Second car insurance

Key takeaways

• You can insure you second car and up to five in total on the same car insurance policy, so long as they’re registered at the same address

• It usually works out cheaper than taking out separate car insurance policies for each vehicle - but not always

• You can add named drivers who will be able to drive all cars named on the policy - ideal for families

Can I add a second car to my car insurance?

Yes, you can add a second car to your car insurance policy. While there isn’t really any such thing as a ‘second car insurance policy’, you can take out what’s known as multi-car insurance.

How does multi-car insurance work?

Multi-car insurance lets you add up to five vehicles on one single insurance policy - otherwise it works just the same as normal car insurance.

Who are multi-car insurance policies for?

You might find a multi-car insurance policy useful if you’re in one of the following situations:

• You own more than one car

• You’re in a family with multiple cars

• You and your partner have individual cars

• You live in a house share with multiple cars

Can I add any cars to my car insurance policy?

You’ll only be able to add a second car or any further cars to your policy if they meet the following conditions:

• All cars are registered to the same address

• They are all standard passenger cars

• Some policies might require that they’re all owned by the same person

Will my no-claims bonus be affected?

If you have a named driver on your policy and they’re driving another car on your policy, and they make a claim on your car insurance, then it could impact your no-claims discount.

Can named drivers drive any car on the policy?

Yes, if you are a named driver on the policy, you are legally allowed to drive the other cars that are included. However, it's important to note that driving a car you're not named on is against the law and could lead to serious penalties.

Will renewal dates be the same?

One of the benefits of multi-car insurance is that renewal dates will generally align for all cars, making the admin side much easier to handle.

Is multi-car insurance cheaper than separate cover?

Multi-car insurance is generally cheaper than taking out separate cover as your insurer will offer a discount for each car you add. However, this might not be the case if:

• You’re adding a specialist or modified car that increases the overall cost of cover

• You’re adding a named driver and their car to your policy and they are a young or inexperienced driver that increases the cost of cover

Car insurance providers take a number of different factors into account when setting premiums, including your age, location and occupation. It will also depend on the insurer and level of cover you choose, so it’s always good to compare your options.

Compare car insurance quotes

Deciding between multi-car and second car insurance policies starts with comparison. If you have more than one car, the easiest way to decide whether you’ll benefit most from taking out a multi-car or second car insurance policy is by comparing quotes.

For those interested in multi-car insurance, we recommend checking out our preferred partner Admiral. By clicking through to their website and providing a few details about yourself, your cars, and the coverage you need, you can quickly obtain a quote tailored to your situation.

In the end, whether you opt for multi-car insurance or separate policies for each vehicle, the goal is always to find the balance between adequate coverage and cost-effective premiums. With careful consideration and the right information, you can navigate the insurance landscape to secure the best deal for your vehicular family.