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Multi-car insurance is like regular car insurance, but allows you insure up to ten cars on the same policy. You’ll also generally receive discounted cover for each additional vehicle you add to the policy.
Multi-car insurance lets you insure multiple cars on the same policy, provided they are registered to the same address. The more cars added to the policy, the more discounts are applied, though most providers cap the number of cars that can be added on the one policy.
Each car can have its own level of cover, excess and no-claims discounts, but are listed under a single policy, helping to minimise paperwork and admin. While additional cars can generally be added to a multi-car policy at any point, your policy renewal date will usually be 12 months after the last car was added to the policy.
Multi-car insurance is predominantly for private use only, however some insurers may allow you to cover your work vehicle alongside your private use car. Drivers won’t automatically be allowed to drive every car insured under the policy. Instead, they’ll need to be added as a named driver for every vehicle they intend to drive.
Multi-car insurance works much the same as standard single 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 are much the same as standard single car insurance exclusions, which include:
If you own more than one car, selecting a multi-car insurance policy could help save you money compared to taking out single policies for each car you own. However, there are situations where multi-car insurance may not be cheaper, or may not offer the correct level of cover for each car.
Insurance providers calculate premiums based on how likely a driver is to be involved in an accident, so insuring a riskier driver on the same multi-car policy as a safer one may end up increasing the overall cost of insurance. Before deciding if multi-car insurance is suitable for you, you’ll need to think about the age of each driver and their experience as well as what the car is worth and how it might perform.
People that might benefit from multi-car insurance include:
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.
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.
Many car insurance providers also offer multi-car insurance, though the level of discount and number of cars that can be insured will vary by provider. Some of the best multi-car insurance policies include:
If you’re planning to insure several cars under one policy, a few simple tips may help with your decision:
Multi-car insurance can help reduce the cost of car insurance, especially for those looking to insure two or more vehicles. For families looking to get cover on multiple cars for drivers of similar experience, age and driving history, multi-car insurance is also likely to be cheaper. But this is not always the case, and there are many situations where multi-car insurance will not be the best option.
For example, if you’re an experienced driver in your 50s with a great driving history, your premiums should be fairly low. But if you decide to add your teenage son to a multi-car policy, your overall premiums are 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.
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