Multicar insurance online

Official statistics give us interesting informations about households in the UK :
- 25% don’t have a car,
- 45% have only one car
- 25% have exactly two cars
- 5% have at least three cars.

And of course, each car must be insured. Many of us have experienced the tedious process of getting our car insured : choosing the best insurance by comparing policies in detail is not a pleasant task.
Fortunately, there is an alternative to this solo approach known as multicar insurance.

What is a multicar insurance ?

A multicar insurance policy provides coverage for each vehicle you own. Hence you have a single insurance plan covering up to five motor vehicles. It’s almost like seeing all your cars as a single car : you have a single policy protecting the entire household. This implies that all your cars must be registered at the same address. Managing a single policy instance instead of several ones will obviously save you some time, but also lower your insurance cost. Indeed, one can expect to lower admin fees and negotiate an interesting insurance price due to the number of vehicles that are involved.

The next step : multicar insurance comparison

Now that you know about a simplified version of insurance covering all your cars does not mean that the sign-up process is simplified as well : don’t blindly sign without having a closer look to the policies, as you would do for a ‘standard’ insurance policy. Some people aim to find a policy with minimal covering, thus excepting to obtain a cheap price. And some people have a price limit and seek for the maximum coverage not exceeding their budget. Therefore it makes no sense to talk about the best multi car insurance. It is however realistic to talk about the best multi car insurance meeting your selection criteria. These criteria are household dependent, and they should be precisely identified before comparing multicar insurance policies. To help you make your final decision, list all your criteria, assign a importance coefficient to each one of them (a value between 1 and 5 for instance), give a note to each criteria. Now each line of your list can be assigned a importance value obtained by multiplying the importance coefficient with the note. Now just add all criteria importance value to get the overall score of the insurance policy you just reviewed. Repeat the process for each insurance policy you are reviewing, and compare the scores. The highest score tells you which policy is the best for you.

You might think that there are no differences between a single insurance policy and a multicar insurance, apart of some minor adaptations to take into account the number of vehicles involved. Although it covers more than one motor vehicle, it is not clearly stated that it covers more than one driver, which has a non negligeable impact on the final price. If you want another driver to be covered, you have to specify it before signing up !
That’s one example and they might be more depending on the multi car insurance companies. It is strongly advised to make a detailed analysis of the multicar insurance policies.

Multicar insurance policy : a deeper look

You might think that there are no differences between a single insurance policy and a multicar insurance, apart of some minor adaptations to take into account the number of vehicles involved. Although it covers more than one motor vehicle, it is not clearly stated that it covers more than one driver, which has a non negligeable impact on the final price. If you want another driver to be covered, you have to specify it before signing up !
That’s one exemple and they might be more depending on the multi car insurance companies. It is strongly advised to make a detailed analysis of the multicar insurance policies. /bmulticar insurance policybr //b
You might think that there are no differences between a single insurance policy and a multicar insurance, apart of some minor adaptations to take into account the number of vehicles involved. Although it covers more than one motor vehicle, it is not clearly stated that it covers more than one driver, which has a non negligeable impact on the final price. If you want another driver to be covered, you have to specify it before signing up !

Related article : Admiral Multicar Insurance