What is MultiCar insurance?
MultiCar insurance helps you save money on your car insurance by insuring multiple cars under one policy.
Whether you want to insure your kids’ first cars or an extra ride for yourself, MultiCar can cover them all.
It means you can save time, money and hassle by only having one policy to think about. One renewal date, one set of documents – plus a handy discount.
How does MultiCar insurance work?
MultiCar lets you cover multiple cars on one policy - even if they're at different addresses. You'll get the same cover as our standard car insurance, plus a discount for every car you add.
Start your policy
Set up your policy with one car to get started.
Add more cars
Add extra cars whenever they're ready to get a discount.
Enjoy your discount
You can add up to seven family members to get even more discounts.
How much do MultiCar customers save?
Here’s how much our MultiCar customers saved based on how many cars they insured with us:
51% of customers saved with MultiCar compared to customers who bought the same cover as single policies. Data from November 2025 to April 2026. Doesn't include optional extras.
What are the different levels of cover?
To help you choose the right level of cover, here’s how they compare.
Comprehensive cover
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Courtesy car |
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Uninsured driver promise |
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Personal Injury cover (up to £5,000) |
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24-hour emergency helpline |
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Replacement lock cover (up to £500) |
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Child car seat cover |
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Windscreen cover |
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New car replacement (if you're eligible) |
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European cover up to 90 days |
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Audio equipment cover (aftermarket) |
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Personal Belongings cover |
Up to £300 |
Up to £300 |
Up to £200 |
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Personal belongings cover (campervans) |
Up to £500 |
Up to £500 |
Up to £500 |
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Onward travel (up to £150) |
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Motor Legal Expenses |
Optional | Optional | ||
Roadside Breakdown cover |
Optional | Optional | Optional |
Third party cover
Third party, Fire
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Third Party
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Driving other cars (conditional) |
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24-hour emergency helpline |
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Courtesy Car |
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Replacement lock (up to £500) |
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European cover up to 90 days |
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Audio equipment cover (aftermarket) |
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Motor Legal Expenses |
Optional | Optional |
Roadside Breakdown cover |
Optional | Optional |
Windscreen cover |
Optional | Optional |
Uninsured driver promise |
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Child car seat |
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Personal Injury cover (up to £5,000) |
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New car replacement |
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Personal belongings cover |
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Onward travel |
What optional add-ons can I choose for MultiCar?
Find out more about our range of optional add-ons.
Car insurance add-onsIs MultiCar insurance right for me?
Not sure if MultiCar is for you? Find out below.
You’re in the right place! MultiCar insurance lets you cover multiple cars on one policy.
If you only have one car to insure, then our standard car insurance will give you the cover you need.
You can combine your van and car policies under one with MultiCover insurance. Plus, you’ll get a discount.
Did you know that we can look after your home and cars all under one policy with MultiCover insurance?
What the experts say
Demi Noble Field, MultiCover Senior Product Manager
A lot of people assume MultiCar is just for couples or families living under one roof – but that’s not the case! It can work across families in different homes, from siblings to grandparents and even in-laws, so you can all save money and manage your car insurance more easily.
How to add a car in MyAccount
Already have car insurance with us? Great news – it's quick and easy to add another car in MyAccount.
Log in to MyAccount
You can log in to MyAccount online or through the app.
Add your car details
Enter some details about the car and where it’s kept.
Get a quote and confirm
Check your quote and if you’re happy with it, click confirm.
What do I need to get a MultiCar insurance quote?
Your details
- Name
- Age
- Where you live
- Your occupation
- Driver’s license and contact info for you and any named drivers
- Your claims history
About your car
- Registration number
- When you bought it
- How much it’s worth
- Any modifications you’ve had done
What cover you need
- How you use your car
- Your mileage
- What level of cover you need
Useful guides
Want to know more? We’ve got you covered.
Your questions answered
Is MultiCar insurance cheaper?
It depends. You’ll get a discount on each car you add, so it can be cheaper than buying separate policies for each car you need to insure.
Do all of the cars on the policy need to be at the same address?
No, we insure cars at different addresses as long as you’re all part of the same family.
If another car on the policy has a crash, will it affect my no claims bonus?
No, it won't. Everyone on the policy has their own no claims bonus.
If someone makes a claim for another vehicle on the policy, it won't affect yours.
Can I use my no claims bonus on two cars?
No, your no claims bonus only applies to one car.
If you sell it or get a new one, you can move your no claims bonus over.
Can the cars have different levels of cover and excess?
Yes, you can choose different levels of cover for the different cars on your policy. For example, one could have comprehensive cover while the other has Third party only.
The excess you’ll need to pay will depend on a few factors, like the driver’s age and the type of car.
How many cars can I add to a MultiCar policy?
You can add up to seven cars to one MultiCar policy, and you’ll get a discount for each one.
Need to add more? Give our friendly team a call on 0330 134 3206 and we’ll see what we can do.
Can I drive all the cars under a MultiCar insurance policy?
Not necessarily. You need to be a named driver on a car to drive it.
You can choose to add yourself as a named driver to all the cars if you’d like – if you have the main driver’s permission. Just be aware the price of your policy could change.
Can I add my child’s car if they live away at university?
Yes! The cars don’t need to all be at the same address. The person just needs to be part of your immediate family.
What do you class as immediate family?
To add someone’s car to your policy, we need them to be part of your immediate family. That means your:
- partner, whether you’re married or not
- parents and grandparents
- children and grandchildren
- brothers and sisters
- mother or father-in-law
- daughters or sons-in-law
- adopted, half or step members of your family
Read more about our customers' experiences
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