Multicar insurance
Find the cheapest multicar insurance quotes
If your household owns multiple vehicles, it might be beneficial to insure them under a single policy, commonly referred to as multicar insurance. However, this isn’t always the most affordable choice. This guide explains how to evaluate and compare multicar and individual car policies to help you avoid overpaying.
What is multicar insurance?
Car insurance, at its most basic level, provides protection for other drivers, their vehicles, or their property if you’re involved in an accident. Additionally, you can choose to extend coverage for your own vehicle in cases of theft, fire, break-ins, or accidents.
Multicar insurance offers the same protection but allows you to insure multiple vehicles under a single policy.
The main benefit of this option is that it can often be more cost-effective to insure two or more cars together rather than purchasing individual policies for each vehicle.
However, it’s not always straightforward—sometimes multicar policies are more affordable, while in other cases, separate policies may offer better savings. Our guide will help you compare options to find the best deal for your needs.
Should I get multicar insurance?
If your household or family owns more than one car, it’s definitely worth exploring your options, and having different renewal dates doesn’t have to be an issue. In some cases, discounts for adding multiple vehicles can lead to savings of £100s, or even £1000s. However, for others, it might end up costing more.
Typically, first-time multicar customers are enticed with attractive deals, but that benefit may fade when it’s time to renew.
If you currently have a multicar policy, start by getting individual quotes for each vehicle. If you have separate policies, start by checking for multicar quotes first.
How to find cheap multicar insurance quotes
Since comparison websites don’t provide multicar quotes, you’ll need to obtain multicar prices directly from the insurers listed below. After that, you can compare these rates with the costs of individual policies obtained from comparison websites.
Follow our straightforward, step-by-step guide to walk you through the process…
Warning! Altering details in your insurance application can void your coverage: Minor adjustments like slightly changing your mileage or job title may be acceptable, but resist the urge to claim someone else as the primary driver, hide penalty points, or intentionally downplay your mileage to secure a lower premium. You must be entirely truthful, or your insurance could become invalid, and you might even face legal consequences.
Step 1: Check multicar policies
All your vehicles can be covered under a single policy. If your coverage begins simultaneously, it’s straightforward. If not, we’ve provided information below these links to explain how it operates. Below are some multicar insurance providers worth considering…
Multicar insurers to try
| Admiral* |
| Aviva |
| LV* |
| Diamond |
| Elephant* |
How does it work if my cars don’t have the same insurance renewal dates?
For most of the insurers mentioned, you can set up a multicar policy when your first car’s renewal is due, while the other vehicle(s) remain with their current insurer until their respective renewal dates. At that point, they’ll be transitioned to the multicar policy.
Aviva operates a little differently. You can still obtain a multicar quote and arrange a policy when your first car’s renewal comes up, but you’ll need to get in touch closer to the start date to add the other vehicle(s).
If you require a multicar quote for several vehicles with different renewal dates, this is how it may work:
You begin coverage for your primary car in three weeks, while the second vehicle starts in seven months, and the third in 10 months. Cars two and three will remain with their current insurer until their policy expires, after which they will be added to the multicar policy for the remaining part of the year.
When the multicar policy ends, all cars will then be up for renewal simultaneously.
How to compare prices
To have your multicar insurance policy begin for all vehicles at the same time, it’s straightforward – you’ll receive one overall price. If the vehicles have different start dates, you’ll be provided with a total cost that includes coverage for all cars (you only pay for the duration each car is covered). Additionally, you’ll receive an “annual equivalent price,” which reflects the cost as if all cars were insured for a full year, allowing you to easily compare with other providers.
Step 2: Check existing policies for discounts
Some insurance providers offer discounted rates when you add multiple policies, while still keeping them separate. This can be a simple option if the insurer already covers one of your vehicles. It’s worth checking the cost when it’s time to renew the policy for your second car.
Both Axa* and Privilege have confirmed that they provide discounts for additional cars.
Additionally, Direct Line and Churchill offer further discounts if you have other insurance policies with them, such as a second car or home insurance.
If you’re a new customer, you can obtain two policies consecutively to benefit from the discount, but only if they offer competitive prices (see step 3 below).
Step 3: Check separate policies using comparison sites
Sometimes, opting for separate policies for each vehicle can be more economical than bundling them. Since no single comparison site covers the entire market and prices fluctuate, using multiple sites is the most effective way to find savings.
Our new Car Insurance Compare tool simplifies the process of finding the lowest quote. You complete one form which will display the most affordable insurers from one comparison as a reference. It will then provide personalized advice for further savings and suggest if you should check other sites for better deals.
Alternatively, you can follow our recommended list of sites to use and their order (see our explanation for how we determine this order). While price differences are often minor, if any particular features or benefits appeal to you, feel free to choose those you prefer, as long as you use a few sites.
Keep in mind that comparison sites perform a soft search of your credit file, which does not affect your future credit prospects.
Comparison Site Ranking
We evaluate the insurance quotes from Compare The Market, Confused.com, and MoneySupermarket to determine which site offers the most competitive prices. Our process involves:
- Reviewing how often each comparison site provides the lowest quote or a quote within £5 of the lowest.
- Ranking the site that delivers the most cheapest quotes or those within £5 of the lowest as the top choice.
- Comparing the top-ranked site with each of the other two sites. The combination that yields the highest number of the most affordable quotes will be ranked first and second to maximize your chances of securing a low-priced quote quickly.
Current Results
According to this month’s data, Confused.com offers the most competitive quotes, providing the cheapest option 61% of the time, the highest among the three sites. By getting quotes from both Confused.com and MoneySupermarket, you improve your chances of finding a cheaper quote to 88%.
For even better results, consider getting quotes from Confused.com, MoneySupermarket, and Compare The Market.
This approach is recommended if you are 25 or older, have no more than three penalty points on your driving license, are free from claims or accidents, and are not driving a company car. If you are under 25, refer to our Young Drivers’ Insurance guide.
Try comparison sites in this order
| Site | Official perk info & ExEconomics analysis |
| Try as many as you can, in this order… | |
| Compare The Market* | Official perk info: Meerkat Movies and Meals. A year’s 2for1 on cinema tickets and meals on selected days of the week.
Perk analysis: For those who’d use it, and go to the flicks and restaurants, this perk can be worth £100s. However, instead you could grab other perks as you can use our trick to get Meerkat Movies and Meals for £1 for a year. |
|
MoneySupermarket* |
Official perk info: SuperSaveClub and Price promise
SuperSaveClub: Buy annual car insurance and you can join this club, which gives you a 12-month Free Days Out pass. Plus, you’ll get a gift card of up to £15 for each subsequent qualifying product purchase you make through MoneySupermarket. Price promise: If you buy car insurance, then find a cheaper like-for-like policy with the same insurer (either direct or via another comparison site), MoneySupermarket refunds the difference plus a £20 gift card. Perk analysis: The Free Days Out pass gives you one adult entry to places across the UK, so used regularly and it could be worth £100s. The £15 gift card on subsequent qualifying products is a bonus, as long as the quote’s competitive. You can use the price promise even if you’re not a member of the SuperSaveClub, though you’ll have to claim it. |
|
Confused.com* |
Official perk info: A Greggs hot drink per month and the choice of a… £20 Halfords voucher | £20 Sainsbury’s voucher | £20 Just Eat voucher | Access to Paramount+ for three months.
Perk analysis: The highest value is Paramount+, just, at £20.97. Add 12 hot drinks, and the value increases to about £40. |
| Then, to boost chances of finding a cheap quote further, try… | |
| Quotezone* – another comparison site, and you get access to Rewards+. It includes discounted tickets at selected Cineworld and Odeon Cinemas (links open PDFs). | |
| Gocompare – a big comparison site which currently gives £250 ‘free’ excess cover with every purchase. | |
| Direct Line – an insurer, rather than a comparison, but you won’t find its quotes on any comparisons, so it’s worth trying in case it’s cheaper for you. | |
Struggling to find (affordable) cover?
If you’ve experienced a series of claims or accidents, have a medical condition that impacts your driving, or hold four or more points on your driving license, obtaining an affordable quote from a comparison site might be challenging. You might even struggle to find coverage altogether.
If you’re not receiving quotes from many insurers on these platforms or if the premiums seem excessively high, think about seeking assistance from a broker. Search the British Insurance Brokers’ Association website to find someone who can help.
Considering standalone insurance policies as the best option?
If separate policies for each vehicle seem to offer the best savings, take a look at our comprehensive Step-by-Step Car Insurance guide to explore additional ways to reduce your costs.
How to complain about your insurance provider
The insurance sector often struggles with a poor reputation for customer service. What works well for one person may be a nightmare for another.
Frequent issues include delays in claim payments, outright denials, or undervaluation of your car following a total loss claim. Additional grievances can arise from unjust fees for changing your address, drivers, or car, or from hidden exclusions buried in the fine print. While it’s generally a good idea to first reach out to your insurance provider directly, if that doesn’t resolve the issue, consider…
Using Resolver, a free tool designed to help manage your complaints. If your insurer remains uncooperative, Resolver can also assist in escalating the issue to the Financial Ombudsman Service at no cost.