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Multi car insurance

Insure all cars in your home under one manageable policy

Admiral car insurance logo
RAC car insurance logo
Lancaster car insurance

What is multi car insurance?

Multi car insurance allows you to insure multiple cars on one policy. It can be a convenient option for households with more than one car, saving you the hassle of insuring each vehicle separately.

Admiral multi car insurance

  • Admiral has 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 policyholder earns their own no-claims bonus
  • Family members can join the policy, even if they live at a different address
Admiral car insurance logo

Lancaster multi car insurance

  • 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
  • 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
Lancaster car insurance

Request a callback from Lancaster

RAC multi car insurance

  • RAC offers separate no-claims bonus for each car, and they all keep their policy renewal dates
  • Get a 10% discount for every car, for up to 3 additional cars added to the multi car policy
  • Family and friends can all benefit from the multi-car discount if they live at the policy address
RAC car insurance logo

How does multi car insurance work?

Multi car insurance allows you to combine multiple car insurance policies into one. This can be helpful for families who have more than one car in the household. Instead of keeping track of different policies and insurers, multi car bundles it all into one place.

Most insurers offer discounts for each car that is added to the policy, meaning you could all save money. You’ll get the same benefits offered from an individual car insurance policy, but with added discounts. Insurers can sometimes offer cover for up to seven cars on one policy.

You’ll usually all have to live at the same address but some providers will cover family members who live at different addresses.

Although multi car insurance 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 the right option for me?

There are many reasons a multi car insurance policy could benefit you:

  • You could save money on your car insurance if you live in a household with more than one car. Having one policy to cover multi cars could work out cheaper than multiple policies for multiple cars.
  • It could be more convenient than separate policies. Insuring all cars on the same policy with the same insurer could save you time on paperwork and managing different renewal dates.
  • Families with different addresses can save too. Some policies don’t need all policyholders to live at the same address. If the cars belong to immediate family members, they don’t even have to be registered to the same address. This can be helpful if you have children studying or working away from home.

But there are some things to look out for if you’re considering a multi car policy:

  • Young or newly qualified drivers may push the overall cost up
  • Claims may affect the price of future policies for all drivers
  • One single payment is expensive to pay in one go - separate policies enable you to spread the cost

Are multi car insurance policies cheaper?

It can work out cheaper to insure all your cars on a multi car insurance policy, but there’s no guarantee it’ll cost less than separate policies. The price will depend on your own circumstances, as well as the other drivers listed on the policy. Younger or inexperienced drivers, for example, may push up the cost.

It works in the same way as standard car insurance. Before you get a quote for a multi car policy the insurer will look at the driving history of the drivers on the policy. They’ll also look at the cars insured and where you live among other things.

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.

Typically, the more cars you list on multi car insurance the more you’ll save.

How are multi car insurance prices calculated?

Each insurer will use different rating factors and pricing models when giving you a multi car quote. The main things considered are:

  • Your address
  • Your age and driving experience
  • Whether you have any driving convictions
  • You occupation
  • The type of car you drive
  • Your mileage
  • Your address. Insurers use your address to judge the likelihood of a claim being made. If you live in an area with higher crime rates, for example, you’re likely to pay more than someone living in a lower risk area.
  • Your age and driving experience with younger, less experienced drivers paying more for their car insurance. Statistics show less experienced drivers are more likely to be involved in an accident.
  • 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.
  • 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.
  • Your mileage. Calculate your mileage as accurately as you can as the number of miles you drive each year will affect 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 is the lowest level of cover available and the minimum legal level of cover required to drive. It covers you if you damage someone else’s property or injure them while driving, and will cover your passengers too. This level of cover isn’t necessarily the cheapest option.
  • Third-party fire & theft insures you against damage you might cause to someone else, their car or their property, including your passengers. It doesn’t include cover for damage to your own car but does cover repair or replacement of it if it’s stolen or damaged by fire.
  • Comprehensive car insurance gives you the most protection, covering you and your car as well as other people and their property. Although it offers the most protection, comprehensive car insurance can sometimes be the cheapest option.

What optional extras can I get with a multi car policy?

As with individual policies you can also add extras on to a multi car insurance policy. These include:

  • Breakdown cover to help you get your car back on the road or provide recovery to a garage for repairs.
  • Courtesy car cover to keep you in the driving seat while your car is being repaired.
  • Personal accident cover which 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 do I need to get a multi car quote?

Getting a quote is straightforward, you’ll need the following details for a multi car policy quote:

    Car details

  • The number plates or makes and model of the cars
  • Existing renewal dates, if any
  • Any modifications to the cars

    Personal details of each driver

  • Date of birth and full name
  • Any previous insurance claims or motoring convictions
  • Existing no-claims bonus, this should be included in your last renewal documents
  • Driving licence numbers

Want to get a quote for just one car?

What our expert says

You could save a lot of money with a multi car policy, and it’s a great option for families. There’s no guarantee it’s the cheapest option though, so it’s worth checking the cost of individual policies to see which works out cheaper.
Alex Kindred signature

Alex Kindred

Car insurance expert

Need more help?

Can I add vans and motorbikes to a multi car policy?

No. To insure motorbikes and vans you will have to buy van insurance or motorbike insurance.

Can I buy multi car insurance for just two cars?

Yes - multi car insurance is for any household with more than one car. The discounts however will be greater the more cars are covered.

Can I earn NCB on a multi car policy?

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.

Can I have different addresses on the policy?

This depends on the insurer you choose. Admiral offers multi car cover for multiple addresses if 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.

How many cars can I insure with multi car insurance?

This will differ with each insurer, but most policies cover from one to five cars. Admiral allows up to 7 cars on one policy.

How many years am I tied into a multi car policy?

Cover is arranged over the standard 12 month term, so once it is due to renew you are free to review your policy for the following year.

How much can I save with a multi car policy?

This depends on how many cars you’re insuring. Most insurers offer a 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.

What happens at renewal time?

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.

What levels of cover are available on a multi car policy?

You can select the same levels of cover that you would with an individual policy: comprehensive, third party fire and theft or just third party.

Will I be able to drive all the cars on a multi car policy?

Yes - but only if you are listed as a named driver for each car covered by the policy. This will have an impact on the price of the policy but may make family logistics easier.
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There is no charge for using our service. We compare a range of trusted insurers that are household names. Confused.com is an intermediary and may receive a fee from our insurer partners if you decide to buy through our website. We pride ourselves on impartiality and independence – therefore we don't promote any one insurer partner over another. Admiral multi car insurance is arranged and administered by EUI Limited (trading as Admiral), who are authorised and regulated by the Financial Conduct Authority. Registered office; Ty Admiral, David Street, Cardiff, CF10 2EH. Registered in England and Wales, No 2686904. Lancaster multi-car insurance is arranged and administered by Lancaster Insurance Services which is a trading name of Insurance Factory Limited. Insurance Factory Limited is authorised and regulated by the Financial Conduct Authority (No. 306164). Registered in England and Wales number 02982445. Registered office Markerstudy House, 45 Westerham Road, Sevenoaks, Kent TN13 2QB. Insurance Factory is part of the Markerstudy Group of Companies. 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.