MultiCover Insurance

Keep what matters covered with MultiCover Insurance

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Why choose Admiral MultiCover?

The home of MultiCover

We were the first to launch MultiCover in 2017 - and we've been helping our customers cover more for less ever since.

One policy for the whole family

Cover your immediate family on one simple policy - even if they live at different addresses.

Less life admin, more life living

Keep everything in one place - with one renewal date, one set of documents and less to manage.

What is MultiCover Insurance?

MultiCover insurance lets you combine multiple car, van, home and landlord policies into one.

You'll get a discount for each policy you add, so you can save money while covering what matters to you.

With everything safe in one place, you'll only have one renewal date and one set of documents to keep track of.

Plus, everyone on the policy has their own MyAccount login so they can manage their cover whenever they need.

How does MultiCover Insurance work?

Choose what you'd like to insure

From your four wheels to your happy place, choose what you want to cover.

Unlock your discounts

You'll get a discount for each policy you add.

Get one set of paperwork

You can find your documents in MyAccount or we can post them to you.

We'll align the renewal dates

Renew all your policies at the same time on the same day.

Is MultiCover insurance cheaper?

Every car, home, van or rented property you add to MultiCover will get a discount.

But everyone's price is unique to them and depends on lots of different factors. Get a quote or get in touch to see how much you could save!

Ready to set up your MultiCover?

Start by choosing what cover you need below.

Your MultiCover in a few steps

Your MultiCover in a few steps

One of our friendly team will be able to set up your cover over the phone. Please call us on the number below.

Call 0333 234 0036

Mon to Fri: 08:00 - 19:00
Sat: 09:00 - 17:00
Sun: 10:00 - 17:00

Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

Your MultiCover in just a few steps

Just give us a call on the number below to get started.

Call 0330 234 0036

Monday to Friday: 8:00am - 7:00pm
Saturday: 9:00am - 5:00pm
Sunday: 10:00am - 5:00pm

National call rates apply.

Your MultiCover in just a few steps

Just give us a call on the number below to get started.

Call 0330 134 3208

Monday to Friday: 8:00am - 7:00pm
Saturday: 9:00am - 5:00pm
Sunday: 10:00am - 5:00pm

National call rates apply.

Your MultiCover in a few steps

One of our friendly team will be able to set up your cover over the phone. Please call us on the number below.

Call 0333 234 0036

Mon to Fri: 08:00 - 19:00
Sat: 09:00 - 17:00
Sun: 10:00 - 17:00

Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

Your MultiCover in a few steps

One of our friendly team will be able to set up your cover over the phone. Please call us on the number below.

Call 0333 234 0036

Mon to Fri: 08:00 - 19:00
Sat: 09:00 - 17:00
Sun: 10:00 - 17:00

Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

Your MultiCover in just a few steps

Just give us a call on the number below to get started.

Call 0330 134 3208

Monday to Friday: 8:00am - 7:00pm
Saturday: 9:00am - 5:00pm
Sunday: 10:00am - 5:00pm

National call rates apply.

Your MultiCover in just a few steps

Just give us a call on the number below to get started.

Call 0330 234 0036

Monday to Friday: 8:00am - 7:00pm
Saturday: 9:00am - 5:00pm
Sunday: 10:00am - 5:00pm

National call rates apply.

Your MultiCover in just a few steps

Just give us a call on the number below to get started.

Call 0333 234 0036

Monday to Friday: 8:00am - 7:00pm
Saturday: 9:00am - 5:00pm
Sunday: 10:00am - 5:00pm

National call rates apply.

Your MultiCover in just a few steps

We can't combine van and landlord insurance on our MultiCover right now. But don't worry, our team will be able to talk you through your options and look at separate cover for you. Just give us a call on the number below.

Call 0333 234 0036

Monday to Friday: 08:00am - 07:00pm
Saturday: 09:00am - 05:00pm
Sunday: 10:00am - 05:00pm

National call rates apply.

Done

I'm already an Admiral customer - how do I get MultiCover?

Already have a car, van, home or landlord policy with us? It's quick and easy to upgrade your policy to MultiCover - get in touch with us and we'll be happy to help.

Get in touch

What the experts say

Demi Noble Field, MultiCover Senior Product Manager

Insurance should fit around your life, not the other way round. Bringing your policies together can help you keep track of what's covered and your renewal dates - so you can feel more in control if something does go wrong.

What do I need to get a MultiCover quote?

A bit about you

  • Name
  • Age
  • Where you live
  • Your occupation

If you're insuring a car or van

  • Registration number
  • When you bought it
  • How much it's worth
  • Any modifications
  • Driver's licence and contact information for you and any named drivers

If you're insuring a house or rental property

  • The address
  • What cover you want - buildings, contents or combined
  • Any security measures you have, like cameras or alarms
  • What material the house is made from

Your questions answered

What’s the difference between MultiCover and MultiCar?

MultiCar insurance covers multiple cars on one policy. But if you'd like to cover your van, home or even rental properties too - you can cover them all on a MultiCover policy.

How do I add family members to my MultiCover policy?

You can add family members in MyAccount or by giving us call.

If someone on my policy has an accident, will that affect my no claims bonus?

No, it won't. It'll only affect the no claims bonus of that car and driver - but no other drivers on the policy.

Will it affect my no claims bonus if I make a home claim on my MultiCover policy?

No, it won't. If you need to make a claim on your home insurance, it won't affect any of the cars or vans on your MultiCover policy.

How long does MultiCover last?

It lasts 12 months, and you can choose to renew at the end of it.

Do the vehicles need to be registered at the same address as the home insurance policy?

No - they can be at different addresses, as long as they're your immediate family.

If I take out a MultiCover policy, will I have to cancel my existing policies?

No, you won't need to cancel your car and home insurance until they're due for renewal, and then they'll join your MultiCover policy.

Who pays if there's more than one person on the policy?

The policy administrator is the one who makes all the payments. It's up to them to collect payments from the other people on the policy.

How can I pay for my MultiCover policy?

You can pay monthly by Direct Debit or annually with a single payment.

Heads up - if you pay monthly, you'll need to pay interest. This means we lend you the full cost of your insurance, and you pay it back monthly.

This makes your insurance more expensive overall than paying for it annually. But it does make it easier to manage your payments.

Have a think about what works best for you and your budget.

Can all policyholders and named drivers make changes or claims on the policy?

Yes. The policy administrator will look after all the paperwork and payments, but any policyholder or named driver can call us to make a claim or change their details.

They'll only be able to make changes to their car or home, no-one else's.

Will a motor claim affect my home insurance on MultiCover?

No - if you need to make a car or van insurance claim, it won't affect your home insurance at all.

What do you classify as immediate family?

To add someone's car or van 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

How many cars and homes can I add to the policy?

You can add one home and seven cars if you get an online quote.

If you'd like to add more cars or properties, give us a call on 03301 343 208 and one of our friendly team will help.



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Read more about our customers' experiences

Back

Car insurance

We offer a few different types of car insurance. Check out what works best for you below.

Third party only

This is the most basic level of cover that you legally need to have.

If you're in an accident, we'll pay out to the other people involved but you won't be able to claim for damage to your car.

Third party, fire and theft

As well as paying out to a third party if you're involved in an incident, this level of cover protects your car from damage caused by fire or theft.

But it doesn't cover the cost if your car's damaged in another way, like a crash.

Comprehensive car insurance

This includes cover for fire, theft and damage to someone else's car if you're in an accident.

Unlike our other cover levels, it also covers the cost of repairing or replacing your car if it's in an accident or someone damages it on purpose.

We have four levels of comprehensive cover:

  • Admiral Essential
  • Admiral
  • Admiral Gold
  • Admiral Platinum

Apart from Essential, our comprehensive cover comes with extra benefits like windscreen cover and extended cover for driving outside the UK.

Comprehensive cover

Admiral Platinum Admiral Gold Admiral Admiral Essential

Courtesy car

Uninsured driver promise

Personal Injury cover (up to £5,000)

24-hour emergency helpline

Replacement lock (up to £500)

Child car seat

Windscreen cover

New car replacement (if you're eligible)

European cover up to 90 days

Aftermarket audio gear

Personal Belongings

Up to

£300

Up to

£300

Up to

£200

Personal belongings (campervans)

Up to

£500

Up to

£500

Up to

£500

Onward travel (up to £150)

Motor Legal Expenses

Optional Optional

Roadside Breakdown

Optional Optional Optional

Third party cover

Third party, Fire
& Theft

Third Party
Only

Driving other cars (conditional)

24-hour emergency helpline

Courtesy Car

Replacement lock (up to £500)

European cover up to 90 days

Aftermarket audio gear

Motor Legal Expenses

Optional Optional

Roadside Breakdown cover

Optional Optional

Windscreen cover

Optional Optional

Uninsured driver promise

Personal Injury cover (up to £5,000)

Child car seat

Personal belongings cover

New replacement (if you're eligible)

Onward travel (up to £150)

Head over to our car insurance page to find out more. Already a customer? See your cover limits in MyAccount.

Back

Home insurance

Check out how our different levels of home insurance compare below.

Good to know

The table below shows the standard benefits and "up to" limits of each level of cover. You can customise some of these limits when you get a quote and add optional extras like Accidental Damage.

Admiral Admiral
Gold
Admiral
Platinum
24-hour helpline
Unlimited buildings cover (eligibility criteria applies)
Contents cover

£100,000

£125,000

£150,000

Alternative accommodation limits (Buildings)

£50,000

£75,000

£100,000

Alternative accommodation limits (Contents)

£15,000

£20,000

£25,000

Trace and access

£5,000

£5,000

£10,000

Bicycle cover

£350

£350

£350

Home Emergency cover Optional
Personal Possessions cover Optional Optional

£2,000

Accidental Damage cover Optional Optional
Home Emergency Extra cover Optional Optional
Home Legal Expenses Optional Optional

Head over to our home insurance page to find out more. Or, if you're already a customer, you can see your cover limits in MyAccount.

Back

Van insurance

Check out how our different levels of van insurance compare below.

Comprehensive Cover

Admiral Platinum Admiral Gold Admiral Admiral Essential

Motor Legal Expenses

Optional Optional

Roadside Breakdown cover

Optional Optional Optional

Courtesy van

Uninsured driver promise

£5000 Personal Injury cover

24hr emergency helpline

Replacement lock cover (up to £500)

Child car seat cover

£150 Sign Writing/Graphics cover

Personal belongings cover

Up to

£300*

Up to

£300*

Up to

£200*

Windscreen cover

New vehicle replacement (Subject to criteria)

European cover for up to 90 days

Audio equipment cover (Aftermarket)

Onward travel (up to £150)

Driving other vehicles

Third Party Cover

Third party, Fire
& Theft

Third Party
Only

Motor Legal Expenses

Optional Optional

Roadside breakdown cover

Optional Optional

Courtesy van

Uninsured driver promise

£5000 Personal injury cover

24hr emergency helpline

Replacement lock cover (up to £500)

Child car seat cover

£150 Sign Writing/Graphics cover

Personal belongings cover

Windscreen cover

Optional Optional

New vehicle replacement (subject to criteria)

Driving other vehicles

European cover for up to 90 days

Audio equipment cover (aftermarket)

Onward travel (up to £150)

*Personal belongings cover increases to £500 for campervans

Head over to our van insurance page to find out more. Or, if you're already a customer, you can see your cover limits in MyAccount.

Back

Landlord insurance

Good to know

The table below shows the standard benefits and "up to" limits of each tier. You can customise these during a quote, and add optional cover like Accidental Damage.

Combined Insurance

This is your general landlord insurance, which combines buildings and contents. It's usually cheaper than buying both separately, and may be the right fit if you rent out a furnished house.

However, we suggest that leaseholders check whether the freeholder has already arranged buildings insurance, to avoid doubling up on cover.

Our combined policy includes:

  • up to £75k contents sum insured
  • up to £1k for replacement locks and keys
  • contents removal and temporary storage for Gold and Platinum
  • loss or damage during a storm - our storm hub defines what a storm is
  • alternative accommodation and loss of rent

Combined Insurance cover available on each tier as standard.

Scroll right for more level options

Admiral

Admiral
Gold

Admiral
Platinum

Buildings sum insured

Unlimited Unlimited Unlimited

Property owner's liability

£1m £2m £2m

Employer's liability

£5m

Alternative accommodation & loss of rent

£30k £75k £100k

Replacement locks & keys

£500 £750 £1k

Emergency access

£500 £1k £2.5k

Loss of metered water/oil

£500 £1k £2.5k

Sale of property

Unauthorised use of gas/electric/water

£1k £2.5k

Trace and access

£5k £10k

Unoccupancy

30 Days 60 Days 90 Days

Contents sum insured

£25k £50k £75k

Contents removal & temporary storage

Theft from garages and outbuildings

£1.5k £5k

Garden contents

£1k £2.5k

Garden plants

£1k £2.5k

Contents Insurance

Contents insurance covers things inside your rented home, such as theft and vandalism. It's a good option if you're renting out a flat.

If you’re a leaseholder, fixtures and fittings damage is included as standard on a contents only policy (subject to exclusions).

This includes carpets, laminate tiles, and sanitary ware. Please make sure the value of these are included in the contents total you tell us, as well as any furniture yo're responsible for.

Our contents policy includes:

  • up to £75k contents sum insured
  • up to £1k for replacement locks and keys
  • contents removal and temporary storage for Gold and Platinum
  • leaseholder fixtures and fittings
  • alternative accommodation and loss of rent

Contents Insurance cover available on each tier as standard.

Scroll right for more level options

Admiral

Admiral
Gold

Admiral
Platinum

Contents sum insured

£25K £50K £75K

Property owner's liability

£1M £2M £2M

Alternative accommodation & loss of rent

£10K £15K £25K

Replacement locks & keys

£500 £750 £1K

Contents removal & temporary storage

Theft from garages and outbuildings

£1.5K £5K

Garden contents

£1K £2.5K

Leaseholder fixtures and fittings

Buildings Insurance

Buildings insurance helps pay for damage to your rented home's structure and fittings. It also protects your garages, outbuildings and any other permanently fixed structure.

It's the minimum level of cover we'd recommend for rented properties and is available on each tier as standard. However, we suggest that leaseholders check whether the freeholder has already arranged buildings insurance, to avoid doubling up on cover.

Our buildings policy includes:

  • unlimited buildings sum insured
  • unoccupancy cover up to 90 days
  • up to £1k for replacement locks and keys
  • fixtures and fittings
  • cover for loss or damage during a storm - our storm hub defines what a storm is
  • alternative accommodation and loss of rent

Buildings Insurance cover available on each tier as standard.

Scroll right for more level options

Admiral

Admiral
Gold

Admiral
Platinum

Buildings sum insured

Unlimited Unlimited Unlimited

Property owner's liability

£1m £2m £2m

Employer's liability

£5m

Alternative accommodation & loss of rent

£30K £75K £100K

Replacement locks & keys

£500 £750 £1K

Emergency access

£500 £1K £2.5K

Loss of metered water/oil

£500 £1K £2.5K

Sale of property

Unauthorised use of gas/electric/water

£1K £2.5K

Trace and access

£5K £10K

Unoccupancy

30 Days 60 Days 90 Days

Head over to our landlord insurance page to find out more. Or, if you're already a customer, you can see your cover limits in MyAccount.