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 multi-car insurance See top providers
See top providers by category Best car insurance

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.

Summary: Best multi-car insurance companies in the UK 2024, by category

  • Admiral: Best for overall
  • Aviva.: Best for customer service
  • AXA.: Best for multiple vehicles
  • LV=. : Best for multi-car discounts

Best overall multi-car insurance provider

Finder Award Admiral MultiCar

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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.

Best multi-car insurance provider for customer service

Finder Award Aviva Comprehensive

4
★★★★★

Finder score

Compare with Confused
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.

Best multi-car discounts

AXA Comprehensive

4
★★★★★

Finder score

Compare with Confused
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.

Best for for multiple vehicles

LV= Comprehensive

4
★★★★★

Finder score

Compare with Confused
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.

How we chose the best multi-car insurance providers

Danny Butler
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.

  1. 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.
  2. 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).
  3. 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.
  4. 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.

Image of a red car alongside the stat: £627 was the average cost for comprehensive car cover in the first 3 months of 2024, up 12% on the previous quarter

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.

Car insurance customer satisfaction league table 2024

RankProviderOverall satisfactionCustomers who’d recommend
1Admiral★★★★★93%
2NFU Mutual★★★★★89%
3Aviva★★★★★84%
4The AA★★★★★80%
5LV=★★★★★84%
6Saga★★★★★76%
7Direct line★★★★★78%
8Hastings Direct★★★★★78%
9Diamond★★★★★83%
10Churchill★★★★★79%
11Swinton★★★★★63%

Bottom line

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

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.

Full details of our star ratings for this sector are on the insurance ratings methodology page.

Car insurance scores

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

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.

To find out more, read our full methodology.

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.
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Publisher

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 368 Finder guides across topics including:
  • Car, home and business insurance
  • Helping people save money on their insurance
  • Project management
  • Giving valuable insights to website visitors

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