Protection for the entire family
If everyone lives under the same roof, you can extend breakdown cover to include the whole family.
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What is multi-car breakdown cover?
If you’ve got multiple vehicles at the same address - up to four, in fact - multi-car breakdown cover might just be your new best friend. It’s a great way to keep all your cars covered without juggling separate policies, giving you peace of mind and help with onward travel if any of the vehicles breakdown.
It’s not just for family members either, so if you’ve got housemates everyone’s car can be included. No more stressing over who’s going to call for help if something goes wrong - it’s all sorted in one go.
And, if you’ve got a student in the family living away from home, they don’t have to be left out either. As long as their car is registered at home, it can be included as part of the package too.
💡 Top tip: Got a motorbike or a van? They can often be covered too. It’s a simple way to keep all your wheels protected, no matter what you’re driving.
What are the benefits of multi-car breakdown cover?
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One policy fits all
All vehicles will enjoy the same level of cover, conveniently bundled under a single car insurance policy for easy management and review.
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Up to four vehicles can be covered
You can cover up to four vehicles, and adding more could give you a better chance of securing a discount on your premium.
What does a multi-car breakdown policy cover?
What your policy covers will depend on your specific needs, but our selection of providers typically includes the following:
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Cover for up to 4 vehicles
Includes cover for any car/van, as long as all vehicles are registered at the same address.
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Local or national cover
Coverage levels vary and will be detailed in your policy. For trips outside the UK, separate cover may be required.
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Overnight accommodation
If a breakdown causes significant delays, you may be able to claim expenses for overnight stays, depending on your circumstances.
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Electric vehicles
Assistance is available for EVs, covering issues like battery failure or charging difficulties.
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Home start
If your car won’t start at home, your provider will come to you and attempt to fix it on-site.
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Roadside assistance
If you break down while driving, your provider will try to repair your vehicle at the scene. If it can't be fixed, they’ll tow it to the nearest garage.
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Onward travel
If repairs can't be completed right away, your provider may arrange alternate transport to help you reach your destination.
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Missfuel cover
Assistance is available if you accidentally fill your car with the wrong type of fuel.
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Out-of-fuel cover
If you run out of fuel, your provider can deliver some to get you back on the road.
How much is multi-car breakdown cover?
The cost of your multi-breakdown cover will depend on several factors, including:
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Number of vehicles
Adding more vehicles to your policy will increase your premiums, but you may qualify for greater discounts with each additional car.
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Vehicles types
The kind of vehicle you drive plays a big role in determining costs. High-value or older vehicles can be more expensive to cover.
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Level of cover
The more extensive the coverage you choose, the higher your premiums will be. Comprehensive plans typically come with a greater cost.
Our expert says…
Multi-car breakdown cover can be great for families, where several people drive different vehicles registered at the same address, by saving time and money compared to taking out several individual policies. It will even cover students who take their car to uni, provided the car is still registered at the home address.
However, if you’re the only driver, you may be better off with personal breakdown cover, which covers you no matter which car you’re driving, including hire cars and work cars.
Faith Archer Personal Finance Expert
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Is multi-car breakdown cover more cost-effective than separate policies?
Yes, multi-car breakdown cover is usually more affordable than purchasing individual policies for each car in your household. Providers often offer discounts for covering multiple vehicles, and the more cars you include, the bigger the savings you’re likely to enjoy.
Is it cheaper to get breakdown cover which covers the car or the driver?
Covering the car is typically more cost-effective, as the policy is tailored to the specific vehicle and the issues it might face.
Does multi-car breakdown cover include family living away from home?
Yes. Multi-car breakdown cover can also extend to a family member living away from home, provided their vehicle is registered at the same home address.
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Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is breakdown insurance eligible for SuperSaveClub and rewards?
No, at this time breakdown insurance is not an eligible product for unlocking our SuperSaveClub rewards. It is also not included in our Price Promise.
Reviewed on 11 Dec 2025 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
From 01.06.23 to 31.05.24 MoneySuperMarket customers received £1.59bn estimated savings based on (i) SuperSaveClub reward redemptions, and (ii) savings claims per product multiplied by the number of sales. Products included - Car, Home, Pet and Travel insurance, Broadband, Credit Cards, Loans and Mortgages.
Accurate as of September 2025