How does multi car insurance work?
Start your policy now with one car and get your first MultiCar discount
Other cars join the policy later, when due for renewal, for more MultiCar discounts
The more cars you add the more MultiCar discounts you get
What's included with MultiCar?
When you compare car insurance, a cheap multi car insurance quote might not be the best option for you - take the time to read the features.
Our comprehensive MultiCar cover comes with these great features as standard.
You’ll get a courtesy car while yours is being repaired at an Admiral-approved garage.
Uninsured driver promise
Your No Claims Bonus is protected and we'll cover your excess if you're in a non-fault accident with an uninsured driver - just give us the registration number of the other car.
New car replacement
If you’re the first registered keeper of a car under a year old, we’ll replace it for the same make, model and specification if it's written off.
Named driver No Claims Bonus
All named drivers earn their own No Claims Bonus for use with Admiral policies.
We’ll repair or replace your windscreen (excess applies).
Driving holiday in Europe? You get up to 90 days’ cover as standard.
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.
All repairs carried out by our approved repairers come with a lifetime guarantee, if you own the car.
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.
How do I make a claim?
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:
- Collect 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 that won’t affect your warranty on vehicles of all ages
- Provide a lifetime guarantee on all repairs completed on your vehicle for as long as you own it
- Clean your vehicle before it’s returned