What is multi car insurance?
If you have more than one car in your household, you can insure them all on one multi car policy. Every car you add earns its own discount, plus each car gets its own No Claims Bonus for every year it remains claim free. When it’s time to renew, you’ll have just one date to remember.
Are multi car policies cheaper?
Not only will Admiral MultiCar save you time and paperwork if you insure more than one car, it can also save you money - £248 actually.
Although individual policies could be cheaper, with Admiral you get our MultiCar discounts for every car on cover.
And 10% of customers who gave us a best alternative quote between Jan 2019 – Jun 2019 saved £248 with Admiral MultiCar!
How does multi car discount work?
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. Add your friends and family to the policy to earn more discounts.
The cheapest multi car insurance on the market might not be the best option for you so take the time to read the features and benefits included in the policies you’re looking at.
It’s important you have the right level of cover for every vehicle, so you’re not left short should you ever need to make a claim.
If you’re comparing multiple car insurance quotes, be sure to come to Admiral directly as our MultiCar Insurance isn't on comparison websites and we believe it’s the best there is.
Four reasons why you should choose Admiral
Great customer service
98% of customers would buy from us again. Based on 17097 respondents between Jan 2019 – Jun 2019
You could save over £248
10% of customers who provided a best alternative price saved between £248 between Jan 2019 – Jun 2019
Best Car Insurance Provider
Voted by consumers as the Best Car Insurance Provider 2018/19 for the sixth year running (Personal Finance Awards).
Save with MultiCar
When insuring additional cars, customers save with MultiCar. Since 2005 we have insured nearly 7 million vehicles with MultiCar.
Crammed with features and benefits
Our comprehensive policy is crammed with great features and benefits as standard.
We’ll repair or replace your windscreen (excess applies).
You’ll get a courtesy car while yours is being repaired at an Admiral-approved garage.
Driving holiday in Europe? You get up to 90 days’ cover as standard.
Unlimited cover for standard sound systems.
£5,000 Personal Injury Cover
Get £5,000 of personal injury cover for you and your spouse.
Named Driver No Claims Bonus
Any Named Driver could earn themselves an Admiral No Claims Bonus for use with Admiral policies.
Sat-Nav and Personal Belongings Cover
If your personal belongings or effects are damaged or stolen while in your car, we'll pay up to £150 to help you replace them.
24 Hour Emergency Helpline
Comprehensive and third party, fire & theft customers can call if they have an incident and we're liable for the damage.
Insure a second car with us and, in most cases, we'll match your No Claims Bonus on that vehicle as well.
Family car insurance
The great thing about our multi vehicle insurance is its flexibility, so the whole family can save. As long as the cars belong to immediate family members, they don't even have to be registered to the same address. It really is as simple as that!
Our customers love us
Look at what they're saying...
Financially well worth it. Good follow up from their customer dept. I really appreciate their others offers for eg recovery deal and the time spent to explain to us the benefit of having MultiCar.
Low prices comparing with others and excellent customer service.
The staff who dealt with me were knowledgeable, polite and at times humorous. This may not seem important to a lot of companies but to me they are at the forefront of the company and the most important part of the sale. Admiral staff passed with flying colours.
A video guide to our cover
All you need for a quote
We've tried to make getting a MultiCar Insurance quote as easy as possible but you will need some information to hand so we can help you get your discounts.
For each car, you will need:
- the car registration and/or make and model
- their renewal dates
For each driver, you will need:
- their name
- their date of birth
- any insurance claims they've made
- any driving convictions they have
Your questions answered
We're sure you'll love our great discounts, but maybe you have a few questions. You can find answers in this section.
Will I be able to drive all the cars on the policy?
You must be named as a driver under section 5 of the car's Certificate of Motor Insurance, to be able to drive it.
How many years am I tied into a policy?
The policy lasts 12 months; you then have the option to renew at the end of the year as normal. If you add another vehicle mid-term they will be insured up to the original renewal date on a pro-rata basis.
Is MultiCar Insurance for me?
If you have multiple private cars including camper vans or a classic car (not company or commercial), then it could save you money. Read our guide to find out more about multi car.
Will my No Claims Bonus be affected if a claim is made?
If a policyholder covered by your policy makes a claim or a claim is made against them, only they are affected. The No Claims Bonus of any other policyholders covered by the same policy won't be affected.
Do the cars need to be at the same address?
No, if you are immediate family then you can live at different addresses. So, if your son or daughter has left home you can still get the benefit of a discount.
Who can drive my car?
Only the people listed under section 5 of the current Certificate of Motor Insurance for a particular car can drive that car. If you want to add drivers to one of the cars, either for a few days or for the rest of your policy term, call our Customer Service Department. The drivers must be eligible for insurance with Admiral. There is a charge for adding drivers to your policy, which we'll tell you when you call.
If all the renewal dates are the same, won't I get a big bill?
You get discounts on each car you insure and you can spread the cost by paying for your insurance over 12 months.
If my son crashes will it affect my NCB?
If your son, daughter, wife, husband or any other policyholder on your cover makes a claim, or a claim is made against them, while they're driving their own car it won't affect any of the other policyholders' No Claims Bonus. However, if they have an accident in your car (which you are policyholder for) then your No Claims Bonus will be affected, but not for the other cars.
What if I already insure with Admiral?
If you currently have your car insured with Admiral but would like to get a quote for a MultiCar policy that's fine. Call our sales team and they'll guide you through the quote.
You won't have to cancel your existing policy as you'll receive your discount on your new car straight away.
All cars on the policy will renew on the same date.
If I buy a MultiCar policy will I have to cancel my other insurance policy for the second car?
No you won't need to cancel insurance for the other cars until it's up for renewal - they simply join our policy when it's time for renewal. When they're ready to come onto your policy they'll earn their own discounts.
Won't it be difficult to change my car?
Not at all. You can change cars any time you like during the term of the insurance policy. (Admin fee applies).
Do I have to be married to get MultiCar Insurance?
No, you can cover all the cars registered at one address no matter who they belong to, as there will be multiple policyholders. For immediate family members they can still be covered under your policy, even if they live at different addresses.
Can I use my no claims discount on two cars?
No Claims Bonus (NCB) or No Claims Discount applies to a single car so can’t be applied to another car on your multi car policy; each car on the policy earns its own NCB. If you sell a car, you can transfer its NCB over.
Can the cars have different levels of cover and excess?
Yes - on a two car policy, for example, one car can have Comprehensive cover while the other can have Third Party, Fire and Theft. The excess can differ based on various criteria such as age of drivers and type of car.
Can I add a van to my MultiCar policy?
You can only add cars to a MultiCar policy. But you can add cars and vans to a MultiCover policy.
Do I need a green card to drive in the EU?
In the event of a no-deal Brexit, or at the end of any transitional period when we leave the EU, you’ll need a Green Card to drive your vehicle in:
- Countries in the European Union (EU)
- Countries in the European Economic Area (EEA)
If you’re concerned you may be abroad in one of the countries listed above in the coming months when there’s a chance we could leave the EU, you can request a Green Card using our online form.
You must carry a physical copy with you, so you’ll need to request it as soon as possible before you’re due to travel to make sure there’s time to post it out to you.
How do I get my car repaired?
Once you’ve registered your claim, and if your car is economical to repair, one of our Approved Repairers will:
- Arrange collection of your vehicle if it’s undriveable
- Send the estimate straight to us
- Give you a courtesy vehicle while yours is being repaired
- Use manufacturer parts. (And we provide a guarantee for workmanship and parts for as long as you own the vehicle.)
- Clean your vehicle before it’s returned
When you get your quote, tell us about any cars you'd like to join at a later time, regardless of their renewal date, and we'll calculate your discounts now.
You don't need to cancel insurance for your other cars, they join the policy when ready. Cars don't even need to live at the same address, if they belong to immediate family members they join too.
You can add different types of vehicles including camper vans and classic cars. Each car earns its own discount and No Claims Bonus.