5 Best Multi Car Insurance Companies in the UK

Are you looking for the best multi car insurance companies in the United Kingdom? There are several of them out there willing to offer maximum protection for your vehicles. In this article, you are going to discover the five (5) top multi car insurance providers in the UK.

What is Multi Car Insurance Policy?

A multi car insurance policy provides coverage for multiple cars. As a car owner, you want to protect all the cars you have in your garage. Regular car insurance doesn’t cover all that because only a car is covered with the policy.

How do Multi Car Insurance Policies Work?

Multi car insurance policies work by “bundling” or combining multiple vehicles on the same policy. You can now cover your car, truck and van with the same insurance policy.

Worthy of mentioning is that the availability of the coverage differs by insurance companies. It is worthwhile to find out the type of cars the insurer covers and the type of peril or hazard covered.

Another aspect of how multi car insurance works is that “passenger-only” vehicles are covered. This means that only the vehicles used for commercial or transportation purposes are commonly covered with the policy.

Which Insurance Companies Offer Multi Car Policies?

Getting the multi car insurance policy is key to covering several cars you own. However, you must find the best multi car insurance companies in the UK to do that.

Here is a list of multi car insurance companies you can buy the policy from in the UK:

1.    Bell

Bell is one of the companies offering multi car insurance in the United Kingdom. It does this via its affiliation to Admiral, one of the leading multi car insurers in the UK.

At Bell, multi car policyholders get to enjoy maximum coverage, up to 10 vehicles. You also get to register the vehicles at different addresses, assuming you are covering vehicles for someone else.

2.    Elephant

Elephant is another multi car insurance company in the UK, offering its policy through Admiral. At Elephant, policyholders are allowed to insure up to 10 vehicles.

One of the advantages of getting your multi car insurance policy from Elephant is that you can get up to £5,000 worth of personal injury.

Policyholders will also get additional benefits, such as:

  • Add-ons, including breakdown cover and legal protection for the vehicle.
  • Mid-range multi car insurance coverage.
  • New vehicle replacement.
  • Windscreen coverage.
  • Underinsured driver coverage.

3.    Admiral

Admiral is the leading multi car insurance policy provider in the UK. Due to its excellence, the company has had several affiliates partnering with it to sell the policy.

One of the selling points of Admiral’s multi car insurance policy is one renewal date. This allows the policyholders to use the same date to renew the multi car policy of all the vehicles named on it.

Another benefit of getting your policy from Admiral is access to a customer portal. Through this, you can manage all your multi-covered vehicles from one interface.

Admiral also offers family car insurance, meaning that you can cover vehicles belonging to family members. Interestingly, the family members don’t necessarily need to stay at the same address with you to be covered.

Admiral also offers a combo of other multi car insurance coverages, including:

  • New Car Replacement: This is available for first registered keepers of a vehicle. The new car replacement coverage is available for vehicles that are under a year old.
  • Courtesy Car: Admiral approves a courtesy car for your use, pending when your damaged vehicle is repaired or replaced.
  • Underinsured Driver Promise: This type of coverage is necessary if you got into an accident with an underinsured driver. In that case, the other driver doesn’t have enough coverage to protect the vehicles. Admiral offers you the underinsured driver promise to covers the excesses that come with getting into an accident with an underinsured driver.

4.    LV=

LV= is one of the popular multi car insurance companies in the UK. The company allows policyholders to insure up to 6 vehicles.

The downside to registering your vehicle with LV= is that they all need to be registered at the same address. Therefore, insuring the vehicles of family members who don’t live with you wouldn’t be possible.

However, you would be able to get up to 180-day coverage in most European countries. In addition, most of the risks attributed to your vehicle will be covered in the standard policy.

5.    AVIVA UK

AVIVA is one of the leading multi car insurance companies that offers flexible coverage. As a policyholder, you will be offered up to 10% discount for every car you add.

If you think that is all, there is more on the way. AVIVA UK also offers multiple coverages, including:

  • Uninsured Driver Cover
  • Separate No Claim Deposit
  • Motor Injury Protection
  • Vehicle Recovery
  • Your Liability

One of the benefits of getting multi car insurance from AVIVA UK is that you can choose from multiple options, including Comprehensive Car Insurance, Theft Cover, Fire Cover and Third-Party Coverage.

How to Compare Multi Car Insurance Providers

Although we have made a list of the best multi car policy providers in the UK, there is more to look for.

In this section, you are going to learn the tips to picking the best UK multi car insurance company.

Read Multi Car Insurance Reviews

One of the best ways to learn about something is to check the experience of the previous users. In this case, you want to read the multi car insurance reviews from previous and existing policyholders.

Independent platforms like Trustpilot can be a great place to start. Then, use online forums like Quora to get answers to some of the questions you may have.

Get Online Quotes

Another way to compare multi car insurance companies is to get quotes online. With the information, you can make multi vehicle insurance comparison.

Check the rates or premiums charged by the companies and the number of vehicles covered. Another important factor to consider is whether the insured vehicles need to be registered at the same address or not.


What is the Difference between Multi Car Insurance vs Single Car Insurance?

Multi car insurance policy covers several cars under one policy, while single car insurance covers only a vehicle.

Can You Have Multiple Car Insurance Companies?

Yes, you can have multiple car insurance policies with multi car insurance companies. The primary condition is that the vehicles must be registered in your name.

How Many Cars can I Cover with Multi Car Insurance Policy?

The number of insured vehicles vary by the provider. While some insurance companies cover 5 vehicles, others can cover up to 10 cars.


Purchasing multi car insurance policy is your ticket to covering multiple cars. The list of multi car insurance companies should point you to the best policy providers out there. In addition to the policy, you can get additional coverage by purchasing add-ons. For example, you can purchase the replacement keys cover to cover the costs of replacing the car keys when stolen, lost, or damaged.


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