Multi Car Insurance

1 in 3 UK households insures multiple cars on separate policies. You’re practically giving insurers more than you should if you do. With our multi-car policy, we can scour our database to find you the best premiums on any kind of vehicle.

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Not On Any Comparison Sites

We understand the challenges of finding the right cover for all of your cars. Getting affordable insurance is tough enough with just one car, let alone your entire fleet! Finding the right balance between protection and affordability is something we strive to achieve for our customers. Our panel of insurers gives multi car quotes from the UK’s top providers.  Additionally, we can insure up to 20 additional cars under one policy- you can’t find this level of protection on any comparison sites.

We’ve invested heavily into developing the technology and growing our team to serve the needs of customers who want to insure multiple vehicles.

Our multi car insurance policy quote can cater to any customer’s needs. If you’ve had difficulties insuring a high net worth car with an everyday motor or you’re a convicted driver struggling to find cover for your cars – we can help!  No matter what your situation looks like, we will try our best to insure you as quickly and painlessly as possible.

Already insured with us? You can save money with our multi car discount whereby each additional vehicle you put under cover with us, you get a reduction in premium.  How great!

What is Multi Car Insurance?

In a lot of ways, multi car insurance policy quotes are like any others. It is flexible and allows drivers to insure multiple vehicles under one policy with one renewal date.  In short, they can be very convinient as it means you no longer have to deal with multiple insurers throughout the year, instead a quick quote at renewal will have you set up for the next 12 months.

Choosing a multi car policy has its perks. For example, you can choose differing levels of cover and excess on each vehicle.  Want one TPO and another fully comprehensive?  No problem.

You also have to oppurtunity to select any additional extras you might need.  Just to name a few, Quote Detective can provide breakdown cover, key cover and legal protection with a multi car insurance policy.

Family members or other policyholders can build their no claims discount (NCB) on the car they’re insured under. As a result, if any additional driver ever made a claim, it wouldn’t affect your policy.  A high NCB will help to reduce any future premiums you may have because it shows insurers that you are safe and cautious on the roads.

Who is multi car insurance for?

As the name suggests, multi-car insurance is for people looking to have more than one vehicle under one policy. Here are a few instances where multi-car insurance may save you money:

  • Families with young adults living in temporary location such as location.
  • Couples living together with separate cars.

  • Individuals with multiple cars.



What insurance cover do I need for multi car insurance?

Similar to when you have insured your vehicles in the past, drivers can choose from three levels of cover for each of their cars under the fleet policy. It’s a legal requirement to have at least third party only (TPO) cover for your car if you drive in the UK. We also offer comprehenive, as well as third party, fire and theft cover.  Although these may be more expensive, they offer higher levels of cover in the event of an accident.

By law, drivers need to at least have third party only (TPO) to legally drive in the UK. TPO only covers damages on the other driver’s car if you’re involved in an accident
This policy offers the same level of cover as TPO, plus the addition of fire damage and theft to your car. 
Fully comprehensive provides cover to both your car and the other driver’s car if you’re involved in an accident. Plus it covers medical and legal expenses and liability insurance.

Choosing which level cover you want to go for is totally up to you. Do be mindful, however when choosing cover for any additional drivers.  You need to assess their driving capabilities and how frequently they are on the road. Then you can make an informed decision.  As mentionned previously, although fully comprehensive cover and third party, fire and theft may turn out to be more expensive, they may be worth considering if you or anyone else insured under the policy spends a lot of time behind the wheel.



What we need from you!

Our insurance panel has access to the UK’s top insurance provider, so we can pull the most affordable multi-car policies easily for you! Here are four things you’ll need to have close to you when you’re trying to get cheaper car insurance quotes.

Have your personal details ready for your quote journey. This includes, your name, address, date of birth, occupation and your drivers license number.

The next step is to tell us about your car. This includes, it’s previous owners (if applicable), the model, make, year and any modifications.

What type of cover do you think you’ll need? Think carefully on how you’ll be using your car. Tell us your annual mileage and whether you’d like TPO, TPFT or comprehensive cover.

After all those steps are complete, you’ll get your quote. Now, it’s up to you, to choose which quote you want.

If you require any further assistance or you’d rather have someone talk you through your options because your quote is too high. Please reach out to our team, 0333 222 4005.




How you can get cheaper car insurance

There is no disputing that insurance can be expensive, even with a multi-car discount. However, there are actions you can take that will lower your premium. Getting your quote through us is a great way to quickly see which insurance provider can offer you the cheapest quote.

There are so many actionable steps you can take that will lower your multi car insurance quotes, but we’ll highlight 5 ways that will ensure you’re not paying more than you should.

  • Pay annually:

    Paying annually is one of the best ways to keep your premiums down. Without the interest you’d generate from paying in installments, you could end up saving hundreds on your multi-car insurance.  Essentially these payments will be in 10 installments spread accross the year meaning that you will pay small amounts regularly, rather than a block amount all at once.

  • Avoid modifications:

    Modifying your car’s looks or performance will increase your premium.  It is impossible to say to what length this will affect your price as it will depend on the extent of the modifications and the type of car you have.  Although these alterations can look cool, in order to keep your prices low it may be wise that you and any additional drivers covered under the multi-car policy stay clear of modifications.

  • Add telematics :

    Installing extra security on your vehicles such as alarms or immobilisers will lower your quotes because the risk of theft is not as high. Be sure to contact your insurance provider before making any modifications because it could impact the price of your current premium.

  • Lower your mileage:

    Lowering your mileage and that of the other policyholder’s will reduce your premium. The less you or other policyholders travel, the less you’ll pay. Insurers will see you as less of a risk because you’re not on the road as much. But don’t underestimate your mileage, as you could end up paying a fine or your policy could be invalidated.

  • Switch to us: We can save you up to £300 on your renewals!




Why Quote Detective for your multi car insurance?

Even the most experienced drivers will face challenging situations on the road, that’s just the way things go. This applies especially to multi-car policies. We understand our customers needs because we take the time to understand their situation and life. Our industry-leading technology combined with our team of experts is the reason we’re able to find the best multi-car premiums for our customers.




Need to contact us?

Our friendly team is ready to help you with anything you need:

Monday – Friday : 9:00am to 7:00pm

Saturday : 9:00am to 2:00pm

Sunday and Bank Holidays: Closed

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