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More Than breakdown cover

More Than was launched in 2001 as the direct-to-consumer brand of the RSA insurance group. Its breakdown cover is designed to sit alongside its car insurance, and that is how most customers buy it.

By Breakdown Choices editorial team · Reviewed October 2026

How More Than breakdown works

More Than offers breakdown cover as an optional extra on its car insurance policies, in tiers from roadside-only through to recovery, home start and onward travel, with a European option. The service is delivered by a breakdown assistance partner rather than by More Than itself. A standalone breakdown product has been offered at various times; check the current position on the More Than site.

What stands out

  • Convenience for More Than motor customers: one renewal, one document.
  • Competitive add-on pricing at the basic tier.
  • Accident and breakdown handled by one company.

Where it falls down

The add-on is tied to the insurance; switch insurer and the breakdown cover goes too. The basic tier is a basic product with the usual budget limits. It is vehicle cover only.

Who it suits

Existing More Than car insurance customers who want a simple bundled option. Everyone else should read our guide to car insurance with breakdown cover and compare standalone cover first.