A multi-car insurance policy covers up to ten vehicles that a household owns. If you have more than two vehicles, applying for multi-car insurance can help you save money and avoid the tedious process of applying for individual car insurance. By having multiple vehicles covered by one policy, you get to save on premiums and enjoy huge discounts.

What you need to know about multi-car insurance

Many insurance companies allow up to ten vehicles to be covered by a single policy as long as they are registered at the same address. Typically, companies provide five to ten per cent discounts for every vehicle added to the policy. If you live with a partner who uses another car or your family members use multiple vehicles, applying for a multi-car insurance will save you a lot of money.

Multi-car insurance policies are also not limited to households with multiple members. If you use more than one vehicle, you can also have them covered under a single protection plan as long as they are under your name.

Sharing a multi-car policy

While not all insurance companies cover multiple vehicles unless they are registered at the same address, some allow family members to share a single policy as long as they are immediate relatives. However, there are specific factors to consider before you ask to share a single coverage plan:

  • Do they drive carefully and don’t get involved in minor accidents often?
  • Are you certain that they will pay their share?
  • Will they agree to split the costs evenly?

With multi-car insurance, you must ensure that the people you’re sharing the policy with are responsible, especially if you plan on sharing the insurance with friends or roommates. No matter how big the discount you’re getting, you won’t be able to save money on a multi-car insurance if the above things are not observed, which is why it’s important to consider them first.

Adding or removing cars covered by the policy and renewal dates

Most insurance companies allow car owners to add or remove vehicles under the policy at a later date. Depending on the terms of the policy, you can add up to ten vehicles for free, but exceeding that will require an additional charge. On the other hand, if you wish to remove a vehicle from the policy, an amendment fee of around £30 will be charged upfront. Nevertheless, your premium will be adjusted immediately.

Renewing your multi-car insurance will usually depend on a specific vehicle covered by the policy. It can be tricky to renew your coverage because of this if you own every single vehicle under the insurance, but it can be beneficial if you want to share the policy with other household members. 

Additionally, some companies can align renewal dates for each vehicle to make the process seamless. However, if you’re sharing the policy with other people, you may want to keep the separate renewal dates to avoid confusion. You’ll also get to spread the cost evenly and easily.


A multi-car insurance provides households with multiple vehicles with convenience and a less complicated process. By adding multiple vehicles under one policy, each member gets to save on the cost of the policy’s premium. However, you also want to check if your specific conditions are beneficial to you and the other members before getting a multi-car insurance.

Goodbye Excess grants car owners in the UK with high-quality insurance policies. We offer multi-car excess protection to make it easier for you and your family to stay safe and protected. Contact us today to learn more!