Compare 2 cars
We don’t offer multi-car insurance comparison – here are some companies  offering quotes 
- Link single car insurance policies together for a discount, or start a new multi-car policy
- Transfer or match pre-existing no claims discounts between policyholders
- Find out whether flexible multi-car cover could save your household money
Owning a car means you need car insurance. If you’re lucky enough to own two or more, or if the members of your household all need separate cars, you’ll need to insure all of them. But taking out separate policies for each vehicle could become very expensive very quickly.
Multi-car insurance lets you bundle all your car insurance policies together with a single insurer, either as multiple policies held together or merged into a single policy. You may even get a discount on your premiums if you do this.
For multi-vehicle households, it’s a convenient way to manage the insurance. However, it’s worth pointing out that there’s no guarantee it’ll be the cheapest option for your circumstances.
What’s included in multi-car insurance?
As with a standard car insurance policy, multi-car policies will usually last for one year. You may be able to spread the cost of the policy across 12 months, though this may well incur interest charges.
Depending on your provider, a comprehensive multi-car policy could include any of the following as standard, or as an optional add-on:
- First car discount
- Courtesy car
- European cover
- Windscreen repair
- Stereo cover
- Personal injury cover
- Sat-nav cover
- Emergency helpline
- No claims bonus match
It’s worth noting that if you bring several single car insurance policies together under one insurer to gain discounts, they may each contain different benefits and add-ons that can’t be shared across all policies.
Compare your multi-car insurance policy
What’s the best multi-car insurance?
Unfortunately, we can’t actually tell you which one is the best policy – that depends on your circumstances and which policy or policies you think best suits your budget.
However, it may not be cheaper than taking out multiple individual policies. And there are a number of other factors you should take into account before committing.
As a word to the wise, it’s best to review how the insurer deals with no claims discounts:
- Read the terms and conditions carefully to see if your no claims bonus can be transferred to your multi-car policy
- Renewal may need to be at the same time for all policyholders. So, be aware that if you switch to a multi-car policy part-way through an existing policy, you’ll miss out on your no claims bonus for that year, and may not be able to get a refund on unused premiums
- There may be problems transferring a no claims bonus accrued on a multi-car policy if you choose to change provider – or switch to a single-vehicle policy – in the future
If you’ve just renewed your policy, but your children both go off to separate universities in two months’ time and need their own cars, this could make for an awkward set of renewal dates.
Some will allow each individual policy within the multi-car deal to run and renew on its own timescale. Others will demand that each individual policy renews at the same time.
It’s also worth being aware of the administration charges associated with the policy, especially given the fact that multiple people and vehicles increase the likelihood of changes needing to be made during the course of the policy term.
Potential changes to bear in mind could include a change of address or vehicle. And if the whole household moves, this could result in an admin fee for each driver on the policy.
No claims bonus and your multi-car insurance
How straightforward is multi-car insurance comparison?
“Comparing multi-car policies can prove quite tricky, given the complex nature of the service. Unfortunately, this also means that there’s no single answer as to whether a multi-car policy will prove cheaper than taking out individual policies for each vehicle,” says Matt Oliver, GoCompare’s car insurance expert.
The only real way to see if you can save is to obtain individual quotes – which we can help you find quickly and easily here at GoCompare – then compare the total price to a quote for a multi-car policy.
If a multi-car policy is the cheapest and best way for you to arrange your cover in one year, remember that this won’t necessarily be the case when it comes to renewal.
Providers are likely to be keen to push the benefits of the ease and convenience of renewing all your motor insurance in one go, but auto-renewal without shopping around is one of the most costly mistakes made by consumers when sorting out their cover.
“Loyalty counts for very little when it comes to insurance,” says GoCompare’s president, Lee Griffin. “Many drivers would be better off switching rather than sticking with the same insurer.”
If you’ve got a multi-car policy with one provider, it’s always worthwhile reviewing the policies other providers offer at renewal time to see if you can continue saving money by switching or sticking.
By Sean Davies
 We do not offer a full comparison service on multi-car car insurance at Gocompare.com but instead have provided links to some companies that do offer multi-car insurance. These companies are not listed in an order that indicates that one is better than another but are instead ordered in line with our commercial arrangement with each one. Please remember, as different companies offer different policies, it is up to you to choose the one that best suits your needs
 Gocompare.com introduces you to Admiral and esure to provide multi-car insurance quotes. All providers are authorised and regulated by the Financial Conduct Authority. Gocompare.com’s relationship with Admiral and esure is limited to that of a business partnership, no common ownership or control rights exist between us.
 According to Admiral on 2 May, 2017, 10% of respondents between 1 August, 2016 and 31 January, 2017, who gave a best alternative price saved £454