower excess but with a hire car and added in my NCB years. Strangely I must have got a few quotes from them at the time think that was due to me using compare the market and confused and I found the quotes did keep changing. Once the quote settled on the figure I liked though I decided to buy. It came in at under £20 per month paying by direct debit but off course would have been slightly cheaper to buy the year outright. I though £20 was good for no claims for life, a hire car option and low excess considering Peugeot were trying to take double off me. What was funny though was Peugeot who didn't mind me having a Fiat now tried to price match this quote but could only get it down to £35!

Once you have bought the insurance you can download PDF documents of guidelines etc and you get a password to your own account where you can email them and see the linked offers. The documents follow out in the post for you to sign and the direct debit mandate. But this is where I got problems as my login refused to work so I haven't been able to appreciate this part of the More Than website.


**The After Service**

I rang the customer services line about my online login problem. The customer service you get from them using the telephone is a bit hit and miss. It all depends on when you phone as to whether you get the right department or if there is a competent person on the other end. When I phoned about the login problem I went round the houses with them before getting someone to sort it out and it still doesn't work properly but strangely isn't a facility I miss! I have also had to phone them on a few occasions for problems with my direct debits when I moved banks. You can end up waiting in a queue for ages then get told you have come through to the wrong department. This is the main bugbear I have with them and they always have an automated voice saying please take part in our customer service survey at the end which I can't be bothered with after having to endure the lengthy wait to get through.

I haven't had any bumps or scratches to my little Punto to need to deal with them on the accident side so can't comment on that. I just hope should anything happen like that this service is as good as promised and the phone calls are easier to sort than the ones above!


**My overall thoughts on them**

I am really pleased I have got a cheap premium under £20 considering car insurances going up lately. I am also pleased to have protected my no claims for life. However I am not keen on their customer services and after sales service. I will be loyal to them as long as they remain loyal to me but I think they do operate a promise to reduce your premium if you stay with them by 10%. My loyalty will also depend on the service I get from them should anything unfortunate happen to my poor Punto.


**Points to note with More Than**

If you decide to go with More Than Car Insurance then buy online with them it is cheaper than getting a phone quote. (www.morethan.com) They also do linked offers to try to persuade you to buy their other products. (Other Insurances and Products they do include Roadside Assistance/Home/Pet/House/Travel etc). Sometimes if you are lucky they will give away store vouchers too for joining them. Although I would definitely recommend shopping around first and checking with the comparison sites to get the best deal and company to suit your personal needs. I think they are a competitive and fairly good Car Insurance Company.

Summary: I was swung over by their competitive prices and their No Claims For Life offer