Multi car insurance
Insure multiple cars on one manageable policy
Admiral multi car insurance
- Admiral has been voted the UK’s best car insurance provider 9 years in a row*
- Get a discount with every car you add to a multi car policy
- Each policyholder earns their own no-claims bonus
- Family members can join the policy, even if they live at a different address
*Admiral has won best Car Insurance Provider in the Personal Finance Awards since 2013
Lancaster multi car insurance
- Flexible multi car policy options, allowing you to add or remove vehicles throughout the year
- Suitable for those with a range of vehicles, whether they’re classic, modern, commercial or tractors
- Call the friendly team Monday - Friday 08:30 - 17:30 or submit a call back form Saturday - Sunday and receive a call back on Monday
RAC multi car insurance
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RAC offers a separate no-claims bonus for each car, and they all keep their policy renewal dates
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Get a 10% discount for the first 3 cars you add to your multi-car insurance policy
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Family and friends can all benefit from the multi-car discount if they live at the same address
How does multi car insurance work?
Most insurers offer discounts for each car that you add to the policy, so you could all save money. And you still get the same benefits as individual car insurance policies. Most policies will cover up to 5 vehicles but some insurers cover up to 7 cars on one policy.
When you take a policy out, you arrange your cover over a standard 12 month term. So once it's due to renew, you can review your policy for the following year. Some insurers offer the same renewal date for all cars on the multi car policy. Each time you bring a car onto the policy it syncs up with the current renewal date on the multi car policy.
Other insurers keep each car on its own original renewal date. When it comes time to renew your multi car policy, you should be offered a quote for all cars on the policy.
Each car on a multi car policy can earn their own no-claims bonus. If one of the cars on the policy is involved in an accident, it doesn't affect the other cars on the policy.
Most multi car insurance companies state that all cars on the policy must be registered at the same address, but some providers also cover family members who live at different addresses. This can be helpful if you have children studying or working away from home.
You can drive all of the cars on the policy, but only if you're listed as a named driver for each car. This is likely to have an impact on the price of the policy but may make family logistics easier.
Is multi car insurance the right option for me?
There are many reasons a multi car insurance policy could benefit you:
- It could be cheaper than having multiple policies
- It's less time-consuming as there's less paperwork and renewals to manage
- Families at different addresses could save too with certain insurers
But if you're considering a multi car insurance policy you should know that:
- Young or newly qualified drivers may increase the overall cost
- Any claims could affect the price of future policies for all drivers
- A single payment is expensive to pay all at once - separate policies may make the cost more manageable
How are multi car insurance prices calculated?
Each insurer uses different rating factors and pricing models to give you a multi car quote, including:
- Your address
- Your age and driving experience
- Any driving convictions
- Your occupation
- The type of car you drive
- Your mileage
Your address is used by insurers to judge your likelihood of making a claim. Certain postcodes will have higher crime rates than others.
Your age and driving experience are considered as younger, less experienced drivers tend to pay more for car insurance as they're more likely to be in an accident.
Your occupation can give insurers insight into your driving habits. Some jobs require more time spent driving, which increases your risk of an accident.
The type of car you drive and what group it’s in. All cars are assigned an insurance group ranging from group 1-50. Generally, the higher the car insurance group the more expensive your policy is.
Your mileage should be as accurate as possible. The number of miles you drive each year affects your prices.
What levels of cover can I get with a multi car policy?
Like a standard single-car policy, you can choose from three levels of cover:
- Third-party car insurance
- Third-party fire and theft
- Comprehensive car insurance
What our expert says
A multi-car policy can be a great option for families. Depending on who you buy your policy from, you don't even have to all live in the same household to get one. As well as potential discounts, it's also a clever way to manage everyone's insurance in one go, saving time on paperwork.
Car insurance expert
Types of car insurance
Car insurance
is a legal requirement if you're driving in the UK. Find out more about choosing the right cover at the right price.
Black box car insurance
lets you prove you’re a safe driver, and save money on your policy, even if you’re inexperienced or seen as high risk.
Classic car insurance
offers cover for owners of classic cars. For insurance purposes, a classic car can be any car that’s older than 15 years.
Business car insurance
covers you if you use your car for work, including travelling between offices or across the country.
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