More Than vs RIAS
Compare car insurance features, coverage, and pricing between More Than and RIASto find the best protection for your vehicle.
Company Information Comparison
| Feature | More Than | RIAS |
|---|---|---|
| Established | 2001 | 1988 |
| Underwriter | Royal & Sun Alliance Insurance Ltd | U K Insurance Limited |
| Market Position | Mid-range | Mid-range |
| Customer Service Hours | Mon-Fri: 8am-8pm, Sat: 9am-5pm, Sun: Closed | Mon–Fri: 9am–5pm |
| Claims Satisfaction | 3.8 | 3.8 |
| Financial Strength | A | A– |
| Mobile App Rating | 3.5 | 3.7 |
Policy Features Comparison
| Feature | More Than | RIAS |
|---|---|---|
No Claims Discount Years protected | Up to 4 years | Up to 3 years |
Telematics Option | ||
| Multi-Car Discount | ||
New for Old Replacement Vehicle age limit | Up to 1 year | Up to 1 year |
Uninsured Driver Promise | ||
| Paperless Discount |
Starting Premium
£270.00
More Than
£200.00
RIAS
Maximum Cover
£5,000,000
More Than
£5,000,000
RIAS
Total Policies
3
More Than
3
RIAS
Comprehensive Cover
Full Coverage
More Than
Full Coverage
RIAS
Premium Analysis
Features Comparison
Policy Type Distribution
More Than
Comprehensive
1
Third Party Fire & Theft
1
RIAS
Comprehensive
1
Third Party Fire & Theft
1
Making Your Decision
When comparing More Than and RIAS, consider how each provider's strengths align with your specific vehicle and driving needs. More Than's average premium of £365.00compared to RIAS's £286.67 should be weighed against the coverage and benefits each provider offers.
Key Differences:
- Premium range and pricing structure
- Coverage limits and exclusions
- Available policy types
- Claims process and service features
Next Steps:
- Review detailed policy documents
- Check for vehicle-specific coverage
- Consider your no claims bonus
- Compare excess options and limits
Remember that the best choice depends on your individual circumstances, including your vehicle's age, make, model, your driving history, and your budget. Consider getting quotes from both providers to make a fully informed decision.