Multi-Car insurance

Could you save money with multi-car insurance?

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If your household has more than one car, you might save time and money by covering them all together

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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.

How does multi-car insurance work?

In general multi-car insurance comes in two ways:

  • 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

What happens to my car insurance renewal?

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.

Who is multi-car insurance for?

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:

  • You’re a couple or family living together with two or more cars
  • You’re a couple living at individual addresses but you each have a car
  • You’re a family with children who are living somewhere else in the UK and have their own car

Can I add multiple drivers to a multi-car policy?

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.

What happens to my no-claims-discount?

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.

Can I add vans or motorcycles to a multi-car policy?

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.

Is it cheaper to insure multiple cars on the same policy?

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.

Find multi-car insurance with Admiral

We offer multi-car insurance through our preferred partner Admiral – just click through to their website and fill out a few details about yourself, your cars and the cover you need to get a quote.

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