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Multi Car insurance

Multi Car insurance is exactly what it says on the tin: insurance for multiple cars. But there’s more to it than that, so we’ve put together this guide to answer any questions you may have about it.

Please call us on

0333 321 9827

for a Multi Car insurance quote.

Save time and money with Multi Car insurance

We'll insure both drivers within a single household, even if you're unrelated.

Great benefits with our multi car insurance policy come as standard:

  • Independently 5 Star rated by Defaqto
  • Windscreen and windows cover with our comprehensive cover
  • £5,000 personal accident cover with our comprehensive cover
  • No claims discount up to 65%
  • Courtesy car if your car is being repaired by an approved repairer
  • EU cover for up to 90 days per trip
  • Unlimited cover for factory fitted audio equipment
  • Uninsured driver and vandalism promise with our comprehensive cover.

Please call us on

0333 321 9827

for a Multi Car insurance quote.

View Hastings Help centre to find out more.


What is Multi Car insurance?

If there's more than one car registered to your address, you and any other drivers could save time and money with Multi Car.

Multi Car insurance can cover up to five cars registered at the same property under a single account. You and all other drivers will benefit from a Multi Car discount on your premiums.

If you cover all cars at once, you'll get the discount in one go. If you add cars to the account when their insurance comes up for renewal, provider offer a discount with each new car that's registered.

Is it cheaper to have Multi Car cover?

You might be surprised how much you could save with Multi Car cover. For instance, our Multi car customers can save around £52 for each car they add*.

Just like other car insurance policies, the price you pay for cover depends on a wide range of factors.

But Multi Car insurance offers other benefits aside from potential cost savings. Bringing all cars under one handy account can make managing insurance easier for everyone – because you'll only have one renewal date to remember.

Another advantage is that you don't need to be related to one another to benefit from a Multi Car account. So, as well as benefiting families and couples, Multi Car insurance could work for friends living together who own more than one car.

Policies within a Multi Car account can be flexible, too. Each car insured can have a different level of cover and excess amount, as well as additional products such as breakdown cover.

Can I insure more than one car?

If you own more than one car, Multi Car will let you insure them under one account. Again, this could make your life easier because you'll have just one renewal date to remember and one premium to pay.

If you do decide a Multi Car account is best, this doesn't automatically allow you to drive all cars under the policy – you may need to become a named driver on those vehicles. You can find the policyholder (main driver) and any named drivers on the car's motor insurance certificate.

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.

Multi car insurance from Hastings Direct

If you have more than one car in your household, we can cover them all with competitively priced, Defaqto 5 Star rated car insurance.

You could save up to £52 for every car you add on a Multi Car insurance account*. Plus, you'll save time on managing paperwork as everything will be in one handy place.

If you take out Hastings Direct comprehensive car insurance you can also enjoy perks such as windscreen and windows protection, £5,000 personal accident cover and uninsured driver and vandalism promise.

* Based on average premiums for 12 month car policies sold between July and September 2020

Please call us on

0333 321 9827

for a Multi Car insurance quote.

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