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
- RAC offers a 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 same address
Is multi car insurance the right option for me?
There are many reasons a multi car insurance policy could benefit you, including:
You could save money on your car insurance if you live in a household with more than 1 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 at different addresses could 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
- Any claims could affect the price of future policies for all drivers
- A single payment is expensive to pay all at once - separate policies enable you to spread the cost
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
- Your occupation
- The type of car you drive
- Your mileage
- Your address is used by insurers to judge your likelihood of making a claim. 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 are also considered as younger, less experienced drivers tend to pay more for car insurance as they're 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. 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 car’s engine power and value both affect your insurance costs.
- Your mileage should be as accurate as possible as 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
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.
Car insurance expert
Need more help?
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.
This will differ with each insurer, but most policies cover from 1 to 5 cars. Admiral allows up to 7 cars on one policy.
Most multi car insurance companies state that all cars on the policy must be registered at the same address.
This depends on how many cars you’re insuring. Most insurers offer a discount for two or more cars that you add to the policy. Other discounts are based on your individual circumstances, like how many years no-claims bonus you have.
If you have a small number of cars to add to the policy, multi car insurance might not be the cheapest option for you. It's worth comparing the cost against buying individual car insurance policies to work out what's the best value.
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.