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If you or your family has more than one car, a Multi Car Insurance Policy will allow you cover up to 5 vehicles on one single policy and you can save up to a third on your car insurance for doing so!
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What is a multi car insurance policy?
A multi car insurance policy allows customers to insure several cars on the same policy providing they all live at the same address. It’s worth noting that each car insured as part of a multi-car insurance policy will have its own independent level of cover.
One of the main benefits of a multi car policy is the ease of administration and simplicity of managing multiple people’s car insurance under one roof. If you are considering a multi car insurance policy within your household here are a few things to bear in mind before you shop around.
- Each car on the policy will retain its own renewal date, for example, if you have a car with its own insurance cover in place already, it might be best to wait for the policy to lapse and then add the vehicle to a multi-car package when its current cover has expired. You can do this with all the other vehicles in the household until they all align and are put on the same policy.
- Each car will have its own separate no-claims bonus. Having a separate no-claims bonus for each car is preferable as it means that each driver can continue to build their discount without other drivers affecting their accumulated benefits. Should someone on the policy have an accident, the no- claims bonus will not affect the other drivers on the policy.
- You have the flexibility to choose the amount of excess you want to pay for each vehicle meaning you can tailor your needs based on the financial situation of each family member.
Generally, a multi-car policy is an attractive choice for insurers due to the addition of multiple customers and reduced administration. With this in mind, you may be able to make a decent saving with this type of cover. There may be a set level of discount per vehicle added to the policy making it a good choice for saving money as a whole family.
What type of car insurance do I need?
The type of car insurance you need depends on the level of coverage you desire for your lifestyle and budget.
Third party only
This gives you the minimum requirement to drive a vehicle legally in the UK and covers other people on the road that you come into contact with (including drivers and pedestrians), but does not provide any cover for you or your vehicle.
Third party, fire, flood and theft
In addition to the third party cover, this also covers your vehicle for any damages and replacements relating to fire, flood and theft.
Fully comprehensive
This is the highest level of cover available for car insurance and covers theft, any damage to your vehicle from third parties, fire or floods and any personal injuries to
you too.
What does car insurance cover?
When choosing a car insurance policy it is essential to consider exactly what coverage suits your personal needs. There are lots of additional extras that can be added to a car insurance policy such as access to a hire car should your car require repairs, personal accident cover and a protected no-claims bonus.
Generally, if your car is involved in an accident, car insurance should cover the following as an industry standard:
- Injuries to you or other people involved
- Damages to your car
- Property damage
Car insurance can also cover you if your car is damaged by fire, or attempted theft, or if it’s stolen. Car insurance is a huge market with various brands and a wide range of policies, not all policies are created equal and with this in mind, you must read the fine print concerning your policy. A thorough read of your quote should provide the relevant information you need when considering any exclusions or limitations.
What details do you need to get a car insurance quote?
To get a car insurance quote there are a few things you’ll need to tell us about.
- Your car – either your registration number or the car’s make, model and age. You’ll need the registration number to buy a policy.
- How you use your car – for pleasure and commuting, or for business purposes too.
- No claims discount (NCD) – how many years you have (you’ll need proof from your current insurance provider if you’re switching to a different one).
- Your driving history – any accidents, insurance claims and driving convictions from the past five years. Be honest, or you could invalidate your car insurance policy.
- Additional drivers – details of any additional drivers you want to add to the policy.
You’ll also need to provide a few personal details: your name, how old you are, where you live
and the type of job you do.
What happens if I get caught driving without car insurance?
Car insurance is a legal requirement and no driver should be behind the wheel without a legitimate policy. Here in the UK, driving without car insurance can incur substantial punishments including six points and a £300 fixed penalty.
In addition to the above, If the offence is taken to court drivers can face disqualification from driving entirely and an unlimited fine.
The financial protection offered when driving with insurance acts as peace of mind should you get into an accident that causes damage to people or property. In instances where someone is involved in an accident without car insurance, hefty expenses can be accumulated in addition to the typical penalties applied due to driving without insurance.
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- Cheap car insurance quotes from over 110 providers
- 51% of drivers could save £535.17* on their car insurance
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Simplify with Multi-Car Insurance
Why deal with multiple policies when you can cover all your household’s cars under one policy? Save money, protect each driver’s no-claims bonus, and enjoy the ease of hassle-free management.
“Having a separate no-claims bonus for each car is preferable as it means that each driver can continue to build their discount without other drivers affecting their accumulated benefits.”
FAQs
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What is multi-car insurance and how does it work?
A multi-car insurance policy allows you to insure several vehicles on the same car insurance policy. The only condition is that all the vehicles have to be registered with the same home address. It is ideal for an individual with multiple vehicles who wants to unite their car insurance under one policy, or for a family.
Although in a multi-car insurance policy, all vehicles are jointly insured, each vehicle still maintains its individuality. It can have its own independent level of cover, with its own unique details taken to assess its own unique level of risk. Each car’s risk level is then used to determine the general risk level for the policy. There will also be a unique no-claims bonus for each car so that one driver’s accident won’t affect another driver’s discount.
You can begin a multi-car insurance policy with only one car, subsequently adding other cars to the policy. Every vehicle keeps its individual renewal date. This ensures flexibility as to when you add cars to the policy. There is also flexibility as to the amount of excess paid. You can decide how much excess you want to pay on each vehicle according to your financial situation.
Why should I get multi-car insurance?
There are several important benefits to getting a multi-car insurance policy for families and households. For one, it can help you cut insurance costs, as many insurers offer discounts for bundling vehicles under one policy. It is also a great way to simplify the administration of your car insurance, as you can manage all your vehicles under one policy. With multi-car insurance, it becomes easier to track and manage multiple insurance policies.
However, it is important to note that there a certain factors that determine whether you can get multi-car insurance. For example, to purchase multi-car insurance, you must be at least 28 years old and must have been a resident of the United Kingdom (UK) for no less than two years, with a full UK driving license of no less than five years.
What type of multi-car insurance can I get?
There are three multi-car insurance coverage types to choose from;
Third-party-only insurance: This insurance offers the most basic level of coverage to meet the legal minimum requirement for driving in the UK. It covers damages to other people on the road, including drivers and pedestrians, but offers no protection for your vehicle or personal injuries.
Third-party, fire, flood, and theft insurance: This insurance expands on third-party-only insurance coverage. It covers your vehicle against damages resulting from fire, flood, and theft incidents while protecting other road users.
Fully comprehensive insurance: This insurance provides the highest level of coverage available. This option covers theft, damages to your vehicle caused by third parties, fire, floods, and personal injuries.
How can I get a multi-car insurance quote?
We can help you compare multi-car insurance policies by giving you a quote for each provider’s coverage options. To give you an accurate quote, we will request specific information about each vehicle and the drivers. Below are some of the details we require:
Registration number
Car’s make, model, and age
How you use the car (personal/commuting or business purposes)
No claims discount (NCD) years with proof from your current provider if you’re switching to a new provider
Any accidents from the past five years
Any insurance claims from the past five years
Any driving convictions from the past five years
Details of any additional drivers you want to include on the policy
Personal details like your full name, age, home address, and occupation
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