MultiCover - how it works and how to buy it


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The majority of people would agree saving time and money are the most important things when it comes to insurance, but how do you do it?



The world is becoming more connected and insurance is no different, with Admiral MultiCover you can bring your home and car insurance policies under one roof to make life that little bit easier.

Admiral is the home of MultiCar insurance which has proved to be one of our most popular policies over the years. It helps you insure multiple cars and drivers on the one policy. Now we’ve extended that into a new policy called MultiCover Insurance which can cover both your home and your cars.

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.

Why choose MultiCover?

It’s more straightforward – instead of juggling several policies, you’ll have just the one, with a single renewal date. You get a guaranteed MultiCover discount 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?

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 on the second. The whole process takes about 15 minutes.

Is MultiCover right for me?

As with any new insurance policy, there are lots of questions you’ll want to ask so we’ve put together some of the most common:

What happens to my old policy?

If you’ve switched from a MultiCar insurance to MultiCover you won’t have to cancel your old policy. We’ll do it for you. However, if you’re making the move from another company, you should make sure you don’t end up with dual insurance

Will one policy impact the other?

For example, 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? No, each policy will be treated as an individual and won’t affect any other policyholders or named drivers

Will my cover be the same?

Before you make the change, check that your new policy will contain everything you’ve already got. Our MultiCover policies include all the great features you get with any other Admiral Home or Car Insurance policy

How long does the cover run for?

A brand new MultiCover policy will run for 12 months but even if your second car or home don’t currently renew at the same time you can add them on at the date they do and they will then run until the original renewal date.

Insuring your car and home under one policy

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. How many drivers do you want on the policy? How will the car be used? Will you be using the car abroad and would you like breakdown cover?

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 will need flood protection. Additional boiler cover can also be a God-send if your boiler packs up at the wrong time.

When the time comes to buy, you can get a quote quickly online or over the phone. In both instances, make sure you have all the information at hand. There’s nothing worse than scrambling around to find crucial details.

Finally, to get the best deal, without sacrificing levels of cover, think about what you can do to bring the quote down. For example, you could add security systems to your home and car – or fix a Black Box device to monitor your driving style.Talk to your insurer and find out what you can do to reduce the cost.

MultiCover is all about making things easier and cheaper. It brings separate policies under one roof, simplifies processes and saves money. However, the process of buying, and the features you get remain the same – it all depends on knowing what you need, and understanding what each policy offers.

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MultiCover Insurance

One policy to rule them all. Insure Home & Car together and get yourself a deal.


Start a MultiCover policy with either a home or car and get your first discount straight away

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