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Should I choose multi-car insurance?

Should I choose multi-car insurance?

Multi-car coverage usually suits families where all drivers live at the same address.
You might discover its easier dealing with just one insurer rather than several but be aware that not all providers cover all cars on a single policy.
Some providers can still set up different policies for each vehicle, so the main advantage is the multi-car discount.

Advantages  of multicar insurance

  1. Multi-car policies are convenient 
  2. Sometimes there’s a reduction for insuring all cars collectively
  3. You might be able to cover cars at different addresses – but check as not all providers can do this
  4. Your no-claims discount shouldn’t be affected if another driver on the policy claims - but check the small print

Disadvantages of multicar insurance

  1. The maturity and experience of operators will influence the overall policy cost
  2. So will the shape, performance and insurance assortment of all vehicles on the policy
  3. If a different driver on the policy makes a claim, the overall premium will increase
  4. If the renewal date for all cars and drivers is the same, you’ll get lumped with a big bill in one go if you pay annually. But if you have linked policies you can stagger start and end dates to avoid this
  5. You might think to choose to pay monthly solves the problem of a large annual bill, but then you’re essentially taking a loan from the insurer, with interest, and will pay more for your insurance overall

You should look at your policy carefully, this blog is only providing information and should not be taken as a consultation. 


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