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Multi-Car Insurance

SAVE WITH A 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? 

Multi-car insurance can be used to cover more than one car, usually at the same address, but in some cases, you can also immediate family members who live somewhere else.

There are two main types of multi-car insurance:

  • Linked policies: 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: All your cars on one single policy, and in most cases, this means the cover will be the same for each.

Advantages and disadvantages of a multi-car policy

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    Advantages

    • Convenient to have all your cars under one provider

    • Cheaper than having separate policies for each car

    • Each driver’s no claims bonus should be protected

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    Disadvantages

    • You may have to pay a higher excess in the event of a claim

    • It won’t be as easy to add and remove vehicles to your policy as it is with separate policies

    • You may not be able to choose the level of cover you want for each car

    • You may not be able to choose the level of cover you want for each car

Who is eligible for a multi-car discount?

Multi-car insurance is for anyone who wants to insure more than one car in the same household, and for each additional car you add you usually get a discount. Here are some scenarios where it can work:

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    Family living together

    You can insure multiple cars on the same policy, saving paperwork and potentially money.

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    Family living apart

    With grown-up children at university, you could still cover their car on your home policy, along with the cars you keep at the address permanently.

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    Couple living apart

    Two people in a couple who don’t live at the same address could save on paperwork and get a multi-car discount with multi-car insurance.

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    Friends living together

    You don’t have to be related to buy multi-car insurance and the price may be cheaper as you’ll get a discount for each car added, although it’s always worth comparing this against separate policies.

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    Someone with multiple cars

    You can save on paperwork with one policy for several cars if you have multiple cars you want to insure. The cost may be cheaper too.

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Is multi-car insurance cheaper?

A multi-car insurance policy can be cheaper than having separate policies for each car registered at the same address. This is because insurers can offer discounts for multiple cars on the same policy. The amount of the discount you can get will vary between insurers and the individual circumstances of the policyholder. 

However, it won’t be cheaper for everyone and that’s why it’s important to compare the price of multi-car insurance with the price of buying separate policies for all drivers. If, for example, you’re adding a driver to the policy who is seen as a high risk, this could push up the overall premium.

What happens to your no claims discount?

If you have a linked multi-car policy, and every car has its own policy but is linked by your name, each driver will retain their own no claims discount (NCD). The discount won’t be impacted if someone else on the policy makes a claim.

But if you have one policy for multiple cars, this can impact your NCD. This is only the case if you’re moving from a standard policy to a multi-car policy and you’re mid-way through your initial contract. In this case you may lose your NCD for that year and you might have to pay cancellation fees. However, it’s often possible to add a car at renewal so you won’t risk losing the NCD or paying anything extra.

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

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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

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- 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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