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Multi Car Insurance

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What is multi car insurance?

Multi car insurance allows you to insure two or more cars on a single policy with the same provider. You’ll get all the benefits of a standard car insurance policy, plus a discount for every car added to the policy. 

You can also get multi car breakdown cover that protects all drivers and cars on the policy.  

How does multi car insurance work? 

Not all multi car policies work the same way - there are two main types: 

  • Linked policies: This way each of your cars has their own policy, so you can decide on individual levels of cover and add-ons for each, but all policies are linked under your name 

  • One policy for multiple cars: The alternative would be to have all of your cars on one single policy, and in most cases, this means the cover will be the same for each 

a row of cars

What level of multi car insurance policy do I need?

 There are three levels of cover to choose from for your multi car insurance policy:

  • Fully comprehensive

    A fully comprehensive car insurance policy will cover you for damage, repairs, medical expenses, fire damage and theft, as well as damage done to someone else, their car or their property

  • Third-party, fire and theft

    Third-party, fire and theft policies offer cover for other people, their vehicles and their property, as well as protection for your own vehicle if it’s stolen or damaged by fire

  • Third-party only

    Third-party only car insurance is the least comprehensive type of cover available, and it’s the minimum legal requirement you must meet to drive on UK roads. It’s also usually the most expensive of the three

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What is a multi car discount?

Insuring multiple cars on one policy will reward you with a multi car discount for every car you add. The number of cars a multi car policy will cover depends on the provider, and they usually have to be registered at the same address. 

A multicar policy offers the same features and levels of cover as a standard policy for one car. This means that even though all the cars are insured on one policy, they can each have their own level of cover. You can also choose different levels of excess (the amount you pay towards a claim) and your no-claims discount are kept separate too.  

Who is eligible for a multi car discount?

As the name implies, multi car insurance is for anyone who has more than one car in their household. For example, you could benefit from a multi car policy if: 

  • Tick

    You’re a couple or family living together with two or more cars

  • Tick

    You’re a couple living at different addresses but you each have a car

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    You’re a family with children who are living somewhere else in the UK and have their own car

What add-ons can I get with my multi car insurance?

You may want to include additional cover to your policy, including: 

What do I need to get a multi car quote?

To get a multi car insurance quote, you’ll need to provide: 

  • Personal details

    Date of birth, address and occupation for you and any other named drivers. You’ll also need to provide your driving licence information

  • Claims history

    Any past claims or accidents and the number of no claim discount (NCD) years you and any named drivers have

  • Car details

    Like the engine size, estimated mileage and where you keep it overnight 

Sarah Tooze

Our expert says


If your household has more than one car it’s worth checking out multi car insurance to see what kind of discount you can get. Some insurers require the cars to be registered at the same address, others don’t so it’s possible to insure an adult child who is away at university on the same policy, for instance. It doesn't always work out cheaper though so it’s worth running comparison quotes for individual policies too

- Sarah Tooze, Car & Van Insurance Expert

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. 

This varies between providers, some providers will offer a discount for up to 6 cars on one policy, while other policies may only offer a discount for 2 cars. 

Yes, while all the cars will be under the same policy, each car is still insured separately allowing each named driver to protect their own no-claims bonus. 

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. 

Multi car insurance policies are designed to be a cheaper and more convenient option – so in general you should expect a discount in premiums. However, keep in mind that the insurance group each car is in will also be a factor – and adding more expensive cars or those in higher groups will call a big jump in your premiums, even if it’ll be cheaper than insuring each car separately. 

You won’t be able to add vans or motorcycles to your multi car insurance policy – you’ll need to take out separate van or motorcycle insurance

Yes, you can have multiple named drivers as well as multiple cars on your policy – though check with your insurer to see how this would impact your cover or premiums. 

The no-claims-discount belongs to the main driver on the policy, so if you’re adding another driver and they make a claim, this will affect the main driver’s discount. 

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. 

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. 

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