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Cover for all of the vehicles in your household. Request a multi car insurance quote.

How do I get a multi-car insurance policy?

Multi car insurance comparison quotes is simple and fast, and it could help you save money. Here's how easy it is to get cover for all of your vehicles:

Registration number, make and model, mileage, and any changes to the vehicles
Registration number, make and model, mileage, and any changes to the vehicles
Drivers' details. Names, ages, and driving records
Choose the level of cover and add-ons you need for each driver and vehicle.

What is multi-car insurance, and how does it work?

Multi-car insurance helps you to insure several cars with a single insurer under one scheme. You'll get all of the benefits of a regular car insurance policy, plus a discount on each additional vehicle you add. You may also apply multi-car breakdown insurance to the policy, which covers all drivers and vehicles on the policy.

There are two categories of multi-car policies: (1) those that cover multiple vehicles and (2) those that do not.

Multi-car policies that are connected

Multi car insurance policy has various cover, incentives, and add-ons, so you could have a comprehensive policy with breakdown cover and legal costs, as well as a simple third-party fire and theft policy for your teen, all under your multi-car insurance policy.

Policies may also begin and end on various dates.

On a single scheme, multiple vehicles are protected

For multiple car insurance, the renewal dates are synchronised, and you only have to deal with one policy on all of your vehicles.

The cover is normally the same for each driver and vehicle, but always double-check the paperwork.

May I opt for multi-car coverage?

Multi-car insurance is best for families of multiple drivers who all live at the same address. Since it normally only covers cars stored at the same location, certain multi-car policies will allow one car to be kept away from home for extended periods of time, which is great news for students away at university.

However, check the insurer's terms and conditions to see if this form of cover is available; not all are.

You can find it more convenient to negotiate with only one insurer rather than many, but keep in mind that not all insurers cover all vehicles on a single policy.

The multi-car discount is the biggest benefit, but there are other advantages and disadvantages to consider:

Advantages

It could be easier to handle paperwork and claims if all drivers and vehicles are insured under one multi-car insurance policy.
Despite the fact that all drivers are covered by the same scheme, each driver keeps their no-claims bonus. As a result, if someone else wants to file a lawsuit, the no-claims benefit should be unaffected. However, double-check the policy documents to be sure.
Some plans protect vehicles that spend most of the year away from home, which is beneficial if you have older children away at university.

Disadvantages

When determining a price, the insurer must consider everyone's risk of a claim. That means a new driver or one with a history of traffic violations may raise premiums for anyone else on the policy. If that's the case, it'll almost certainly be less expensive to insure the vehicles separately.
If one driver makes a claim, it will raise the price for other drivers on the policy in the future, depending on how the policies are related.
If one driver makes a claim, it will raise the price for other drivers on the policy in the future, depending on how the policies are related.

Is it cheaper to insure multiple vehicles?

There's no guarantee that it'll be less expensive than buying separate plans, but it's worth looking into. Compare multi car insurance prices, add them up, and then try multi-car insurance quotes to see if it saves you money.

Only make sure you're comparing apples to apples in terms of cover and functionality. So, if you want comprehensive policy that includes legal protection and coverage for driving in Europe, just look at plans that have certain features to find the cheapest multi car insurance.

Two of the most important factors influencing the price are the driver's age and the car insurance category. That means a multi-car policy combining a 50-year-old driving a BMW i8 and an 18-year-old driving a modified Citroen C3 will be priced based on the danger each presents to the insurer and will be bundled into one premium.

However, there are numerous other factors that influence the price. Your driving background, whether you've filed a claim before, whether you've received penalty points, and even where you live all have an impact on the cost.

Can multi-car insurance save you money?

Compare quotes for each vehicle separately to see what you can save.

Features and add-ons for multi-car policies

A common list of what is covered by a multi-car policy does not exist. Some will require additional payment, so make sure you just add and pay for what you really require.

Discount for first-time drivers - The policy's first car receives its own multi-car discount. Open the policy and tell the insurer how many cars you want to add later so that the discount can be calculated.
Courtesy vehicle cover - Most multi-car plans include a courtesy car to keep you on the road if you have a breakdown.
If you're driving in a convoy to Europe, multi-car insurance can cover you for European driving, however, read the fine print and ask your insurer to expand your cover if it isn't included.
Windscreen replacement - If the windscreen on one of the insured cars breaks, most multi-car insurance policies will cover windscreen replacement.
Multi-car plans provide personal belongings cover in the event that your in-car stereo or sat-nav breaks or is stolen.
Personal injury cover - Personal injury cover protects you if you are found to be at fault in a car accident, up to a certain amount.
Multi-car insurance plans, like most comprehensive car insurance policies, can include a 24-hour emergency helpline. You should seek advice and assistance if you are involved in an accident that is your fault.
Matching no-claims bonuses - Depending on the insurer, the no-claims benefit on the second and third cars you add to the multi-car policy will be matched.

Discounts for no-claims on multi-car policies

No-claims discounts (NCDs) operate the same way on linked plans as they do on regular car insurance policies. Each driver receives their own, and if they make a claim, it will only affect them.

Renewal dates are synchronised with all policyholders when several cars are covered by one policy.

This leads to two issues:

If you turn to a multi-car policy when your current policy is still active, you will lose your NCD for that year.
It's possible that you'll have to pay cancellation fees.

Some insurance companies allow you to add each vehicle as it approaches its renewal date. Others will give you a quote for the second car when you're having the first covered. The price is then locked in until the second car's lease is up for renewal.

If your preferred insurer does not have this service, you can sync up all of the cars in the household on the day when the last car is due for renewal and purchase short-term insurance for the remaining cars in the meantime. However, when you could only insure for a year, cover your NCD, and be done with it, it can be a more expensive choice rather than cheap multi car insurance.

Frequently asked questions

Is multi-car insurance a good idea for you?

A multi-car insurance policy can be advantageous for a variety of reasons:

You may be able to save money on your car insurance. If you have more than one car in your household, a multi-car policy could save you money by insuring all of your vehicles with the same insurer.
Separate policies are less convenient. Insure all of your vehicles with the same insurer to save time on paperwork and to keep track of various renewal dates.
Families with multiple addresses can also save. Some regulations don't require all policyholders to share an address. The cars don't even have to be registered to the same address if they belong to immediate family members.

What is multi-car insurance and how does it work?

You may merge several car insurance plans into a single policy for multi car insurance policies. Most insurers have discounts on each additional vehicle added to the policy, so you could all save money. You'll get the same incentives as an individual car insurance policy, with more savings.

Multi-car policies may be beneficial to families with many automobiles. Instead of having to keep track of multiple plans and insurers, multi car consolidates it into one location. Most insurance companies can cover up to seven cars on a single policy.

Although having multiple cars is convenient, it is not for everybody. It's a smart idea to compare car insurance quotes for individual plans, add the prices together, and compare to a multi-car policy to see which is the most cost-effective alternative.

It operates in the same way as a regular 12-month policy does. The insurer will look at your driving background, the vehicles you're insuring and other factors regarding you and the other drivers on the policy before quoting you a price for a multi-car policy.

To determine the alternative is less expensive, obtain individual quotes, add them all together, and determine the total cost. Then get a quote for multi-car insurance and compare the costs. Remember to compare cover levels to make sure they're comparable. As a result, quote rates will be affected.

With multi-car insurance, how many cars will I insure?

Every insurer's policy will vary, but most policies cover one to five vehicles.