Multi car insurance
Compare cover for all your cars in your household and save money with multi car discounts
Our selected partners can help:
- Admiral have been voted the UK’s best car insurance provider seven years in a row
- Get a discount with every car that’s added to a multi car policy
- Each policy holder earns their own no-claims bonus
- Family members can join the policy, even if they live at a different address
- Lancaster insurance are classic car specialists
- Flexible multi car policy options, allowing you to add or remove vehicles throughout the year
- Suitable for those who have a range of vehicles, whether they’re classic, modern, commercial or tractors
- You can call their friendly team Monday - Friday 08:30 - 17:30 or submit a call back form Saturday - Sunday and receive a call back on Monday
- RAC offer separate no claims discount for each car, and they all keep their policy renewal dates
- Get a 10% discount on every car that’s added to the multi car policy
- Family and friends can all benefit from the multi-car discount as long as they live at the policy address
Is multi car insurance the right option for you?
There are many reasons a multi car insurance policy could benefit you:
1. You could save money on your car insurance
If you have more than one car at your household, you could save money with a multi car policy by insuring all your cars with the same insurer.
2. More convenient than separate policies
Insure all cars on the same policy with the same insurer, saving time on paperwork and managing different renewal dates.
3. Families with different addresses can save too
Some policies don’t need all policy holders to live at the same address. As long as the cars belong to immediate family members, they don’t even have to be registered to the same address.
How does multi car insurance work?
Multi car insurance policies allow you to combine multiple car insurance policies into one. Most insurers offer discounts to each car that is added to the policy, meaning you all could save money. You’ll get the same benefits offered from an individual car insurance policy, but with added discounts.
Multi car policies can be helpful for families who have more than one car in the family. Instead of keeping track of different policies and insurers, multi car bundles it all into one place. Most insurers offer cover for up to seven cars on one policy.
Although multi car is convenient, it might not be for everyone. It’s a good idea to compare car insurance quotes for individual policies, combine the costs and compare versus a multi car policy to see what the cheapest option is.
Is multi car insurance cheaper than a standard policy?
It can work out cheaper to insure all your cars on a multi car insurance policy, but there’s no guarantee it will be cheaper than separate policies. The savings you can make will depend on your own circumstances, as well as the other drivers listed on the policy.
It works in the same way a standard 12-month policy works - before quoting you a price for a multi car policy the insurer will look at the driving history, the cars being insured and other factors about you and the other drivers on the policy.
To find out which option is cheaper, it’s best to get individual quotes, add them all up and see how much it costs. Then get a multi car insurance quote and compare the difference. Remember to compare the level of cover and make sure it’s like for like. As this will affect quote prices.
How car insurance prices are calculated
There’s lot of considerations when calculating the cost of car insurance. And each insurer will use different rating factors and pricing models when giving you a quote. The main things considered are:
1. Your address which insurers use to base prices on the likelihood of a claim being made. If you live in an area with a high risk of accidents, you’re likely to pay more than someone living in a lower risk area.
2. Your age and driving experience with the younger, less experienced drivers paying more for their car insurance. This is because statistics show they’re more likely to be involved in an accident.
3. Your occupation can give insurers insight into your driving habits. Some jobs require more time spent on the road, which increases your risk of an accident. Find out more about how your job can affect your car insurance price.
4. The type of car you drive and what group it’s in. Cars are grouped from 1-50 for insurance purposes. Generally, the higher the car insurance group the more expensive your policy will be. Your car’s engine power and value will affect the cost of your insurance.
5. Mileage. Calculate your mileage as accurately as you can as the number of miles you drive each year will affect your prices.
What’s included in a multi car policy?
This depends on the level of cover you choose. Like a standard single-car policy, you can choose from three levels of cover:
Comprehensive cover gives you the most protection, covering you and your car as well as other people and their property.
Third party-fire and theft insures you and your passengers against damage caused to someone else or their property. It also covers your car for repair or replacement if it’s stolen or damaged by fire.
Third party only is the lowest level of cover available. It insures you against damage caused to someone else or their property, including your passengers, as the result of an accident. It doesn’t cover your car against repair or replacement.
Whatever level you choose, you’ll have the option to add extras such as:
Breakdown cover can help you get your car back on the road or provide recovery to a garage for repairs.
Courtesy car cover keeps you in the driving seat while your car is being repaired.
Personal accident cover provides extra cover against injury and/or death caused by an accident.
Motor legal protection could help you recover certain uninsured losses that aren’t covered by your own car insurance policy, if you’re involved in a road accident that wasn’t your fault. It’s also sometimes known as ‘legal cover’.
Windscreen cover insures your windscreen and windows for repair or replacement.
What you need to get a multi car quote?
Getting a quote is straight forward, you’ll need the following details for a multi car policy quote:
Details of each car you want to insure
Personal details of each driver
Need more help?
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 will keep each car on its own original renewal date.
When it comes time to renew your multi car policy, you’ll be offered a quote for all cars on the policy.
This depends on how many cars you’re insuring. Most insurers offer discount for two or more cars that are added to the policy. Other discounts will be based on your individual circumstances, like how many years no-claims bonus you have.
This depends on the insurer you choose. Admiral offer multi car cover for multiple addresses as long as the cars belong to your immediate family.
Other insurers such as RAC only offer multi car policies to those who live at the same address.
Yes, 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 won’t affect the other cars on the policy.
RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Car Insurance and RAC Home Insurance are arranged and administered by BISL Limited, which is an independent intermediary. Registered in England no. 3231094. Registered office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. Both companies are authorised and regulated by the Financial Conduct Authority.