We're all busy, so the last thing we want to do is spend our time arranging insurance. The older we get the more policies we have to keep track of – and that’s why we've introduced MultiCover.
It's a great way to save time arranging car and home insurance, by bringing it all into one product, freeing you up to do something more enjoyable.
We were the first UK company to offer MultiCar Insurance – a policy which lets you put more than one car onto the same policy and earn a MultiCar discount.
MultiCover does the same thing with your car and home insurance. You get all the features of an Admiral home and car insurance policy, but all rolled into one with a MultiCover discount. You only need to have one home and one car to get started – you can add more to the policy later.
It’s more straightforward – instead of juggling several policies, you’ll have just the one, with a single renewal date. You get a MultiCover discount for each new product you add to your policy and the bonus is it saves you time.
Alistair Hargreaves, Head of Service at Admiral, explained: “No one likes spending time buying insurance, especially when they have multiple policies to buy.
“Many people now have more than one car, and with home insurance to consider too, that can mean a lot of time spent talking to your insurance company throughout the year. MultiCover is great because you can arrange cover for all your cars and homes in one go, and you get a discount too.”
Think about all the time and effort you spend arranging insurance policies; all the forms you fill in, the passwords to remember and the renewal dates to keep track of. Wouldn’t it be great if you could just deal with it all in one go?
With MultiCover, there’s only one set of documents to read. And to make it easier for policyholders to manage their cover, each one has access to their own customer portal.
Setting up a MultiCover policy is a two-stage process. For example, you might start with car insurance before moving on to home insurance.
Because we use much of the same information for both policies, you don’t have to fill out nearly as many forms, making it much quicker.
You can also choose to pay in full or spread the payments by monthly direct debit, whatever suits your circumstances best.
If you’ve switched from MultiCar insurance to MultiCover you won’t have to cancel your old policy – we’ll do it for you. The same is true if you’re adding a single car policy or home insurance to your MultiCover policy – it’ll automatically join when it’s due for renewal.
If you’re making the move from another company, however, you should make sure you don’t end up with dual insurance.
Let’s say you have a combined home and car insurance policy. What happens if you claim on the home insurance – will it affect your No Claims Bonus? The answer’s no: each policy is treated as an individual.
The same goes for any motor insurance claims – it only affects the No Claims Bonus of the vehicle or policyholder involved. Any other vehicles and policyholders won’t be affected.
Before you make the switch to MultiCover, check your new policy has all the benefits you’re used to. Our MultiCover policies include all the great features you get with any other Admiral Home or Car Insurance policy.
A brand new MultiCover policy runs for 12 months.
Whether it's your home or car that needs insurance first, it doesn't matter. With MultiCover we give you an annual price for the one that needs to start first.
For example, if your car is due for renewal now but your home isn't due for several months, your car comes on cover straight away and your home joins when it's due. The home insurance will then run until the renewal date of the car leaving you with just one easy renewal date to remember.
As with our MultiCar insurance, each driver will build up their own No Claims Bonus. This is ideal if you have a son or daughter who’s a named driver on your car insurance as they can build up their own bonus to use on their own policy.
And even better, every car that’s on the policy for more than three months gets a full year No Claims Bonus (as long as there were no claims).
If you apply online you can insure one home and up to seven vehicles, but it's possible to add more cars and more properties – just contact us directly and we’ll help you out.
No – immediate family members can have cars registered at different addresses. They’ll still be covered and will also build up their own No Claims Bonus.
Immediate family includes a person's:
Adopted, half, and step family are also included.
Because you're renting, you won't need to take out buildings insurance – but you could still benefit from a MultiCover discount if you take out contents insurance.
When the time comes to think about renewing your MultiCover, we’ll give a price for each car or home on cover. If we’re not competitive, you’re free to shop around.
The process of buying a MultiCover policy is the same as any other policy. You should first work out how much cover you need for your situation:
For home insurance, you should decide how much cover you need by estimating how much it would cost to replace all the items in your home. Look at the various policies and decide what additional features you need. For example, if you live in a high flood-risk area, you’ll need flood protection. Additional boiler cover can also be valuable if your boiler packs up at the wrong time.
If you’re not sure how much your home’s contents is worth, work it out with our handy contents calculator.
When the time comes to buy, you can get a quote quickly online or over the phone. In both instances, make sure you have the following information handy:
MultiCover is all about making things easier. It brings separate policies under one roof, simplifies processes and saves money. Taking everything you get from existing car and home insurance policies and bringing them under one umbrella, you get exactly the same benefits – the only difference is, it’s all part of the same policy.