Multi Car Insurance

Search for multi car insurance from Quotezone.co.uk’s directory of specialist insurers. If you’ve got multiple cars registered at the same address, you could save money by insuring the cars under the same policy. Only need cover for one vehicle? Click here. Have multiple vehicles for business purposes? Click here.

🚗 MultiCar Insurance covers multiple cars on one policy, you’ll get our standard car insurance cover – but with a discount for every car added.
👨‍👨‍👦‍👦 Available to immediate family at different addresses. Each driver can keep and build up their own No Claims Bonus.
🥇 Top up your No Claims Bonus – Any car covered for three months gets a full year’s bonus if you don’t claim.

Rated 'Excellent' on Trustpilot.

🚗 Insure up to a total of 5 cars. You’ll get a discount for every one you insure.
🚙 Available to drivers at the same address. Each driver can keep and build up their own NCB.
🚕 Taxis or rental vehicles are excluded.

5* Defaqto rated policies available.
Rated 'Excellent' on REVIEWS.io.

What is multi car insurance?

If your household has more than one vehicle, these can be insured together on one multi car insurance policy. This could be a cost effective option that streamlines your renewal dates and premium payments.

How does multi car insurance work?

This insurance works to insure multiple cars within one household on a single policy. Multi car insurance providers will have their own allowances and limits, so it's important to check these before you commit.

Generally, you can insure between 2 and 5 cars. Some policies also cover cars when an immediate family member is living away from the home temporarily, for example when a child is at uni.

Getting all the cars onto a multi insurance policy is simple. Your insurer will typically allow you to get a future start date for each vehicle's coverage. This way, your car can be automatically covered when the previous policy expires.

The details of how your policy works will depend on the type of multi car cover. Options include:

Linked multi car policies

This works by creating separate policies for each car, often allowing separate renewal dates. This lets you personalise cover and add-ons for each vehicle, and gives more security to no claims discounts, as these will also stay separate.

One multi car policy

This ensures all cars are under one policy, syncing renewal dates and keeping consistent cover across all vehicles. If you switch to a multi car policy before your current one expires you may lose that year of no claims discount, so weigh up your options carefully.

Should I switch to multi car insurance?

Insuring all cars on one policy rather than separate car insurance policies could make it easier to manage insurance renewals and household spending. You could also benefit from the potential savings offered to those insuring multiple cars with a single provider. However, there are pros and cons to switching to multi car insurance. So be sure to weigh these up against your insurance needs before making your decision.

Pros of multi car insurance

Saving money with multi car insurance discounts – Some providers will offer discounts for insuring more than one car with them.

Simplifying renewals and paperwork – If you are responsible for renewing and insuring the cars in your home, having one insurance renewal date can make your life easier. You’re less likely to miss dates or allow auto renewals you don’t really want.

Streamline premium payments – Likewise, having one premium to pay can make managing your household spending easier. You know when the spend is coming, and you’ll only have to spend time shopping around for one policy instead of multiple ones throughout the year.

Cons of multi car insurance

Large premiums – Bundled premiums are not always a good thing. If you have not planned for the large payment, these can be more burdensome to pay. You still have the option to pay monthly, however, just like with separate policies, these payments come with added interest.

Adding high risk drivers – If you are insuring a young driver or a driver with convictions, these will naturally make for higher premiums overall.

Impact of claims – The majority of multi car insurance policies will treat no claims discounts as separate. However, one person making a claim will still impact the shared premium for the following year.

How to switch to a multi car insurance policy?

The process for switching from separate to combined car insurance varies depending on the insurer you choose. However, most remain flexible and allow you to add cars as their existing insurance expires.

When switching this way, you’ll typically insure the first car when it is ready. At this time the insurer will give you a quote for any additional vehicles. This quote is then guaranteed until the vehicles are up for renewal.

This means you don’t suffer cancellation fees, or lose no claims bonuses from ending the previous policies early. Once the car is insured under the multi car policy, renewal dates and premiums will usually be synced.

Tips to find cheap multi car insurance quotes

Always price insurance for the cars separately and together to insure you are actually saving.

Insure drivers with a good driving history and no claims discount.

Customise your coverage where possible so you don’t over-insure.

Shop around for multi car insurance to compare policies and ensure you don't miss out on cheaper deals.

Save for the premium to pay annually if possible as monthly payments come with added interest.

Coverage available on multi car insurance

Multi car insurance will offer the same levels of coverage as standard car insurance. This means you can choose from third party only, third party, fire and theft, and comprehensive coverage. You’ll also be able to add extra coverage like DOC insurance, no claims and excess protections, or personal accident cover. And add ons like breakdown, windscreen, and courtesy car cover will typically also be available.