Independent guide — VIP Claims is not affiliated with More Than.
How to Make a More Than Car Insurance Claim
Royal & Sun Alliance Insurance Ltd
The short answer
MORE THAN no longer offers car insurance to new or renewing customers. Existing car policyholders are directed to a Royal & Sun Alliance existing-customers portal to manage their policy, make a claim or get in touch, rather than to a car-specific page on morethan.com.
Official More Than claim contacts
These are More Than's own contact details, published on More Than's website. They are not VIP Claims numbers.
Claim online at More ThanPolicy types: MORE THAN car insurance is closed to new business and to renewals; only people who already hold a car policy can use the existing-customer service to manage cover or make a claim.
VIP Claims — independent
Was the accident not your fault?
If another driver was at fault, you may have options beyond claiming on your own More Than policy. VIP Claims Ltd is an independent accident management company and can check, free of charge, whether we're able to manage the claim for you. Eligibility depends on the circumstances of the accident, and nothing is guaranteed.
This is a VIP Claims contact number, not a More Than number. VIP Claims Ltd is not affiliated with or endorsed by More Than.
Step by step
How to start a More Than claim
- 1Go to the Royal & Sun Alliance existing-customers page for MORE THAN
- 2Select 'Car' from the policy type options
- 3Follow the on-screen steps to make or track your claim
Costs
Excess and your no-claims discount
Not stated on the pages reviewed — check your MORE THAN car policy schedule for your specific excess and no-claim discount terms.
Your policy schedule sets your compulsory and voluntary excess — check it before assuming an amount. See also our guide to non-fault claims.
Staying mobile
Courtesy car or replacement vehicle
Not stated on the pages reviewed.
Provided under your own cover, usually only while the car is with an approved repairer, and typically a small standard model.
Where another driver is at fault and you are eligible, a like-for-like vehicle may be arranged as part of the claim against them.
A hire vehicle supplied on credit, with the cost pursued from the at-fault insurer. Subject to eligibility and your obligations if the claim fails.
None of these is automatic. Read more in our replacement vehicle guide.
Repairs
Approved repairers and your choice of garage
Not stated on the pages reviewed.
Your options
If the accident wasn't your fault
After a non-fault accident you generally have three routes. Which suits you depends on your cover, your excess, and how quickly you need a vehicle.
Claim through More Than
- Simplest single point of contact.
- Your excess is usually payable first and recovered later if liability is admitted.
- The claim is recorded against your policy, which can affect renewal even when you are not at fault.
Claim against the at-fault insurer
- No excess payable to your own insurer.
- You deal directly with the other side, which can be slower if liability is disputed.
- You are responsible for evidencing your losses.
Use an independent accident manager
- VIP Claims can handle repairs, recovery and the claim where you are eligible.
- Services are subject to eligibility and the circumstances of the accident.
- Not guaranteed, and not a substitute for your policy obligations.
Whichever route you choose, most motor policies require you to notify your own insurer of the accident, even if you do not make a claim on your own policy. Check the notification condition in your policy wording.
VIP Claims — independent
Was the accident not your fault?
If another driver was at fault, you may have options beyond claiming on your own More Than policy. VIP Claims Ltd is an independent accident management company and can check, free of charge, whether we're able to manage the claim for you. Eligibility depends on the circumstances of the accident, and nothing is guaranteed.
This is a VIP Claims contact number, not a More Than number. VIP Claims Ltd is not affiliated with or endorsed by More Than.
Existing claims
Tracking an existing More Than claim
Use the 'Car' option on the Royal & Sun Alliance existing-customers page for MORE THAN to make or track a claim.
If something goes wrong
Complaining about a More Than claim
MORE THAN's general complaints page sets out how to complain about pet and home policies, but does not list car-specific complaints details; existing car customers should use the RSA existing-customers portal.
Questions
More Than claims: frequently asked questions
Can I still buy or renew MORE THAN car insurance?+
Where do existing MORE THAN car customers go for help?+
Where this came from
Sources
The More Than details on this page were taken from More Than's own published information on the dates shown. Insurers change contact details and processes, so please confirm anything important in your policy documents.
- MORE THAN claims (redirects to pet/home/landlord options) — checked 5 June 2025
- RSA – MORE THAN existing customers — checked 5 June 2025
- MORE THAN complaints — checked 5 June 2025
Read our editorial policy and correction process.
Related guides
- Non-fault claims explainedYour rights and options when the accident wasn't your fault.
- What accident management isHow an independent accident manager differs from your insurer.
- Replacement vehiclesCourtesy cars, like-for-like hire and who pays for them.
- Car accident checklistWhat to do and record in the first minutes after a crash.
- Write-offs and total lossHow valuations work and how to challenge a low offer.
Other insurer claim guides
VIP Claims Ltd is an independent UK accident management company. We are not affiliated with, appointed by or endorsed by More Than, and we are not an insurer. This guide is general information, not legal or financial advice.
Our services — including replacement vehicles, repairs and excess recovery — are subject to eligibility and the circumstances of your accident, and are not guaranteed. You should check your own policy for its accident notification requirements.