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What Is multi Vehicle insurance?
Multi car insurance does exactly what the name suggests. It’s a type of specialist cover which aims at bundling all your vehicles insurance into one easy to access policy. Whether your vehicles are different types, need different levels of cover, or have different drivers they can be bundled in the same policy.
One in three households in the UK own more than one car, so it makes sense to consolidate all your insurance costs into one. This type of insurance will also allow you to consolidate your renewal dates. This makes it much easier for drivers to stay on top of their monthly insurance admin.
Do I need Multi vehicle Insurance?
If you own more than one vehicle, having a multi car insurance policy should be a no brainer. One of the main positives of this type of insurance is that it can reduce your overall premium prices.
When you combine cars together in one policy, insurers will often offer you multi car discounts. They will do so for each vehicle you add to your insurance policy. So the more cars you add to your multi car insurance bundle the cheaper your insurance will be.
How does multi car insurance work?
Multi car insurance works just like a normal car insurance policy. You will either start a brand new policy, or you could include additional cars to your current insurance policy.
Multi car insurance can work in two ways. You can insure multiple vehicles under one name, but you can also add multiple drivers and cars to one singular policy. This means all drivers get to maintain their own no claims discounts. In the same light, if one of the insured drivers makes a claim, other drivers’ no claims bonus won’t be affected.
Some insurers are ok with insuring a wide variety of vehicles under the same policy. So if you own a car and a commercial van, this type of policy will also suit your needs.
Multi vehicle insurance also allows for your vehicles to have different levels of cover. This means that your day to day vehicle with comprehensive cover and your van with a business insurance can be bundled in the same policy. This makes it much easier to stay on top of payments.
How can I reduce my multi car insurance cost?
Drivers insured – The drivers insured in the policy can have a considerable impact on the price of the policy. Depending on their age, years on the road and no claims bonuses accrued the insurance price can fluctuate.
Cars insured – The vehicles you insure can have a great impact on the price of your car insurance policy. Use the Thatcham Insurance Group rating to find vehicles in a lower insurance group.
Increase your excess – Your excess is the amount you pay if you need to make a claim. When drivers agree to pay a higher excess they are reducing the overall payment from the insurer.
Multi Vehicle Insurance Cover
Depending on your individual needs, our price comparison engine can find quotes on three levels of cover:
Third Party Only
Third Party insurance offers the minimum insurance cover. You are protected if you have an accident causing damage or injury to any other person, animal, vehicle, or property. The problem with this type of cover is that it doesn’t protect any repair costs to your own vehicle.
Third Party, Fire and Theft
This is similar to Third Party insurance but with some added features. This type of cover will also pay for repairs or replacement if your car is stolen or set on fire. This type of insurance still won’t cover the costs of damages if you are involved in an accident.
Comprehensive Cover
Comprehensive van insurance is the most popular and offers the highest level of cover. It includes the same perks as Third Party, Fire and Theft, but it also covers the damage made to your own car. This is the case even if the accident was your fault.
What We Need From You?
To apply for a quote all we need is:
Some information about you
Basic driver details such as name, age, type of license and years on the road
Some information about your vehicle
Details such as vehicle type, model, modifications and any security measures installed
Additional cover to consider alongside Multi Vehicle insurance
A policy providing protection in the event of your vehicle breaking down. Not all Breakdown Cover is made equal with varying levels of cover on offer, ranging from basic roadside cover through to a more comprehensive home start policy it is important to understand the level of cover the policy offers
Provides third party cover when driving other vehicles. It is important to make sure that the vehicle you are driving under this type of extension is fully insured by a third party
Protects your No Claims Discount in the event of having to make a claim against your main insurance policy.
Our Approach
At Quote the Market you can compare multi car insurance quotes from a variety of trusted insurance providers.
At Quote the Market you can:
View your quote online- we are a genuine price comparison site for multi vehicle insurance, so we don’t just capture customer details and sell them on to insurance brokers. We show you your options.
Customer gets to choose who contacts them, if anyone at all.
Purchase policies online- In some cases you won’t need to contact a broker, all your policy can be purchased online.
Wide panel of insurers- this gives you the potential to cover all types of circumstances, including young drivers, non-standard vehicles, and drivers with previous convictions.
Frequently Asked Question
This type of policy grows with you, giving you the freedom to add more cars as and when you need it. This allows you to see off your existing policy, and when that’s finished your new car can be added.
There is some flexibility in terms of where your vehicles are based. Some insurers allow multi car insurance in different addresses in certain cases. For example if one of your children has started university and they are taking their car with them, there is a possibility of keeping it under the same insurance policy.
You will be able to drive any car, as long as you are a named driver in that policy. The other cars that are within your policy should only be driven by the main policy holder. You can on the other hand add a drive other vehicles clause to your insurance policy for an added cost.