Multi car policies are designed to cover two or more cars and offer a discount for each car added.

Is it cheaper than individual cover?

It can be, but not always.

It can be cheaper to shop around and get individual quotes from different providers. This guide gives an example of how separate deals can sometimes be cheaper than multi car cover.

Who can be insured on a multi car policy?

Most multi car policies will only cover cars that are registered to the same household, so they are good option for:

  • Families with several drivers

  • Couples with a car each

  • A person with a second car

Some policies will cover drivers living at different addresses, for example a family with children at university, but not all.

Multi car insurance plans can usually cover up to five drivers, but some can offer cover for up to ten.

How to find the right multi car policy

You cannot get quotes for multi car insurance on aggregator comparison sites, so use our table above to get several multi car quotes so you can find the best deal for you.

You should also compare individual policies for each driver, because this could work out to be the cheapest way to get cover.

Multi car insurance FAQs

Q

Do all cars have to be insured at the same time?

A

No, most multi car policies will start from the date the last car is added, and this will be the renewal date for all vehicles.

Q

Why can it be cheaper?

A

Multi car policies can be a cheaper option because they offer a discount, for example 10%, for each car that is added to the policy.

Q

Can I add named drivers?

A

Yes, adding a named driver is no different. You cannot automatically drive the other cars on the policy unless you are added as a named driver.

Q

Will it affect my no claims if someone else claims?

A

No, only the person that makes the claim will be affected, however if a named driver on your vehicle claims it could impact your no claims bonus.

Q

Can I insure my car and work vehicle on the same policy?

A

Some insurers will cover both, but you will need to be the registered keeper of both vehicles, and they must be kept at your address.