Having car insurance ensures you are covered financially if the worst were to happen to your car. Such incidents could involve damage from an accident, theft, vandalisation and fire damage. Car insurance means you won't have to dig into your pocket to pay for potentially huge repair or replacement costs.
Car insurance is a legal requirement for cars driving on public roads. You will be heavily penalised if you are found to be driving without insurance. The minimum level of coverage you must legally have is third-party car insurance. Third-party insurance covers the damage to another person's car, for example, in a collision accident, but provides limited cover for your vehicle.
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How much does car insurance cost?
Car insurance is either made up of an annual or monthly premium. Annual premiums are paid in a single lump sum when a policy is purchased; monthly premiums require a deposit and a monthly direct debit. Many factors come into play that will affect the cost of your car insurance. It needn't cost the earth when you take the time to compare premiums.
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Compare multi-car insurance online.
Multi-car insurance policies have the potential to save you money if you are insuring more than one vehicle.
Why might a household have multiple cars?
A household may have multiple cars for several reasons, such as:
Convenience: Multiple cars can make it easier for household members to run errands, commute to work, or pursue their interests.
Different needs: Different family members may have different driving needs, such as a larger vehicle for transporting children or a smaller car for city driving.
Work requirements: Some households may have multiple cars because family members have different work requirements, such as a truck for a job that requires hauling materials.
Cost-effectiveness: In some cases, it may be more cost-effective for a household to have multiple cars than to buy and maintain a larger vehicle.
Personal preferences: Some family members may prefer different types of vehicles, such as a sports car or an electric car, leading to the need for multiple vehicles in the household.
Why are multi-car insurance policies often cheaper?
Multi-car policies are often cheaper for several reasons:
Volume discount: By insuring multiple vehicles with the same insurer, households can benefit from volume discounts, which are similar to bulk purchasing.
Ease of administration: Insuring multiple cars with one policy makes it easier for the insurance company to manage the account and can lead to cost savings.
Better risk management: Insurers can more effectively manage their risk by grouping multiple vehicles from the same household under one policy.
Increased loyalty: Offering multi-car discounts can also encourage households to remain loyal to a single insurer, leading to long-term cost savings for the company.
It’s always advisable to compare insurance quotes from multiple providers to ensure you get the best coverage deals.
Why Insuro for multi-car insurance comparison?
With Insuro.co.uk (powered by Quotezone), you can search for competitive insurance policies and easily view and compare the options. We make it simple to find low-costmulti-car insurance when you use our handy comparison tool – it’s never been easier to find the insurance that suits your needs.
Some providers even allow you to include your car and home insurance on the same policy. Unfortunately, not all comparison sites offer this as a function, so it’s best to ask your insurer whether this is something that they do.
Easy online comparison tool
It’s easy to find multi-car insurance policies you’ll love when you use our straightforward online tool. Once you’ve filled out your details, see great value deals from a wide range of insurers to suit you. View and compare your quotes immediately or retrieve them later. All you need to do to get started is complete our online form.
Save on your multi-car insurance.
You might save money when you compare multi-car insurance policies through us. Search results quoted half of all comparison service customers under £350* for car insurance. If you want a multi-car cover that’s still affordable, enter your details now to see excellent value insurance quotes.
Get multi-car insurance quotes today.
If you’re ready to find insurance policies that impress you, you’re in the right place. Complete our simple form now and let Insuro find and compare the options for your household – you could be looking at multi-car insurance deals within minutes!
*50% of customers who bought their car insurance through this comparison service, which Seopa provided, were quoted under £350 (Jan ’16 sales).
Is a Multi-Car Insurance Policy Right for You? Here’s What You Need to Know.
If you have more than one car in your household, you may consider a multi-car insurance policy. Multi-car policies allow you to insure all of your cars under one policy, which can be more convenient and cost-effective than insuring each car individually. Here’s what you need to know aboutmulti-car insurance policies:
You can insure up to five cars on one policy
Most insurance companies allow you to insure up to five cars on one multi-car insurance policy. This can be a great option if you have a large household with multiple cars.
According to Amanda Bathory, the director of insurance at Compare the Market, “If you have a household with more than one car, a multi-car insurance policy can save you time and money. Insuring multiple cars under one policy can be more convenient than managing multiple policies, and you could save up to 20% on your premiums.”
Each car can have its own level of cover
With a multi-car policy, each car can have its own level of cover. For example, you might choose to have comprehensive cover on your main car but only third-party cover on a second car that’s used less frequently.
According to Lee Griffin, the CEO of GoCompare, “A multi-car policy can offer flexibility in terms of the level of cover you choose for each car. For example, if you have an older car that’s not worth as much, you might choose to have a lower level of cover to keep your premiums down.”
You can add and remove cars as needed
With a multi-car policy, you can add and remove cars as needed. This can be useful if you buy a new car, or if someone in your household sells a car.
According to Amanda Bathory, “A multi-car policy can offer more flexibility than individual policies. If you need to add or remove a car from your policy, you can do so without incurring any cancellation fees.”
You could save money
Multi-car policies can be more cost-effective than insuring each car individually. You could save money on your premiums, and you’ll only have to pay one renewal fee each year.
According to Rob Cummings, the head of motor and liability at the Association of British Insurers, “Multi-car policies can be a good option for families or households with more than one car. Not only can they be more cost-effective, but they can also make it easier to manage your insurance policies.”
You can still earn no-claims discounts
Each car on your multi-car policy will earn its own no-claims discount, even if one car has an accident or makes a claim. This can help to keep your premiums low.
According to Greg Wilson, the founder of Quotezone, “With a multi-car policy, each car earns its own no-claims discount, which can be useful if one car has an accident or makes a claim. It’s worth noting that some insurance companies may offer a higher no-claims discount for each additional car you add to your policy.”
If you have more than one car in your household, a multi-car insurance policy could be a convenient and cost-effective option. Shop around and compare prices from different insurance companies to find the best deal.
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