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Multi car insurance

Insure multiple cars on 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 a single policy. It can be a convenient option for households with more than 1 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 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

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 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
Lancaster car insurance

Request a callback from Lancaster

RAC multi car insurance

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

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

Are multi car insurance policies cheaper?

It could be cheaper to insure all your cars on a multi car insurance policy, but there's no guarantee.

Multi car cover works in the same way as standard car insurance. The price depends on the driving history of all the drivers listed on the policy. It also depends on the cars insured and where you live.

Younger or inexperienced drivers, for example, might increase the cost.

If you have a small number of cars to add to the policy, multi car insurance might not be the cheapest option for you. 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 cover levels as well as the cost.

Typically, the more cars you list on a multi car insurance policy, the more you save.

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
  • Third-party car insurance is the lowest cover level 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. It also covers your passengers.
  • Third-party, fire and theft car insurance covers everything that third-party does. But it also covers repairs or replacement if your car is stolen or damaged by fire.
  • Comprehensive car insurance offers the highest level of protection. It covers you and your car, plus other people and their property. It can also be the cheapest option.

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

Each provider will offer a range of optional add-ons that you can pay to add to your multi car insurance policy, including:

  • Breakdown cover to help you get your car fixed or provide recovery to a garage for repairs.
  • Courtesy car cover so you can still drive while your car is being repaired.
  • Personal accident cover for injury or death caused by an accident.
  • Motor legal protection, or legal cover, could cover what your car insurance policy doesn't if you’re involved in a road accident that's not your fault.
  • Windscreen cover insures your windscreen and windows for repair or replacement.

What do I need to get a multi car quote?

To get a multi car insurance quote, you'll need to have these details ready:

Car details

  • The number plate or make and model of all cars you want to add
  • 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 from your last renewal documents
  • Driving licence numbers

Want to get a quote for just one car?

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.

Louise Thomas - Car insurance, personal Finance, mortgage and life insurance expert signature

Louise Thomas

Car insurance expert

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.