Best multi-car insurance

If your household has more than one vehicle, you could save on your car insurance through multi-car discounts. We've rated the best multi-car insurance companies in the UK for you to take a closer look at.

Best overall multi-car insurance provider

Finder's Pick: Admiral's multi-car insurance

Multi-car discount

New car replacement

No-claims protection
You get a multi-car discount for every car on an Admiral MultiCar policy, including the first one. Admiral says that 10% of customers who gave a best alternative quote saved £240 with its deal. There's one policy for all vehicles, and one renewal date. When you first take out the cover, Admiral takes the details for your other car or cars upfront, and the discount applies to the first car immediately. The other car or cars join when their renewal date arrives. Renewal dates then align with the original car. Each car has its own no-claims bonus, and you can have different levels of cover for different cars on the same policy (so one could be third party, and another comprehensive). There’s also an option for combined home and car insurance, labelled Admiral MultiCover. Admiral also offers temporary car insurance with Veygo.
  • One policy for all cars with one renewal date.
  • MultiCar customers could save £240 (10% of customers who provided a best alternative price saved £240, according to Admiral).
  • Admiral’s comprehensive policies offer the use of a courtesy car if yours is being repaired at an Admiral approved garage.
  • Claims helplines are not open 24/7. Calling outside of the opening hours will mean you’ll be redirected to a contracted third party recovery service.
Roadside assistance Optional extra
EU Coverage Yes
No claims protection Optional
Multi-car-discount Yes
Courtesy Car Yes
Claims Methods Online or phone
Personal Accident Protection Yes, with comprehensive cover

Best for for multiple vehicles

Finder's Pick: Direct Line multi-car

Optional breakdown cover

Multi-car discount

No-claims protection
Direct Line won Finder's 2021 Car Insurance Customer Satisfaction Awards, scoring 4.5 stars out of 5 for overall satisfaction and 82% of customers saying they'd recommend it. Direct Line offers both standard car insurance policies and specialised multi-car, black box and premier policies. The insurer says it offers exclusive deals to existing customers, won’t charge extra for mid-term amendments and if you have comprehensive cover, promises to protect a no claims bonus if you have to claim after being hit while parked.
  • No claims bonus protected for a range of no-fault claims (comprehensive cover only).
  • No charge for mid-term amendments.
  • Exclusive deals for existing customers.
  • No 24/7 claims line (out of hours emergency line available).
Roadside assistance Optional extra
EU Coverage Yes
No claims protection Yes, if eligible
Multi-car-discount Yes
Courtesy Car Yes
Claims Methods Online or by phone.
Personal Accident Protection Yes

Best multi-car insurance provider for customer service

Finder's Pick: Aviva

Optional breakdown cover

Multi-car discount

24/7 claims helpline
In our latest survey, Aviva came top for customer satisfaction, with 5 out of 5 stars and 91% of its customers saying they would recommend the service to friends and family. The largest general insurer in the UK, Aviva has three levels of comprehensive cover to choose from, as well as third party and third party, fire and theft cover. You can also manage your account with ease using the online MyAviva portal. When insuring multiple policies, you'll still only have to deal with one insurance document and one renewal date.
  • Came top in our customer satisfaction survey, with 91% of existing customers saying they would recommend.
  • Access to a 24/7 claims line.
  • Named driver discount.
  • Uninsured driver protection included.
  • Cover to drive someone else’s car available.
  • EU cover is an optional extra.
  • No courtesy car as standard.
Roadside assistance Optional extra
EU Coverage Yes
No claims protection Yes
Multi-car-discount Yes
Courtesy Car Optional extra
Claims Methods Online or phone
Personal Accident Protection Yes, with comprehensive cover

Best multi-car discounts

Finder's pick: LV car insurance

Discounts for new customers

24/7 claims helpline

Multi-car discount
We ran quotes for a range of different age groups and found that LV= tended to offer competitive insurance quotes across the board. This insurer also offers multi-car discounts (up to 20% on an additional vehicle), plus you can typically lower your premium by adding a voluntary excess. LV= also covers European use, damage by uninsured drivers, vandalism and accidental damage as standard with its over-50s policies. Insurance prices have generally been falling during the pandemic as people have driven less, so it's always worth shopping around.
  • Offers a range of car insurance policies for standard, classic and electric cars.
  • Multi-vehicle insurance available.
  • A range of optional extras to enhance car cover.
  • Claims line is open 24/7.
  • A change in vehicle or named drivers can incur an admin fee.
  • Terminating a policy within or after the 14-day cooling-off period will cost you a £40 cancellation fee.
Roadside assistance Optional extra
EU Coverage Yes
No claims protection Optional extra
Multi-car-discount Yes
Courtesy Car Optional extra
Claims Methods Online or phone
Personal Accident Protection Yes

Best multi-car insurance companies

  • Aviva=. Aviva will allow you to insure up to five vehicles on one policy, provided they’re all registered to the same address. You’ll get a 10% discount for each vehicle you insure.
  • Direct Line. A great choice if you have a lot of vehicles in one household. Direct Line allows you to insure up to 10 vehicles on 1 policy and will give you an extra overall discount for each 1 you add.
  • Admiral. Multi-car insurance has been central to Admiral’s marketing for some time. It offers discounts when you add an extra vehicle to your policy. You’ll get a discount for each vehicle you add.
  • LV=. You can add up to 6 cars and 12 drivers on 1 policy with LV=. You could secure a discount of up to 20% just by adding 1 additional vehicle.
  • More Than. More Than will serve up a 15% discount for each additional vehicle you include on your policy, with no limit on the amount you can add.
  • Churchill. Churchill allows you to insure up to 10 vehicles on 1 policy. It also gives you the option to keep separate renewal dates if you prefer.
  • AXA. You can secure a discount up to 15% by adding an additional vehicle to your AXA car insurance policy.

How we chose the best multi-car insurance providers

To score our best multi-car providers, we’ve taken into account a number of different factors such as the level of discount available, the overall policy score and any specific multi-car benefits.

We’ve also included our customer satisfaction ratings as part of the weighting and these help determine the final score for each provider. For our customer satisfaction score, we asked hundreds of car insurance customers to rate their insurer and we used that data to help compile our top providers.

How to find the best multi-car insurance policy

It’s not easy using price comparison websites to find the best deal for multiple cars. Your best bet is to use these websites to find the best prices for each vehicle individually. If the same insurer appears near the top of the price rankings for both vehicles, it’s worth investigating whether it offers a multi-car discount.

We have listed some of the most eye-catching multi-car insurance deals below.

What is the best multi-car discount available?

ProviderMulti-car discountTerms and conditions
Aviva10%Save 10% for every additional vehicle you add, registered at the same address. Discount doesn’t apply to optional add-ons. Up to a maximum of five vehicles.
Direct LineIndividual to customerGet a discount for every additional car you bring up to a maximum of 10 vehicles. With Direct Line’s multi-car discount, it helps you save money when you and your family have more than one car in the household.
AdmiralUp to £252 savingInsure multiple cars on one policy and get an Admiral MultiCar discount for every car you add. You’ll get an immediate discount when the policy starts and every car you add earns its own discount. You can add up to 20 vehicles.
LV=Up to 20%Add up to 6 cars and 12 drivers on 1 policy. Plus, choose the cover level and specific optional extras you’d like for each car.
MoreThan15%15%* discount for each additional car you insure with MoreThan. You can set different excess levels and earn a no claims bonus on each policy. Up to a maximum of six cars.
Churchill15% for the first yearAble to insure all the cars in your household with Churchill up to a maximum of 10 vehicles. Introductory discount. 15% discount on each car with 5% the year after.
AXA15%If you already insure one car at your home address, you can apply for the multi-car insurance discount – a 15% discount on each quote – for all the other cars registered there, with each having a separate policy.

Cost of multi-car insurance

The cost of multi-car insurance depends on two factors:

  • The single-vehicle premium quoted to you by the insurer for each of your vehicles
  • The discount offered for insuring multiple vehicles on the same policy

For simplicity’s sake, let’s say you were quoted £500 to insure a Ford Fiesta and £450 to cover a Fiat Uno. That’s £950 in total. But if the insurer offered a 10% multi-car discount, you could cover both vehicles for £855.

Compare the best multi-car providers

Name Product Available cover Details Link
Admiral MultiCar
Third party only, third party, fire and theft and comprehensive
Insure multiple cars under one policy and get a MultiCar discount for every car you add.
Get a quote
LV= Comprehensive
Third party only, third party fire and theft and comprehensive
Replacement lock cover, misfuelling and accident cover and lifetime guarantee on eligible repairs*
Multi-car discount available
Get a quote
Aviva Comprehensive
Third party fire and theft and comprehensive
Cover for legal costs if you're involved in an accident.
Uninsured driver promise, transport home or to your destination.
Pay monthly, interest free. Named driver and multi-car discount.
Churchill Comprehensive
Third party only, third party fire and theft and comprehensive
Replacement, upgrade or the money in case of write-off.
Vandalism and uninsured driver promise. Multi-car options and discounts available.
Compare quotes
AXA Car Insurance
Third party only, third party fire and theft and comprehensive
Courtesy car and wrong fuel cover included as standard. You can get up to 15% multi-car discount for additional cars registered at your address.
Get a quote
Direct Line Comprehensive
Third party fire and theft and comprehensive
Guaranteed hire car as standard.
Taxi to get you and all of your passengers, pets and belongings to one destination within the UK if you've been involved in an accident.
Multi-car options and discounts available.

Compare up to 4 providers

Our 2022 car insurance customer satisfaction league table

We asked policyholders to rate their satisfaction with their insurance company, and whether they’d recommend it to a friend. We’ve shown both for each brand in the table below. Our independent survey of 1,841 insurance customers was carried out in December 2021.

Overall satisfactionCustomers who’d recommendIssuerReview
★★★★★86%Picture not describedaviva logoSaga offers cover tailored to older drivers, with a minimum age of 45 (you must have at least one named driver over the age of 50 on the policy to qualify). Customers reported patient and helpful customer service and a reasonable price over the 3 years of a fixed price.View deals
★★★★★85%Picture not describedaviva logoHastings Direct’s main cover options are Direct and Premier. The company also offers a ‘no-frills’ policy called Essential cover, as well as third party only cover, and third party, fire and theft. Customers like the low prices and good service on offer.View deals
★★★★★85%Picture not describedaviva logoAviva is the largest general insurer in the UK and was top in our customer satisfaction awards in 2020. It states clearly what is covered, what isn’t covered and what’s optional. Customers praise the good service and call the company reliable, and the sign up process was straightforward.View deals
★★★★★84%Picture not describedaviva logoDirect Line has dropped from top spot last year, but is a strong contender. The company received high praise from customers, with many of them calling Direct Line’s service great. The easy set up, fast response and competitive prices stands the company in good stead.View deals
★★★★★83%Picture not describedaviva logoAge Co, formerly known as Age UK, is another over-50s specialist. While it does offer cover to younger drivers as well, its policies are tailored to those with more experience – in life and on the road. The company’s customers say it is efficient and has a great service.View deals
★★★★★82%Picture not describedaviva logoAxa’s comprehensive cover comes with a lifetime guarantee on repairs, £5,000 personal accident cover and protection from uninsured drivers. Customers in our survey were pleased with its competitive prices and great customer service.View deals
★★★★★81%Picture not describedaviva logoAs well as standard car insurance, LV= recently launched LV= Flow – a rolling monthly cover. The company’s comprehensive cover includes windshield damage and replacement locks and was praised by customers as being simple, having helpful customer service and a great competitive price.View deals
★★★★★79%Picture not describedaviva logoAs one of the most well-known insurers in the UK, Admiral offers a range of cover options, including a combined home and car policy, multi-car cover and temporary car insurance. Customers praised the fair prices and good value service.View deals
★★★★★78%Picture not describedaviva logoA staple of the British roads, The AA offers third party, fire and theft cover and a benefit-laden comprehensive cover. AA members get extra perks and customers said the service is helpful and efficient. Extra cover can be added such as motor legal assistance and excess protection. Customers love breakdown cover as an extra and The AA’s competitive prices.View deals
★★★★★84%Picture not describedaviva logoNFU Mutual started life as provider for farmers and those living in rural areas, but has since expanded to cover all kinds of customer. All policies include breakdown cover from RAC, and loyal customers get a Mutual Bonus. Customers loved how the company went the extra mile for them and the high quality insurance.View deals
★★★★★78%Picture not describedaviva logoThe largest supermarket chain in the UK, Tesco also provides solid car insurance policies. You can choose the Black Box policy for young drivers (17-35), or the standard cover for drivers over 21, which customers reported as being good value and quite reliable.View deals
★★★★★78%Picture not describedaviva logoMost people would be aware of Churchill, largely due to its nodding dog. Love or hate those ads, customers called the service provided by Churchill reliable and helpful, and some were impressed by its fair prices.View deals
★★★★★77%Picture not describedaviva logoKnown mostly as a posh department store, John Lewis also provides a range of financial products. Its comprehensive policy comes with a lot of benefits, including guaranteed repairs and a courtesy car as standard. It also covers windscreen repairs and if you accidentally put the wrong fuel in your vehicle.View deals
★★★★★76%Picture not describedaviva logoSheilas’ Wheels started life as a female-only car insurance provider but now offers cover to both men and women, with a focus on benefits to appeal to women and parents. Customers in our survey love the helpful staff.View deals
★★★★★70%Picture not describedaviva logoMore Than’s comprehensive policy includes windscreen cover and replacement locks. The company also offers a third party, fire and theft policy, as well as cover for young drivers and a decent multi-car discount. Customers like what they get for their money.View deals
★★★★★68%Picture not describedaviva logoAgeas only offers comprehensive cover with personal accident, windscreen cover and replacement keys all included as standard. Customers praise the efficient nature when it deals with a claim.View deals
★★★★★51%Picture not describedaviva logoEndsleigh was founded in 1965 by the NUS to provide affordable insurance designed for students. It now offers cover for everyone, but still specialises in policies for students. A host of policies are available from standard car insurance to temporary cover, learner driver insurance to black box cover.View deals
★★★★★73%Picture not describedaviva logoDiamond is another insurer targeting women drivers. Like Sheilas’ Wheels, it covers men as well but has benefits such as handbag and child seat cover, which it believes will appeal to women (who are considered lower risk drivers). It has received a few mixed reviews, however.View deals
★★★★★64%Picture not describedaviva logoSwinton offers comprehensive cover, as well as third party, fire and theft. All comprehensive options offer decent benefits and the company also caters for young drivers, over 50s and those looking for short term cover. Some say the company is efficient and quick, others say there are many hoops to jump through when claiming.View deals

Car insurance ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our customer satisfaction scores (“Customers say”) are based on a survey of 1,841 customers carried out in December 2021.

Frequently asked questions about multi-car insurance

*Based on data provided by Consumer Intelligence Ltd, (March '21). 51% of car insurance customers could save £257.97.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.

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