Multi Car insurance
Switch to Multi Car cover and you could save £186*
Save money on every car you add to the policy. If the additional cars aren't due for renewal yet – we've got that covered too.
What are the benefits of Multi Car insurance?
* Hastings Essential policies don't include windscreen cover and come with £1,000 personal accident cover as standard.
** Not included on Hastings Essential policies.
How Multi Car insurance works
You can add cars for anyone that lives with you at your address and you'll get a discount for every car you add. The cars can be at any point in their current policy, we'll just align them to renew the same time as your car. Handy, eh!
Each car will have its own policy under the Multi Car cover, but you would be the main account holder. This means you can manage the policies online and are ultimately responsible for all payments.
Is Multi Car cover cheaper?
Just like all other insurance, the price you pay for cover depends on a wide range of things. But you'll get a discount for every car you add to the policy, so you could be surprised by how much you save. You'll also benefit from having all cars under one handy account, which makes managing them easier for everyone as you'll only have to remember one renewal date!
You don't even have to be related to benefit from Multi Car cover, so this type of cover works just as well for friends who live together as it does for families and couples. It's flexible too, each car can have a different level of cover and excess amount, as well as any additional extras such as breakdown cover.
Can you have two main drivers on the same car?
No – any car insurance policy needs to have one main driver (policyholder) and then any additional drivers are added as named drivers.
On a Multi Car insurance policy, it's likely the main driver on the policy will be the only one who gets to build up their no claims discount (also called no claims bonus). If one of the cars on the account is involved in an accident, then the discount on that vehicle will be reduced unless the policyholder has no claims discount protection.
Is it cheaper to add a second driver?
Adding a second or named driver to a policy could lower premiums depending on the risk profile of the person you're adding.
It has a lot to do with the second driver's record and driving history. For instance, if they're inexperienced or have points on their licence, it could end up increasing the cost of cover.