LAST REVIEWED: JUNE 2026
More Than insurance scores 59/100 on the KT Score. More Than is a UK home and pet insurance brand acquired by Admiral Group from RSA Insurance UK in April 2024 for up to £115m. More Than is not an independent insurer; it operates within the Admiral Group underwriting structure. Consumers comparing More Than against Admiral on a comparison site are comparing two products from the same parent group. The brand retains its own identity and distribution channels following the acquisition. Car insurance under the More Than brand was discontinued before the acquisition and is not currently available. The 59 score reflects the brand's transitional status following the acquisition and limited post-acquisition performance data.
KT Score breakdown
| Dimension | Weight | Score | Evidence |
|---|---|---|---|
| Claims pay-out rate | 25% | 58 | Limited post-acquisition claims data; transitional period |
| FOS complaint record | 25% | 55 | RSA legacy complaint data; new Admiral-era data limited |
| Customer satisfaction | 20% | 62 | Mixed Trustpilot reviews spanning RSA and Admiral eras |
| FCA standing | 15% | 62 | Operating within Admiral Group; authorised; no current enforcement |
| Financial strength | 15% | 88 | Admiral Group solvency 193%; PBT £958m 2025 |
The RSA acquisition: what happened and what changed
RSA Insurance Group, one of the UK's oldest insurance companies, sold its More Than direct consumer brand to Admiral Group in a deal announced in December 2023 and completed in April 2024 for up to £115m. RSA itself is owned by Intact Financial Corporation, the Canadian insurance group that acquired RSA in 2021. The sale of More Than to Admiral reflected Intact's strategy of focusing RSA on commercial lines and broker-distributed products rather than direct consumer retail brands.
Following the acquisition, More Than's home and pet insurance products continued to be distributed under the More Than brand. Admiral integrated More Than's policy administration and claims handling into the Admiral Group infrastructure. Existing More Than customers experienced transition communications from Admiral Group explaining the change of ownership and any changes to policy administration processes.
The key practical change for More Than customers is that their insurer is now effectively part of Admiral Group rather than RSA. Consumer rights, policy terms and FCA protections are unchanged. Complaints that previously went to RSA's complaints process now go to Admiral's complaints process at admiral.com, with FOS escalation rights intact.
Products currently available under More Than
More Than currently offers home insurance (buildings, contents and combined) and pet insurance (lifetime and time-limited for dogs and cats). Car insurance under the More Than brand was discontinued before the acquisition and is not currently available from More Than. Consumers seeking car insurance should consider the main Admiral brand or Admiral's other car insurance sub-brands (Bell, Diamond, Elephant).
More Than home and pet insurance products are available through price comparison sites and direct. Consumers comparing More Than against Admiral on a comparison site are comparing products from the same parent group. The pricing algorithms and product terms may differ between the two brands despite shared ownership, so a comparison remains worthwhile.
More Than vs Admiral: should you choose one over the other
For home insurance, comparing More Than and Admiral quotes alongside other providers via a comparison site is the most rigorous approach. The two brands may price differently for the same property, reflecting different rating models within the shared group structure. There is no inherent reason to prefer one over the other on product quality grounds at this stage in the acquisition integration, as both operate under Admiral Group's claims and administration infrastructure.
For pet insurance, the same logic applies. More Than and Admiral pet insurance products may have different tier structures, vet fee limits and exclusion lists, making a direct comparison worthwhile even though both come from the same parent group. Reading the policy wording for each before purchasing is more reliable than relying on brand reputation alone.
Disclaimer: This review is produced by Kael Tripton Ltd for informational purposes only. It does not constitute financial advice. KT Scores are editorial assessments. Kael Tripton Ltd is not FCA authorised. Company No. 17177071, ICO ZC135439.
Frequently asked questions
Who owns More Than insurance now?
More Than insurance is owned by Admiral Group Plc. Admiral acquired More Than from RSA Insurance UK in April 2024 for up to £115m. RSA Insurance UK is itself owned by Intact Financial Corporation, the Canadian insurer that acquired the RSA Group in 2021. More Than operates as a distinct trading brand within the Admiral Group portfolio alongside Admiral, Bell, Diamond, Elephant and Gladiator.
Is More Than the same as Admiral?
More Than and Admiral are separate trading brands within the same parent group, Admiral Group Plc. They may offer different pricing, product terms and cover levels for the same risk despite sharing the same parent. For comparison purposes, they should be treated as separate products. For regulatory and financial strength purposes, both are backed by the same Admiral Group entity.
Can I still get More Than car insurance?
No. Car insurance under the More Than brand was discontinued before Admiral Group's acquisition in 2024. More Than currently offers home and pet insurance only. For car insurance, the Admiral brand and its sub-brands (Bell, Diamond, Elephant) are the relevant Admiral Group products.
What happened to my More Than policy after the Admiral acquisition?
Existing More Than policyholders received communications from Admiral Group explaining the change of ownership following the April 2024 completion. Policy terms remain unchanged at the point of transition. Claims and complaints are now handled through Admiral Group's infrastructure. All FCA consumer protections including FOS access remain fully in place.
Is More Than regulated by the FCA?
More Than products operate within the Admiral Group regulatory structure. Admiral Group's regulated entities include EUI Limited (FRN 310848) and Admiral Insurance (Gibraltar) Limited (FRN 220858). More Than policies may be underwritten by one of these entities or by other Admiral Group entities. Regulatory status can be verified via the FCA Financial Services Register at register.fca.org.uk.
