More Than Boiler Cover Review
More Than is a well-known UK insurance brand whose home insurance can include an optional Home Emergency add-on covering boiler and central-heating breakdown. It does not sell a standalone "boiler cover" plan - the boiler protection sits inside a wider home-emergency policy attached to your buildings or contents cover. Note that More Than now sells only pet insurance directly on its own site; its home insurance is currently available only through price-comparison websites. The brand's home and pet book was acquired by Admiral in a deal completed in 2024.
Overview
More Than is one of the UK's long-established personal-lines insurance brands. It is not a dedicated boiler-cover specialist like HomeServe or 24|7 Home Rescue - instead it offers home insurance (buildings and/or contents) on which a Home Emergency cover can be added as an optional extra. That add-on is where boiler, central-heating and hot-water breakdown protection sits, alongside plumbing, drainage, electrical/gas-supply failure, roof, pest and home-security emergencies.
Two things are important in 2026. First, availability has narrowed: More Than now sells only pet insurance directly through morethan.com, and its home insurance (and therefore the Home Emergency boiler add-on) is currently obtainable only via price-comparison websites - you cannot buy it directly from the More Than site. Second, ownership has changed: RSA (Royal & Sun Alliance) historically owned the More Than brand and underwrote its policies, but Admiral acquired the More Than home and pet book (renewal rights) in a deal completed in 2024, so newer/renewing home business sits within the Admiral group. Cover is mains-gas/standard-domestic-boiler oriented (boilers must typically be under 15 years old, under 60kW output, and serviced per the manufacturer's schedule). Always confirm current availability, terms and the named underwriter on the live quote before buying.
Independent reviews
What customers say
Overall sentiment is mixed-to-fair: customers generally rate the buying experience and front-line staff positively, but recurring gripes centre on renewal price hikes and claims-stage delays or rejections - a pattern common across large UK home insurers, and amplified for some by the RSA-to-Admiral transition.
What customers like
- Easy, straightforward online quote and set-up process, often with competitive opening prices
- Helpful, professional and clear phone agents praised for swift responses to enquiries
- Recognised, established brand backed by large insurers (RSA historically, now the Admiral group), giving reassurance
- Ability to add optional extras such as emergency and accidental-damage cover when taking out a policy
Common complaints
- Steep price increases at renewal, with existing customers sometimes quoted far more than new customers for similar cover
- Claims-handling frustrations - reports of delays, poor communication and claims declined without a clear explanation
- Disruption and confusion around the RSA-to-Admiral brand/ownership transfer, including renewal quotes jumping sharply
- Difficulty reaching the right department or chasing updates during a claim
- Strict policy conditions (e.g. service history, reporting windows) catching some claimants out
Plans & prices
| Plan | What it covers | From |
|---|---|---|
| Home Emergency cover (optional add-on to More Than home insurance, bought via a comparison site) | Up to around £1,000 per claim (on the higher/Extra tier) for an approved tradesperson to resolve emergencies: loss of main heating and/or hot water through boiler failure/breakdown, plumbing and drainage, complete electricity or gas supply failure, making the roof watertight, pest removal, and securing the home after door/window damage. May include overnight accommodation if the home is uninhabitable, plus a contribution towards a replacement boiler if yours is beyond economical repair. A lower-tier Home Emergency option with a smaller claim limit may also be offered. Confirm the exact tier, limits and boiler-replacement contribution on your quote. | Varies - sold as an add-on, so the cost is bundled into your overall home-insurance premium rather than a fixed standalone monthly fee. Get a quote via a price-comparison website (More Than home insurance is not sold direct on morethan.com). |
More Than does not publish a fixed standalone boiler-cover price. Home Emergency is an optional extra priced as part of your wider home-insurance quote, so the cost depends on your property, sums insured and the other cover you select. Because More Than home insurance is currently sold only through comparison sites, you would get the price there. Figures are indicative only - confirm the exact premium and what's included on the quote. Last checked June 2026.
Pros & watch-outs
Pros
- FCA-regulated insurance, so it carries Financial Ombudsman and FSCS protection - unlike unregulated service plans
- Home Emergency goes well beyond the boiler: plumbing, drainage, electrics/gas supply, roof, pests and home security can all be included
- May include overnight accommodation if your home becomes uninhabitable, plus a contribution towards a replacement boiler
- Backed by major insurers (RSA historically; the Admiral group now), not a small standalone plan provider
- Sold alongside home insurance, so you can consolidate buildings, contents and emergency cover in one policy
Watch-outs
- Availability has narrowed: More Than now sells only pet insurance direct; its home insurance (and the Home Emergency boiler add-on) is currently obtainable only via price-comparison websites
- It is an add-on, not a standalone boiler plan - you generally need a More Than home insurance policy to get it
- Claim cap: typically up to around £1,000 per claim on the higher tier, with only a limited contribution towards a replacement boiler - modest versus full boiler-replacement plans elsewhere
- Boiler eligibility limits: boilers over 15 years old, or around 60kW+ output, are commonly excluded, and a missed annual service can void a claim
- Work usually must be authorised in advance and incidents reported promptly (often within 48 hours of discovery)
- No standard annual boiler service is included (unlike some boiler-cover plans), and pre-existing faults are excluded
- Brand is mid-ownership transfer (RSA to Admiral) - confirm the current underwriter and exact terms on your schedule
- Watch renewal pricing - recurring customer complaints about premiums rising sharply at renewal
Who is it for?
Best for homeowners who want one insurer for buildings/contents plus a broad home-emergency safety net, rather than a dedicated boiler-only plan. If you value emergency assistance across heating, plumbing, electrics, roof and pests in a single FCA-regulated policy, this can fit well - just note you'll be buying More Than home insurance through a comparison site.
Less suited to people who specifically want a boiler maintenance plan with an included annual service, unlimited repair spend, or guaranteed full boiler replacement - the per-claim cap and limited boiler-replacement contribution are modest compared with specialist boiler-cover plans.
Also check eligibility first if your boiler is older (15+ years), high-output (around 60kW+), or you can't evidence regular servicing - those conditions can exclude cover or invalidate a claim.
For how to weigh insurance vs a service plan, excess levels and what to check before buying, see our boiler cover guides. Oil, LPG or electric boiler, or letting property? Compare options in our landlord and provider sections.
Does More Than sell standalone boiler cover?
No. More Than offers boiler and central-heating protection only as part of its optional Home Emergency cover, which is added to a More Than home insurance policy - not as a separate boiler-only plan.
Can I still buy More Than home insurance in 2026?
Yes, but only through price-comparison websites. More Than now sells only pet insurance directly on its own site (morethan.com); its home insurance - and therefore the Home Emergency boiler add-on - is currently available via comparison sites rather than direct.
Is More Than Home Emergency regulated insurance?
Yes. It is FCA-regulated general insurance, so it comes with Financial Ombudsman Service access and FSCS protection - unlike unregulated service or maintenance plans, which have neither.
Who underwrites More Than cover now?
Historically it was Royal & Sun Alliance (RSA, FCA reference 202323). Admiral acquired the More Than home and pet book (renewal rights) in a deal completed in 2024, so newer and renewing home business sits within the Admiral group. Check your policy schedule and IPID for the current named underwriter.
What does the Home Emergency cover pay out?
Typically up to around £1,000 per claim (on the higher tier) for an approved tradesperson to resolve the emergency (parts, labour and call-out), including a contribution towards a replacement boiler if it's beyond economical repair, and may include overnight accommodation if your home becomes uninhabitable. Confirm the exact limits on your quote.
Prefer to shop around first? Compare boiler insurance and service plans before you commit to a provider.
Compare More Than against the panel
See how More Than's price and cover stack up against other providers on our panel, then buy direct on the provider's own site. Information, not advice — a selected panel, not the whole market.
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