Multi-car insurance

If you have a linked multi-car policy, each driver will retain their own no-claims discount. Your bonus won’t be impacted if someone else on the policy makes a claim.

If you have one policy for multiple cars you can lose your no-claims discount for that year if you’re moving a car from a standard policy to a multi-car policy mid-way through its contract. You may also have to pay cancellation fees. You can avoid this by waiting until your renewal date to add the car.

Multi-car insurance is for anyone who wants to insure more than one car for people who live in the same household or are immediate family. For example:

• Family living together

• Family living apart

• Couple living together

• Couple living apart

• Friends living together

Yes, you can drive all the vehicles on the policy as long as you are the main driver or a named driver for each of them.

It’s worth checking with your insurer to see how this would impact your cover or premiums.

If your son or daughter is the main driver of the car, you will need to declare this when you buy the insurance. It's not possible to insure your child’s car and put them as the named driver rather than the main driver if this isn’t the case.

🚩 This is illegal and called fronting.

It depends on the insurance provider. With Admiral you can add up to 8 cars online (and up to 20 if you give them a call), and up to 5 with Hastings Direct.

With Admiral you can add vans to your multi-policy, but not motorbikes. For motorbikes, you’ll need motorcycle insurance.

With Hastings Direct, the multi-car policy is just for cars. But you can buy a separate multi-bike policy or separate van insurance.

With Admiral, you can add up to 8 cars online. If you'd like to add more – you can have up to 20 – give Admiral a call on 0330 134 3206.

With Hastings Direct, you can add up to 5 cars online.

Yes – on a multi-car policy, all named drivers generally need to provide their full claims and licence history. This includes:

• Any previous insurance claims (even non-fault claims)

• Motoring convictions or penalty points

• Length of time they’ve held their licence

Insurers use this information to assess the risk for each driver and calculate the overall premium. If any details are missing or inaccurate, it could lead to higher premiums, affect no-claims bonuses, or even invalidate the policy in the event of a claim.

Yes, you can add usually your child’s car to a multi-car policy even if they’re living away at university. But you’ll need to be clear about where the car is actually kept and who drives it most often.

Yes you can add a named driver to your multi-car policy.

This depends on the specific terms of your insurance policy. Some policies will only affect your no claims bonus if you are the driver at fault in an accident while other policies may affect your no claims bonus regardless of who is at fault in a car accident.

There’s no standard list for what’s included in a multi-car policy. Some will cost extra, so make sure you only add and pay for what you really need.

If you have linked car insurance policies, they’ll likely have different renewal dates, but if you have one policy for all then the renewal dates should align.

It may be that you have a single car insurance policy to which you can add multiple other cars – in this case, the renewal dates for each additional car should also align with the original date on the policy.

However, as with any kind of insurance policy, it’s likely to differ between providers, so be sure to check your policy documents to understand how it applies to you.

This depends on your insurer and their policy. Some insurers will cover vehicles that are kept away from the main home for part of the year, but others will specify that they have to live at the same address. Check the policy wording before you buy.