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Multi-car insurance

Cover for all your household’s cars. Get a quote for multi-car insurance from Admiral[1]

What's multi-car insurance?

Multi-car insurance covers several vehicles under one policy with a single provider.

You'll get all the benefits of standard car insurance, but there’s usually a discount for each car you add to the policy.

With some providers, you can also add multi-car breakdown cover  and other optional extras that apply to all drivers and cars on the policy.

How does multi car insurance work?

Multi-car policies are usually designed to cover all the cars at a single address, although some will be able to cover immediate family, like grown-up children, who live elsewhere.

If all the cars in your household currently have insurance that ends on different dates, don’t worry. You can set future start dates, so each one will be added to your multi-car insurance when its single policy expires.

Even though you’re insuring them all with the same provider or policy, each car still earns its own no claims discount.

Some policies will have a limit on the number of cars or drivers they can cover, so check for this if you have a large household or a lot of cars.

Should I choose multi-car insurance?

Multi-car insurance generally suits families where all drivers live at the same address. That's because it’ll usually only cover vehicles kept at the same address, but if one car needs to be kept away from home for extended periods, some multi-car policies will allow this – good news for children away at uni.

Check terms and conditions to see if your insurer will cover family members living at different addresses.

You might find it easier dealing with one insurer instead of several, but be aware that not all providers cover all cars on a single policy.

The main advantage is the multi-car discount, but there are other pros and cons to consider:


  • Insuring all drivers and cars under one multi-car insurance policy can make it easier to manage paperwork and any claims
  • Despite all drivers being under one policy, each driver retains their no-claims bonus. That means your no-claims bonus shouldn't be affected if someone else needs to claim. But do check policy documents to be sure
  • Some policies cover cars that spend some of the year away from home, which helps if you've got older children at uni


  • Putting a less-experienced driver or someone with motoring convictions on your multi-car policy could increase the overall cost. It's a good idea to compare quotes for individual policies as well in this case to see if it works out cheaper
  • Depending on how the policies are linked, if one driver makes a claim it could push the future price up for other drivers on the policy
  • You pay for multi-car insurance in the same way you do for single car insurance – annually or monthly. If you have synced renewals, that means one big bill to pay yearly. If that's not affordable, you'll end up paying interest to pay monthly – potentially eating into your multi-car discount

Why choose Admiral MultiCar?

Lots of providers will give you a discount for insuring more than one car with them, but Admiral MultiCar cover has some very useful features:

  • Cover for multi-household families  You can insure cars for immediate family members at different addresses - they don't all need to live in your household.
  • One renewal date  Add each car as the renewal's due and you'll have just one renewal date, 12 months after adding the first car.
  • No claims bonus accelerator  Each car that's added at least three months from your renewal date will get a full year's no-claims bonus. Perfect for helping new drivers build up a discount.
  • Individual no-claims bonuses  each driver has their own NCB. If someone else on your multi-car policy makes a claim, your own NCB won't be affected.

Is multi-car insurance cheaper?

There’s no guarantee it’ll be cheaper than separate policies, but it’s worth checking. To find out what works out cheaper for you, compare car insurance quotes, add them up, then try a multi-car quote to see if it costs less.

Just make sure you compare like-for-like in terms of the level of cover and features you need. So if you want comprehensive insurance including legal cover and insurance for driving in Europe, only compare prices on policies that include those things.

The driver’s age and the car insurance group are two of the biggest factors affecting the price. That means a multi-car policy that combines a 50-year-old driving a BMW i8 with an 18-year-old in a modified Citroen C3 will be priced based on the risk each poses to the insurer, combined into a single premium.

There are plenty of other factors that go into the price though. Your driving history, whether you’ve claimed before, got penalty points and even where you live all affect the price.

How to buy multi-car insurance

Getting multi-car insurance quotes is quick and easy, and could save you money. Here's how simple it is to get cover for all the cars kept at your house:

  1. The cars:

    Registration number, make and model, mileage and any modifications

  2. The address:

    Where the cars are registered and kept overnight

  3. The drivers:

    Info about the drivers. Their names, age and driving history

  4. The cover:

    Choose the level of cover, and add-ons, you need for each driver and car

Will you save with multi-car insurance?
Compare quotes for each car separately and see

Get quotes

Multi-car policy features and add-ons

There’s no standard list for what’s included in a multi-car policy. Some will cost extra, so make sure you only add and pay for what you really need.

  1. First-car discount

    The first car on the policy gets its own multi-car discount. Open the policy and tell the insurer how many cars you intend to add later so it can calculate your discount

  2. Courtesy car cover

    If you have a breakdown, most multi-car policies will include a courtesy car to keep you on the road

  3. European cover

    If you're driving in convoy to Europe, multi-car can cover you for European driving - but check the small print and speak to the insurer to extend your cover if it's not included

  4. Windscreen repair

    If the windscreen cracks on one of the covered cars, multi-car insurance will usually cover windscreen repair

  5. Stereo and sat-nav cover

    If your in-built car stereo or sat-nav breaks or gets stolen, multi-car policies will have personal possessions cover

  6. Personal injury cover

    Personal injury cover covers you if you're in a traffic accident and found to be at fault, up to a limit

  7. Emergency helpline

    Like other comprehensive car insurance policies, multi car can give you access to a 24-hour emergency helpline. If you're in an accident that's your fault, you can call for advice and assistance

  8. No claims bonus match

    Depending on the insurer, it may match the no-claims bonus on the second and third car that you add to the multi-car policy

  9. Uninsured driver protection

    Some insurers will cover your excess and protect your no claims bonus if you’re in an accident with an uninsured driver and it wasn’t your fault

  10. New car replacement cover

    Some insurers will replace your car with one that’s the exact same make, model and spec if it’s written off at less than a year old

No-claims discounts on multi-car policies

On linked policies, no-claims discounts (NCDs) work in just the same way as on standard car insurance policies. Each driver earns their own and only theirs will be affected if they make a claim.

But for multiple car cover under one policy, renewal dates are synced up for all policyholders.

That causes two problems:

  1. If you switch to a multi-car policy part-way through an existing policy, you'll miss out on your NCD for that year
  2. You might have to pay cancellation fees

Some insurers let you add each vehicle as it reaches renewal time. Others give you a quote for the second car when you’re getting cover for the first. That quote's then guaranteed until the second car’s up for renewal.

If your chosen insurer doesn’t do this, you could sync up all cars in the household on the date that the final car is due for renewal and take out short-term insurance in the interim for the remaining cars. But that can be a more expensive option, when you could just insure for the year, protect your NCD, and be done with it.

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[1] introduces you to Admiral Insurance to provide multi-car insurance quotes. Admiral Insurance is authorised and regulated by the Financial Conduct Authority.’s relationship with Admiral Insurance is limited to that of a business partnership, no common ownership or control rights exist between us

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