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If you have more than one car in your household, managing multiple policies can be expensive and time-consuming. Multi-car insurance policies provide a simpler way to insure several vehicles under one plan, often at a discounted rate. In this guide, we’ll explain how they work, their benefits, and whether they’re right for you.

What Are Multi-Car Insurance Policies?

A multi-car insurance policy covers multiple vehicles under a single insurance plan. It’s ideal for families, couples, or housemates living at the same address. Instead of managing separate policies for each car, you can bundle them together—often at a reduced cost.

Each driver maintains their own level of cover and No Claims Discount (NCD), meaning claims on one car won’t necessarily impact another. However, insurers set their own rules, so it’s important to compare options before committing.

Benefits of Multi-Car Insurance

Cost savings – Many insurers offer discounts when multiple vehicles are insured together.
One renewal date – Avoid the hassle of juggling multiple renewal dates.
Flexible cover options – You can choose different levels of cover for each car.
NCD protection – Each driver’s No Claims Discount is usually kept separate.

Who Can Get Multi-Car Insurance?

Multi-car policies are available to:

Families with more than one car at home.
Couples living at the same address.
Housemates who share an address (some insurers allow this).

Is Multi-Car Insurance Always Cheaper?

Not always. While multi-car discounts are common, it’s worth comparing prices, as individual policies may sometimes be cheaper—especially if one driver has a higher risk profile.

To get the best deal, compare quotes and check for flexible cover options.

Find the Best Insurance for Your Needs with Rooster

At Rooster, we make car insurance smarter. Our app searches over 100 providers to find you the cheapest quote—even if it’s not with us. Like a comparison site, but better.

Download the Rooster app today and start saving on your car insurance!