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If you have more than one car in your household, you might save money on your insurance by taking out a multi-car insurance policy.
Multi-car insurance is similar to standard car insurance, but it allows you to insure two or more cars on the same policy. Multi-car insurance can sometimes work out cheaper as you’ll be given a discount for each additional vehicle on your policy.
Multi-car insurance lets you insure multiple cars on the same policy, provided they are registered to the same address. Usually, the more cars added to the policy, the greater the discount.
Multi-car insurance is predominantly for households who want to use their vehicles for personal use, but some insurers may allow you to cover a work vehicle alongside your personal car. To do this, you will need to be the registered keeper of both vehicles and they must both be kept at your home address.
Note that policyholders won’t automatically be allowed to drive every car insured under a multi-car insurance policy. Instead, they’ll need to be added as a named driver for each additional vehicle they intend to drive.
There are two main types of multi-car insurance.
The most common is straightforward multiple car insurance which covers two or more cars on the same policy with the one insurer. Each driver has the same level of cover and each car has the same insurance renewal date, making the paperwork easier to manage. Renewal dates are typically based on the date the first car was added to the policy.
Alternatively, you may be able to take out a linked multi-car insurance policy which is made up of several, individual policies. Each policy will have its own level of cover and add-ons, as well as its own excess and renewal date.
Linked policies can be a good option if, for example, you want fully comprehensive cover for your own vehicle, but only third-party, fire and theft cover for your son’s or daughter’s car.
Multi-car insurance works in much the same way as a standard car insurance policy, so any features and benefits will vary depending on the specific provider. You will need to research what is offered on a particular policy to find the insurance that is right for you.
Common multi-car insurance exclusions include:
It’s easy to compare multi-car insurance by following the steps below:
Multi-car insurance can work out cheaper than standard cover, but there’s no guarantee this will always be the case.
When you apply for multi-car insurance, the age and experience of each policyholder, as well as the type of car they drive, will be factored in. If all drivers on the policy have similar driving experience, are of a similar age and drive similar cars, multi-car insurance could be the more cost-effective choice.
However, in many cases, the cost of your premium could actually go up with a multi-car insurance policy. For example, if you’re an experienced driver in your 50s with a great driving history, your premium should be fairly low. However, if you decide to add your teenage son to a multi-car policy, your overall premium is likely to rise based on your son’s lack of driving experience and subsequently his much higher risk. In this situation, it might be better to insure each car separately as having them under one policy could mean you end up paying more, even after the multi-car discount.
When considering multi-car insurance, you should always ask for a quote, and then compare it to the cost of getting individual car insurance policies for each of your vehicles.
How much you pay for multi-car insurance will depend on two key factors:
Tim and Sara share a house together. Tim owns a Vauxhall Corsa which he can insure for £600 a year, and Sara has a Ford Focus which she can insure for £500 a year, bringing their total costs to £1,100. Rather than taking out separate cover, they decide to combine cover under a multi-car insurance policy which offers a 15% discount. This would bring down the total cost of cover for both cars to £935.
With multi-car insurance, a discount of around 10% to 20% is applied to your policy for each car that’s added. This means the more cars you add to your policy, the cheaper it becomes. If, for example, you had two cars on your policy and you were adding a third, the discount applied would be even greater than for the second.
Thanks to the discounts on offer, multi-car insurance can work out to be good value if you have two or more cars in your household to insure. However, it’s important to compare the cost of individual car insurance policies against the cost of a multi-car insurance policy to be absolutely sure you will save money.”
Generally, multi-car insurance policies will only cover cars within the same households. This means they could benefit:
In some circumstances, insurance providers may offer multi-car insurance even if one driver lives at a different address, such as a son or daughter studying away from home.
Multi-car insurance can be a convenient option if you have several cars to insure in your household. Renewal dates can be much easier to manage and you’ll only have to deal with one insurer. However, while the discounts on offer can be tempting, it’s important to realise that it won’t always work out to be the cheapest option. It’s worth doing your research and running some comparisons before you apply for multi-car insurance.
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