Add another car and save with Admiral MultiCar
Get a discount when you insure all your family's cars on the same policy – even if they're at different addresses.
You'll have one policy, one renewal date and one set of documents, so it's easier for you.
Every car covered for more than 90 days earns a full year’s no claims bonus – as long as that car hasn’t had a claim. Claims on other cars won’t change this.
Save up to £481
Save on every Car you add with Hastings Direct Multi Car insurance. Our comprehensive Hastings Direct and Hastings Premier policies are Defaqto 5 Star rated.
Multi Car is for anyone living at your address, with all cars under one account and all payments in one place. Each policyholder building their own no claims discount.
Multi-car car insurance is a type of car insurance that allows you to insure two or more vehicles under a single policy. Typically, the cars must be kept at the same address or owned by immediate family members.
With multi-car cover, each vehicle enjoys all the benefits of a standard car insurance policy, and you can set an independent level of cover and a tailored excess for each car. You can also add multi-car breakdown cover for extra peace of mind.
One of the biggest advantages of multi-car insurance is the potential cost savings. Insurers often offer significant discounts compared with taking out separate policies for each vehicle. Savings can come from factors such as loyalty discounts, combined policy reductions, and lower administrative fees.
Some insurers may also offer additional perks, like no-claims bonus protection across multiple vehicles, which can further reduce premiums.
It often is. Insurers give discounts for every car you add to the policy. We offer multi-car insurance through either Admiral or Hastings Direct. These two insurers offer varying levels of multi-car discount based on different factors.
The cost of multi-car insurance is influenced by factors such as driver age, driving history, and car insurance groups. Younger or less experienced drivers typically increase premiums due to higher risk, while older, experienced drivers with a clean record can lower costs.
A driver’s driving history also affects pricing – past claims or driving offences can raise premiums.
However, sometimes you get a better deal by taking out separate policies for each car. This is more likely to be true if your multi-car policy would include a driver insurers consider high-risk (such as a new driver or a driver with a conviction) or a car in a more expensive insurance group.
Each car has its own individualised cover. Add-ons and excess can be different.
These policies are then linked together under the name of one main policyholder.
All your cars are on one single policy.
In most cases, this means the cover will be the same for all vehicles.
This table compares linked policies and single multi-car policies:
Feature | Linked Policies | Single Policy for Multiple Cars |
|---|---|---|
Cover per car | Customisable for each vehicle | Same for all vehicles |
Excess | Can vary per car | Usually the same for all cars |
Claims impact | A claim on one car may not affect others | A claim could affect the premium for all cars |
Premiums | Can be slightly higher due to individualisation | Often cheaper due to bundling discounts |
Administration | More complex; separate terms for each car | Simple; one policy, one renewal, one payment |
Best for | Households with cars of very different values or drivers (e.g., luxury car, commuter car, learner car) | Households with similar-value cars and similar usage (e.g., two mid-range commuter cars) |
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.
We're so confident that we'll find you the cheapest car insurance deal with MoneySuperMarket, that we're making a price promise to you.
If you find the same car insurance policy for cheaper elsewhere, not only will we refund the difference, we'll also give you a gift card worth up to £20!
Start saving serious money today.
Restrictions and T&Cs apply, click here for details.
Whether multi-car insurance is worth it depends on your household’s circumstances – factors like the number of vehicles, the drivers’ ages and histories, and the type of cover each car needs can all influence if it’s the most cost-effective option.
Advantages |
|---|
✔ Discounts for each car you add |
✔ Convenient - save time and effort |
✔ Individual no-claims bonuses are protected |
Disadvantages |
|---|
✖ Higher excesses than single policies |
✖ Fees to remove vehicles from the policy |
✖ Can't always choose different cover levels for each car |
You may want to includesome of these useful policy add-ons:
Gives you access to roadside assistance if your car breaks down
Claim for the cost of replacing a cracked or shattered windscreen
Covers certain legal costsrelated to claims by you or another party
Benefit from European cover and be insured for taking your car overseas
Provides a replacement vehicle while yours is being repaired
Personal accident pays out if you’re injured in a road accident
Covers the replacement of keys if they’re lost, damaged or stolen
Protects your belongings while they're in your vehicle
You can make a number of claims without affecting your no-claims bonus
Whether you can choose add-ons per vehicle or have to apply them across all cars depends on the type of multi-car policy:
Because each car has its own individualised cover, you can normally pick different add-ons for each vehicle separately.
Add-ons usually apply across all cars on the policy. If you add breakdown cover or legal protection, for example, it typically covers every vehicle, not just one.
If your household has more than one car it’s worth checking out multi-car insurance to see what kind of saving 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
There are two ways you can insure more than one car through MoneySuperMarket:
To get a multi-car insurance quote, you’ll need to give us some details:
✔ Driving licence information
✔ Date of birth
✔ Address
✔ Occupation
✔ Any past claims
✔ Accident history
✔ Number of no-claim discount years
✔ The car’s registration number, make, model, and year, engine size, estimated mileage and where you keep it overnight
✔ 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 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.
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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Our comparison service is, and will always be, free to use.
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.
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.
No, at this time multi-car insurance is not an eligible product for unlocking our SuperSaveClub rewards. It is also not included in our Price Promise.
Reviewed on 7 Sep 2026 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).
10% of new customers saved £481.21 with Multi Car vs like-for-like car policies between July 2025 and December 2025.
