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Like with any insurance policy, one size does not fit all. This is because the cost of getting a car insured depends on a huge range of factors such as the age and experience of the driver and the cost and performance of the car. This could mean that one car is pushing up the overall cost of the quote when they could get a cheaper quote with another insurer separately. For example, a year-old woman with 30 years' driving experience and a squeaky clean licence is in a prime position for one of the cheapest insurance policies available. Her year-old daughter on the other hand, recently unleashed onto the roads, will be considered a far higher risk for the insurer, consequently increasing the overall cost.

The type of car is also taken into consideration. If you have a high-performance car in one of the highest insurance groups, you might find that taking it to a separate insurer will be cheaper. Despite this, many households with more than one car will find they can make significant savings with a multi car insurance policy. You might not always save money with a multi car insurance policy, especially if one driver could get a better deal from a specialist provider.

This may be the case if one of the policyholders is a young or inexperienced driver, their car has modifications or they have a history of claims or driving offences. Like a standard car insurance policy, you need to inform your insurer if you change your car or if your circumstances change — for example if you get a new job, move house or receive a conviction for driving or other offences and remember this goes for all drivers on a multi car policy.

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To see if you could save with multi car insurance, compare quotes with uSwitch partners money. By using this system you are agreeing to our Terms and Conditions and Privacy policy.

Kasey Cassells - August 30th, Share this page on Facebook Share this page on Twitter. How does a multi car policy work?

What if all cars have different renewal dates? Overall, the policy can be simpler, with one set of paperwork that covers all drivers and cars listed.

Who can be insured on a multi car policy?

A multi-car policy usually covers between two and five cars as long as they are registered to the same address. Why it's cheaper For some insurers, they might view multiple cars as more business when you get a policy together instead of going to different providers. For this reason, many companies are happy to offer a discount for multiple drivers and cars.

Policies that have several drivers on them risk the possibility of rising rates over the years, especially if there are multiple claims. To keep premiums low, keep the person listed for a vehicle someone who is more experienced, like a parent, if there is a teenager or a younger person on the policy.

Multi car insurance

Renewal policy When you're shopping for a multi-car policy, there is the risk that each vehicle insured could have a different renewal date. You don't want to wait for each of the cars to finish their old policies before bundling together in a new one. With a multi-car policy, all vehicles will come under coverage when it is time for renewal once the first car is already being covered.


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Policies typically cover vehicles for 12 months, so they will come up for renewal at different times if they started in different months. Everything you need to know about getting the best homeowners insurance policy in and beyond. Compare quotes with CoverHound today!