Multi-Car Insurance
Compare Multi-Car Insurance Quotes
- Compare 110+ insurers
- Save up to £523* online
- Find a great deal today
Compare affordable car insurance from top UK’s leading multi-car insurers including:
Why Compare Multi-Car Insurance Quotes at SimplyQuote.co.uk?
Insuring your car is a legal requirement in the UK to remain compliant. While regular vehicle insurance is great for single cars, multi-car insurance allows you to add all your household’s cars under one policy.
This is by far the most economical car insurance option, especially if you have adult kids or live in a houseshare where there are multiple cars at the same address. You’ll receive a discounted rate for each car added to your policy and can tailor each vehicle with individual add-ons and levels of cover.
But, finding multi-car insurance can be tricky and time-consuming.
Use the 100% free, online comparison tool to source the best multi-car insurance deals in just a few clicks. Take your pick from leading UK insurers and save money today!
What Do You Need To Get A Quote?
You will need to provide the following information to get an accurate multi-car insurance quote:
- Main member’s details (i.e. principal policyholder)
- Drivers’ details – e.g. names, address, valid driver’s licence
- Personal details – drivers must have UK residency
- Vehicle details – e.g. make, model, age, size, average mileage
- Policy details – e.g. the level of cover you want, when you want the policy to kick in
- Insurance details – e.g. claims history
Why Do You Need Multi-Car Insurance?
It’s a legal requirement to have the correct car insurance in the UK. While multi-car cover is not a necessity, it is a cost-effective option to bundle multiple cars under one policy, with one renewal date.
Think about it: Instead of paying for individual car insurance for you, your partner, and two adult children, you could opt for a multi-car insurance policy to save cash on your premiums.
While these cars generally need to be registered to the same address, some insurers will cover family members living at different locations – like students living away from home.
Here’s a quick pro and con list so you can make a more informed decision:
| Pros | Cons |
|---|---|
| Multi-car discount = save up to 12.5% per additional vehicle. | Inexperienced drivers (or those with driving convictions) listed on your policy could increase your premiums. |
| Cheaper than having separate car insurance policies. | If one driver makes a claim, it could impact other cars’ premiums (i.e. they could pay higher excess). |
| Add up to six cars and 12 drivers per policy. | Having multiple cars on one policy = a bigger lump sum to pay. |
| Tailor car insurance add-ons and the level of cover per vehicle. | |
| Having all your cars under one policy (with one renewal date) makes managing paperwork and policy documents a breeze. | |
| Each driver retains their own claims bonus. |
Who needs multi-car insurance in the UK?
Households with more than one car benefit from multi-car insurance.
The good news? You don’t need to be related/family members to opt for multi-car insurance. Here are a few scenarios:
- Couples living together
- Friends living together (a.k.a house shares)
- Single person with two or more cars
What Does Multi-Car Insurance Cover?
A multi-car policy is no different to standard car insurance in terms of what is and isn’t covered. A comprehensive multi-car policy typically covers:
- Third-party liabilities
- Vehicle damage
- Breakdown cover
- Personal accident cover
- Uninsured driver promise – if the other driver is uninsured, you’ll keep your claims discount
- Legal expenses – also called motor legal expenses
- Malicious damage/vandalism
- Locks and keys
- Misfuelling
- Theft
What’s not covered?
- General wear and tear (e.g. brake pads)
- Driving under the influence of illegal drugs or alcohol
- Driving without a valid driver’s licence
- Unnamed/uninsured drivers
- Driving with an expired/suspended/banned licence
- Personal belongings – unless additional cover is taken out
- Negligence
- Intentional damage
What types of multi-car insurance are available in the UK?
There are two main types of multi-car insurance in the United Kingdom:
| Type | Description |
|---|---|
| Linked multi-car policies | Each policy has different cover, benefits, and add-ons. |
| Policies can start and finish on different dates if needed. | |
| No-claims discounts (NCDs) work the same as standard car insurance – each driver has their own NCD. | |
| Multiple car cover on one policy | Renewal dates are synced (i.e. one renewal date for all the cars on the policy plan). |
| Cover, benefits, and add-ons are generally the same for all the cars. | |
| If you switch to a different multi-car policy midway through your current policy, you may be liable for cancellation fees and will forfeit NCDs for that year. |
What Levels Of Multi-Car Insurance Can You Get?
You have three levels of multi-car cover to choose from in the UK:
1. Third party only
- Lowest level of cover.
- Minimum requirement as per UK law.
- Covers third-party damages/injuries should any driver on the policy injure a member of the public or damage their property/possessions while driving.
- Does NOT cover damages to your own car/s or personal expenses.
2. Third-party, fire and theft
- Mid-tier level of cover.
- Includes TPO.
- Will pay out if your car/s are damaged by fire or are stolen.
- Does NOT cover damages to your own car/s or personal expenses.
3. Fully comprehensive
- Highest level of cover.
- Includes TPO and TPFT.
- Will cover vehicle repair/replacement costs, personal accident expenses, legal fees, and other added benefits like breakdown cover.
Note: Some insurance providers may only offer TPFT or comprehensive plans. Confirm these details with your chosen insurer.
What Optional Extras Are Available For Multi-Car Insurance?
Here’s a list of add-ons available for multi-car insurance in the UK:
- Motor legal expenses – roughly £26 per year.
- Guaranteed hire car cover (i.e. courtesy car) – starts at about £20 per year.
- Extended personal accident cover – protects you with around £100,000 of cover.
- Breakdown cover – about £26 per year per vehicle.
- EU/international cover – starts at around £42 per year per vehicle.
- Personal belongings cover – most comprehensive multi-car insurance plans include £200 – £300 cover for personal items.
- Windscreen cover – generally included in comprehensive plans.
What Is The Price Of Multi-Car Insurance?
Regular car insurance in the UK (for one car) is roughly £627 annually.
Here’s what you could potentially save, per year, with a multi-car policy:
| Number of Cars | Potential Annual Savings (£) |
|---|---|
| Two cars | £171 |
| Three cars | £262 |
| Four cars | £341 |
| Five cars | £484 |
| Six cars | £711 |
What impacts insurance premiums?
- Age of driver/drivers
- Mileage
- UK location
- Type of vehicle/s
- Level of cover chosen
- Optional extras added
How Can You Get Cheaper Multi-Car Insurance Rates?
There are several ways to reduce your insurance premiums. These include:
- Compare quotes from multiple insurers to find the best deal.
- Pay annually, not monthly.
- Add named drivers to your multi-car insurance policy.
- Limit the amount of optional extras you include.
- Only choose the level of cover you/the drivers need.
- Opt for cheaper vehicles and avoid modifications.
- Keep vehicles secure when not in use – park in locked garages, private driveways, etc.
- Consider telematics insurance (black boxes).
- Reduce your mileage as less time on the road means lower premiums.
Ready to choose multi-car insurance? Compare quotes with SimplyQuote today!
How To Compare Multi-Car Insurance With SimplyQuote?
Compare car insurance for multiple vehicles in four easy steps with SimplyQuote:
- Fill in the quick form with driver details and how many cars you want to cover.
- Select the policy add-ons you want.
- Effortlessly compare quotes with the online comparison tool.
- Save money on your premiums today!
Related Insurance
Frequently Asked Questions
Multi-car insurance is exactly the same as standard vehicle insurance. The only difference is that you bundle all the cars from the same address under one policy.
Multi-car insurance allows you to insure two or more vehicles, registered to the same household address, under a single policy. The number of cars covered typically ranges from two to six, depending on the insurer.
A multi-car discount is a reduction in your insurance premium for insuring multiple vehicles under a single policy. These discounts can range from 5% to 15% for each additional vehicle added to your policy.
Generally, yes, all vehicles on a multi-car policy need to be kept at the same premises. However, some insurers may insure vehicles at different addresses, like adult kids away at university. Depending on the terms and conditions, these vehicles may not be eligible for the multi-car discount.
Yes, you can! Any household with more than one car can cover multiple vehicles on a multi-car policy, regardless of whether they are new or second-hand.