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Multi car insurance comparison website

Multi-car insurance lets you bundle all your car insurance together with a single insurer, either with multiple policies held together or a single policy for all vehicles. You'll usually be rewarded for this with a discount on your premiums.

For multi-vehicle households it's a convenient way to buy and pay for your insurance and for some there can be a healthy saving on the cost of buying stand-alone policies from separate insurers.

But it's important to note that the pros and cons of multi-car insurance are not necessarily as straightforward as they initially appear.

No matter how many cars you have, there's no guarantee it'll be the cleapest option for your circumstances, so it's a good idea to check out the prices of individual vehicle policies as well to see if you could save.

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The benefits of a multi-car policy

Like car insurance, multi-car policies will usually last for one year, and policyholders may be able to spread the cost of the policy across 12 months, although this is likely to incur interest.

As well as the possibility of a discount, the convenience of having a single contact point for all policies in the household could be an attractive benefit of multi-car insurance.

CheaperA comprehensive multi-car policy could include any of the following as standard, or as an optional add-on:

  • First car discount
  • Courtesy car
  • European cover
  • Windscreen repair
  • Stereo cover
  • Personal injury cover
  • Sat-nav cover
  • Emergency helpline
  • No claims bonus match

But single car insurance policies joined together to gain discounts may each contain different benefits and add-ons, rather than share them across all policies.

How many vehicles can go on a multi-car policy?

A multi-car policy can cover two or more vehicles, but the number will be capped at a specific limit.

When this article was researched in April 2017, the majority of providers would cover between two and five vehicles.

Other providers can add more vehicles to a multi-car policy; Churchill and Direct Line, for example, could offer a policy for 10 cars in April 2017, however these are independent policies linked together to get a multi-car discount.

Which is the best multi-car insurance policy?

The best policy for you will depend on your own circumstances and renewal dates - not all providers treat these the same way:

Is multi-car available to new customers? Can you transfer no claims discount? Match no claims discount? Guaranteed future quote on additional cars?
Admiral Yes Yes Yes Yes
esure No No Yes Yes

Depending on your unique circumstances, a multi-car deal may give you greater flexibility and help you spread the cost of insurance across the year, but it may not be a cheaper way to take out cover than arranging multiple individual policies, and there are a number of other things you should take into account before committing.

The 'best' multi-car insurance policy is entirely relative to your individual situation, but as a starter for 10, review how the insurer deals with no claims discounts:

  • Read your terms and conditions carefully to see if your no claims bonus can be transferred to your multi-car policy
  • Renewal may need to be at the same time for all policyholders, so be aware that if you switch to a multi-car policy part-way through an existing policy, you'll miss out on your no claims bonus for that year and may not be able to get a refund on unused premiums
  • There may be problems transferring a no claims bonus accrued on a multi-car policy if you choose to change provider - or switch to a single-vehicle policy - in the future

Renewal dates can be another sticking point. If your cars aren't all up for renewal at the same time, you may be concerned about the cost of adding cars at a later date.

Some providers will let you get a quote for the second car when you take out cover for the first and guarantee to 'lock-in' this price when the second vehicle's renewal is due.

Can new customers have a multi-car policy?

New customers can't always open a multi-car policy.

Some insurers, such as esure, will only offer multi-car insurance to pre-existing, single policy customers, then combine the policies to give you the discount.

Admiral, on the other hand, does offer multi-car policies to new customers and no claims bonus transfers - simply supply the renewal letter from your previous insurer.

Both Admiral and esure allow drivers listed on the multi-car policy to absorb the no claims bonus of other listed drivers, by 'matching' their bonus.

Both insurers will allow each car listed on the policy to earn its own no claims bonus.

If one car is involved in an accident the rest of the 'family' remain unaffected, and depending on your terms and conditions, the driver of the damaged car may be covered for a courtesy car.

But, be aware that an incident-free driver on a multi-driver policy may lose out because of a claim made by someone else.

Remember too that different companies will treat renewal dates in their own way.

Above all else, it's important to remember that the terms and conditions of every provider's cover can vary significantly.

Will taking out a multi-car insurance policy save me money?

Unfortunately there's no single answer as to whether a multi-car policy will prove cheaper than taking out individual policies for each vehicle.

Research conducted by Admiral between 1 August, 2016 and 31 January, 2017, found that 10% of multi-car customers saved £454.[3]

Car insurance questionWhether you save or not depends on the large number of factors used to calculate an insurance quote, each of which is assessed and rated differently by each different insurance provider.

The only real way to tell is to obtain individual quotes - which you can do quickly and easily through a site such as Gocompare.com - then compare the total price to a quote for a multi-car policy.

You may also want to get more than one multi-car quote, given the fact that the deals offered by every individual provider will vary significantly.

If a multi-car policy is the cheapest and best way for you to arrange your cover in one year, remember that this won't necessarily be the case when it comes to renewal.

Providers are likely to be keen to push the benefits of the ease and convenience of renewing all your motor insurance in one go, but auto-renewal without shopping around is one of the most costly mistakes made by consumers when sorting out their cover.

"Loyalty counts for very little when it comes to insurance," said Gocompare.com's Lee Griffin. "Many drivers would be better off switching rather than sticking with the same insurer."

Multi-car insurance on comparison sites

The more complicated nature of multi-car policies - and the fact that the terms of the policies offered by different insurers varies so widely - means that you may struggle to find a genuine comparison service available for them.

This is one reason why insurers like to promote multi-car policies; it's a way of attracting customers directly to a provider rather than through a third-party comparison site.

If you do find a multi-car option on a comparison website, bear in mind that it's probably a policy that's offered by a single provider - you're not comparing it against other multi-car policy options in the market.

As an alternative, remember that you can compare and buy multiple individual car insurance policies through Gocompare.com, which may work out cheaper.

Multi-car policy renewal dates

Remember that different companies will treat renewal dates in their own way.

The policy may be opened with one car, with other vehicles joining on their renewal date.

The cars that join the policy later may be insured up to the original car's auto-renewal date, on a pro-rata basis, but it will vary between insurers.

Some will allow each individual policy within the multi-car deal to run and renew on its own timescale, others will demand that each individual policy renews at the same time.

The latter example could potentially see you losing out on months of cover from an existing policy in order to synchronise all the vehicles into a multi-car deal.

It's worth being aware of the administration charges associated with the policy, especially given the fact that multiple people and vehicles increase the likelihood of changes needing to be made in the course of the deal.

Potential changes to bear in mind could include a change of address or of the vehicle, and if the whole household moves, that could even result in an admin fee for each driver on the policy.

By Sean Davies

 


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Getting the right cover is the most important thing, and then you should look for the cheapest policy.

Choose the right level of cover

There are three levels of car insurance cover you can choose from in the UK:

  • Fully Comprehensive
  • Third party, fire and theft
  • Third party cover only

Here is what each level protects you against, and how to choose which is right for you.

What car insurance cover should you get?

Find the best policy for you

There are several different types of motor insurance policy, and choosing the right one could save you money.

  • Standard car insurance: Here is what a standard car insurance policy with cover.
  • Multi car insurance: Insuring two or more cars on one policy could mean cheaper cover; find out how it can save you money here.
  • Black box insurance: You can save by having your driving monitored through a black box policy; here is how it works.

Should you add extras?

You can customise your policy and extend your cover by adding extra benefits. These include:

  • Legal cover - here is how to work out if you need it
  • Breakdown cover
  • Cover for lost or stolen keys
  • No claims protection
  • Cover for driving abroad

Here is a full list of the car insurance extras that could be worth adding to your policy.

Check your policy to see if any of these are included as standard, and if not, consider whether it is worth the additional cost to add them.

Which car insurance extras are worth having?

How to get quotes from our comparison

You can get quotes from our website via the aggregator from our panel of insurers. Make sure you also compare separate policies in our table to make sure you get the best deal.

It can be a quick and easy way to find cheap policies, but be careful not to buy car insurance on price alone:

Pros and cons of comparison sites

  • Get lots of quotes quickly
  • Quotes shown in price order
  • Only one form to complete
  • Not all insurers are on them
  • Can be cheaper if you go direct
  • Multi car policies not shown

Car insurance FAQs

Q

Can I drive a car without insurance?

A

No, it is a legal requirement to have at least third party car insurance cover to drive in the UK.

Q

How can I get cheaper car insurance?

A

There are several things you can do to get cheaper cover. Try these 10 easy ways to cut your car insurance costs.

Q

What does car insurance cover?

A

It can cover damage to your and another driver's car after an accident. It can also cover theft, vandalism and fire.

Q

Is it cheaper to pay annually or monthly?

A

Paying annually in one go will usually work out cheaper because you will be charged interest of up to 30% when you pay monthly.

Q

Should I let my policy automatically renew?

A

No, your current provider will not usually offer the cheapest deal so shop around and find a new policy instead of renewing.

Q

Can I get insurance for an imported car?

A

Yes, you can use our quote service to find cheap cover for your imported car. You can select whether your car is a grey or parallel import.

Q

Can I check if a car is already insured?

A

Yes, you can check if a car has a valid insurance policy in place through the Motor Insurance Database (MID).

Q

How long does car insurance last?

A

Most car insurance policies last one year, but you can cancel your cover for a fee. You can get short term cover for between one day and three months.

Q

Can I drive other cars?

A

If you have a fully comprehensive policy you might be covered to drive other people's cars, but some polices do not allow this.

Q

Can I switch my policy to another car?

A

Yes, if you buy a new car you will need to tell your insurer so they can update your policy. The cost of your cover will probably change.

About our car insurance comparison

Q

Who do we include in this comparison?

A

We include every insurer that offers comprehensive and third party, fire and theft car insurance policies in the UK. They are all regulated by the Financial Conduct Authority. Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.

Source


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.

How to save with multi car insurance

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.

Compare individual car insurance policies

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.

About our car insurance comparison

Q

Who do we include in this comparison?

A

We include every insurer that offers multi car insurance policies in the UK. They are all regulated by the Financial Conduct Authority. Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.

Source

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