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.
The best multi-car insurance delivers exact coverage at a competitive price, providing crucial support when it’s most needed. After analysing extensive customer feedback and scrutinising comprehensive policies, we assign policy scores based on their coverage breadth. Our lineup comprises policies crafted to shine in diverse aspects, including multi-car coverage or those crafted for young drivers. Once you’ve compiled your options, comparing quotes could potentially save you hundreds, ensuring optimal value for your coverage requirements.
Best for
Cheaper rates
Best for
Multi-car
Best for
Temporary insurance
Best for
Convicted drivers
For our top picks, our team evaluated a range of features from providers on our website to help determine the best car insurance for new and young drivers. Keep in mind that our top picks may not always be the best for you, and it’s wise to compare for yourself to find the policy that works for you. Read our full methodology here to find out more.
Summary: Best multi-car insurance companies in the UK 2024, by category
Admiral was a winner in the Finder Customer Satisfaction Awards 2024. We chose Admiral car insurance as our top pick for multi-car because you can make substantial savings by insuring more than one car with Admiral rather than buying its insurance for each car separately. Admiral's multi-car policy allows you to have just one renewal date, aligning each time a new car is brought onto the policy. Each car has its own no-claims bonus, and you can have different levels of cover for different cars on the same policy. If a claim is made on one car, the no-claims bonuses of other cars won't be affected. Every car gets a full year of no-claims bonus added, provided it's been on the policy for at least 3 months. Cars don't need to be registered to the same address, provided they belong to immediate family members. Need to know: Claims helplines aren't open 24/7.
Accident cover
Up to £5000.
Driving in Europe
Third party only, up to 90 days.
Admiral was a winner in the Finder Customer Satisfaction Awards 2024. We chose Admiral car insurance as our top pick for multi-car because you can make substantial savings by insuring more than one car with Admiral rather than buying its insurance for each car separately. Admiral's multi-car policy allows you to have just one renewal date, aligning each time a new car is brought onto the policy. Each car has its own no-claims bonus, and you can have different levels of cover for different cars on the same policy. If a claim is made on one car, the no-claims bonuses of other cars won't be affected. Every car gets a full year of no-claims bonus added, provided it's been on the policy for at least 3 months. Cars don't need to be registered to the same address, provided they belong to immediate family members. Need to know: Claims helplines aren't open 24/7.
Pros
Discount for additional cars
European cover as standard
Customer satisfaction award winner
Cons
There isn’t that much information about Admiral’s third party only or third party, fire and theft policies on its website.
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.
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 3 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. Need to know: No courtesy car as standard.
Personal possessions cover
£150
Accident cover
Up to £2,500.
Driving in Europe
EU Cover third party only.
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 3 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. Need to know: No courtesy car as standard.
Pros
24/7 claims service
Uninsured driver promise
Fee-free cancellation
Option to pay interest-free monthly instalments with a credit or debit card
We chose AXA as our best for multi-car discounts due to its competitive discount offered, up to 15% off per extra vehicle. Axa is one of the veterans of the global insurance market, and has strong insurance options to match. The company's third party, fire and theft cover offers a lot of benefits as standard and its comprehensive cover is solid. However, if you're after third party only cover, you'll have to go elsewhere as Axa doesn't offer this option. Need to know: No third party only cover available.
Accident cover
Up to £5000.
Driving in Europe
Third party only, up to 90 days.
We chose AXA as our best for multi-car discounts due to its competitive discount offered, up to 15% off per extra vehicle. Axa is one of the veterans of the global insurance market, and has strong insurance options to match. The company's third party, fire and theft cover offers a lot of benefits as standard and its comprehensive cover is solid. However, if you're after third party only cover, you'll have to go elsewhere as Axa doesn't offer this option. Need to know: No third party only cover available.
We chose LV= car insurance as our top pick because LV= offers multi-car insurance for up to 6 cars and 12 drivers and after running quotes for a range of different age groups, we found that LV= tended to offer competitive insurance quotes across the board. Other features that could make LV= a good option if you're looking for cheaper-rate car insurance include discounts for insuring multiple vehicles (up to 20% off per extra vehicle), an uninsured driver promise so you won't lose your valuable no-claims discount or have to pay an excess, and a good choice of cover levels to suit different needs and budgets. Need to know: There's an admin fee for changing the vehicle or a named driver on your policy.
Personal possessions cover
£300
Accident cover
Up to £10,000.
Driving in Europe
EU Cover at same level as in UK (180 days)
We chose LV= car insurance as our top pick because LV= offers multi-car insurance for up to 6 cars and 12 drivers and after running quotes for a range of different age groups, we found that LV= tended to offer competitive insurance quotes across the board. Other features that could make LV= a good option if you're looking for cheaper-rate car insurance include discounts for insuring multiple vehicles (up to 20% off per extra vehicle), an uninsured driver promise so you won't lose your valuable no-claims discount or have to pay an excess, and a good choice of cover levels to suit different needs and budgets. Need to know: There's an admin fee for changing the vehicle or a named driver on your policy.
Pros
99% of claims paid*
Multi-vehicle insurance
Claims line is open 24/7
Cons
A change in vehicle or named drivers may result in an administration fee
How we chose the best multi-car insurance providers
Finder insurance expert Danny Butler shares our research
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 company for you
Car insurance premiums are highly personalised – a tweak to your job role or the amount of excess you’re happy to pay can make a big difference to your premiums. We explain more in our guide on how premiums are calculated. The key is to get the right cover level, plus good service at the cheapest price. This is why we survey customers. All our best picks are at least 3-star rated for service.
Compare policies. Different insurers can offer the same level of cover for very different prices. Shop around and compare car insurance quotes with as many providers as you can to make sure you’re getting the best deal for you. Comprehensive cover can sometimes work out cheaper than third-party, so compare all options.
If your quotes are too high, consider a higher excess. An excess is the amount you would contribute to any claim before your insurer will pay out. If you voluntarily increase your excess, your insurance company sees you as less likely to make a claim, which will help to bring down the cost of your premium (but always make sure you can actually afford to pay it should you have an accident).
Consider different options, such as pay-as-you-go cover. Some providers, like By Miles, offer pay-as-you-go cover. This is good for people who don’t drive very often and don’t want to pay for annual cover.
Review your provider’s quote every year. When renewal time rolls around, it’s crucial to shop around a few weeks before your policy starts. Consider switching as you’re likely to save – some people save hundreds of pounds. If you want to stick with your insurer, try haggling, as that’s common and usually effective.
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.
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.
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.
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.
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.
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.
Car insurance customer satisfaction league table 2024
Everybody’s circumstances will vary so car cover that might work for you might not work for someone else. Do your research, shop around and compare deals in order to find the best car insurance for you.
Frequently asked questions about multi-car insurance
You can add any vehicle that’s registered to the same address as the existing vehicles on the policy.
Most insurers will allow you to add an additional vehicle onto your policy at any time. Your renewal date for the policy may remain the same for all vehicles though.
This depends on your choice of insurer. Some insist that your multi-car policy keeps one renewal date. Others give you the option to have a separate policy renewal date for each vehicle.
All of the insurers mentioned in this guide will offer you a discount for adding more than one vehicle to your policy. However, that’s not to say it will always be the cheapest overall. It’s still worth checking the best quote for each vehicle individually to see if can get a better deal that way.
In most cases, if you make a claim for one vehicle, your no claims bonus won’t be affected for others on your policy. Check the small print to make sure this is the case for the insurer though. This could be the case more often than you think. Previous research suggests that some car insurance companies balance out their multi-car discounts by increasing the price of their individual vehicle policies.
Customer satisfaction scores
In December 2023, we ran a customer satisfaction survey on insurance providers. We had 750 responses about car insurance providers.
The survey asked respondents how satisfied they were with their current insurance company (on a scale from 1 to 5 and also whether they would recommend the brand to a friend or not). We turned the results into star ratings and shortlisted the top-performing brands for our awards. If there was a draw, we used the recommendation score (that is, the percentage of customers who said they would recommend the brand to a friend) as a tie-breaker.
Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio
Danny's expertise
Danny has written 351 Finder guides across topics including:
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finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
