Top pick for
Overall
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.
Top pick for
Multiple vehicles
Top pick for
Customer service
Top pick for
Discounts
What's in this guide?
Best overall multi-car insurance provider
Finder's Pick: Admiral's multi-car insurance
Multi-car discount
New car replacement
No-claims protection
Admiral offers three levels of car insurance cover and six different types of policy, so you’re likely to find cover to suit your needs.
With Admiral MultiCar insurance, you will receive an immediate discount for every car you add to the policy. You will also benefit from having one policy for all vehicles and one renewal date.
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 £252 (10% of customers who provided a best alternative price saved £252 between October 2019 and March 2020).
- 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 |
|---|---|
| EU Coverage | Yes |
| No claims protection | Optional |
| Multi-car-discount | Yes |
| Courtesy Car | Yes |
| Claims Methods | Email or phone |
| Personal Accident Protection | Yes, with comprehensive |
Best for for multiple vehicles
Finder's Pick: Direct Line multi-car
Optional breakdown cover
Multi-car discount
No-claims protection
Direct Line offers standard car insurance policies to a range of drivers as well as 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 | Optional extra |
| No claims protection | Yes, if eligible |
| Multi-car-discount | Yes |
| Courtesy Car | Yes, with comprehensive |
| Claims Methods | Phone |
| Personal Accident Protection | Yes, with comprehensive cover |
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 | Optional extra |
| 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 analysed the average quotes offered to a range of different age groups and concluded that LV= tends to offer competitive insurance quotes across the board. This insurer offers multi-car discounts (up to 20% on an additional vehicle), plus you can often 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 provider offering 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 may result in an administration fee.
- Terminating a policy within or after the 14-day cooling-off period will result in 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 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?
| Provider | Multi-car discount | Terms and conditions |
| Aviva | 10% | 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 Line | Individual to customer | Get 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. |
| Admiral | Up to £252 saving | Insure 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. |
| MoreThan | 15% | 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. |
| Churchill | 15% for the first year | Able 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. |
| AXA | 15% | 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
Our 2020 customer satisfaction league table
We asked policy holders 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 750 insurance customers was carried out in December 2019.
| Overall satisfaction | Customers who’d recommend | Issuer | Review | |
|---|---|---|---|---|
| ★★★★★ | 91% |  |
The largest general insurer in the UK and our top prize winner, Aviva has three levels of comprehensive cover to choose from, as well as third party and third party, fire and theft cover. This might sound confusing, but customers in our survey praised the easy application process and good service. | View deals |
| ★★★★★ | 81% |  |
Saga offers specialist tailored cover for drivers over the age of 50, with a minimum age of 45 (you must have at least 1 named driver over the age of 50 on the policy to qualify). Customers reported friendly service and a good level of cover. | View deals |
| ★★★★★ | 75% |  |
While fewer Direct Line customers said they would recommend the service, the strength of its policies pushed its overall score up. Customers surveyed called the products on offer competitive and the service helpful. | View deals |
| ★★★★★ | 87% |  |
As Marmalade only offers cover to drivers up to the age of 30, it didn’t quite make our top 10. However, the service did very well in our survey, with customers calling it easy to use and praising the competitive prices. | View deals |
| ★★★★★ | 84% |  |
Sheilas’ 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. The service was said to be helpful and efficient by customers. | View deals |
| ★★★★★ | 83% |  |
Most people would be aware of Churchill, largely because of its nodding dog. Love or hate those ads, customers called the service provided by Churchill reliable and helpful. Some were impressed by the claim handling process. | View deals |
| ★★★★★ | 82% |  |
As well as standard car insurance, LV= also offers cover for electric and classic cars. Its comprehensive cover includes windshield damage and replacement locks and was considered good value by customers in our survey. | View deals |
| ★★★★★ | 77% |  |
Hastings Direct’s two main cover options are Direct and Premier. The company also offers Essential comprehensive cover, as well as third party and third party, fire and theft, but there’s not a lot of information available on those. | View deals |
| ★★★★★ | 76% |  |
As 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 good value cover and helpful staff. | View deals |
| ★★★★★ | 76% |  |
The company formerly known as Age UK, Age Co is another over-50s specialist. Like Saga, it also offers cover to younger drivers, but its policies are tailored to those with more experience – in life and on the road. | View deals |
| ★★★★★ | 77% |  |
Swinton offers three levels of comprehensive cover, as well as third party, fire and theft. All comprehensive options offer decent benefits and the company also caters for young drivers, convicted drivers and those looking for short-term cover. | View deals |
| ★★★★★ | 73% |  |
The largest supermarket chain in 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 to be good value. | View deals |
| ★★★★★ | 72% |  |
Axa’s comprehensive cover comes with a lifetime guarantee on repairs, a courtesy car and protection from uninsured drivers. The company’s claim handling service was said to be quick and efficient by customers in our survey. | View deals |
| ★★★★★ | 71% |  |
Known mostly as a posh department store, John Lewis also provides a range of financial products. Its comprehensive policy comes with a load of benefits, including misfuelling and vehicle ID theft cover as standard. | View deals |
| ★★★★★ | 69% |  |
A 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 called the company’s car insurance cover reasonably priced with good service. | View deals |
| ★★★★★ | 65% |  |
Diamond 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). | View deals |
| ★★★★★ | 64% |  |
More Than’s comprehensive cover 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. | View deals |
Car insurance ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our customer satisfaction scores (“Customers say”) are based on a survey of 750 customers carried out in December 2019.
Frequently asked questions about multi-car insurance
*Based on independent online research by Consumer Intelligence (March ’20). 51% of car insurance customers could save £285.88.
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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