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Multi car insurance

Park a second car on your policy and snip 10% off its cover price

Add extra vehicles registered at the same address. Just be aware that the 10% saving doesn’t stretch to optional add-ons 1

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What is multi car insurance?

It’s a way of covering all your cars and vans under one single policy. So as well as being parked together at your address, they’re perfectly lined up in your paperwork too. Because cover will start and renew on the same day for each vehicle. And there’s one price for them all. Which means a little less admin for you.

Then there are the extra pounds in your pocket or holiday jar. For each extra car or van you add on, you can chip 10% off the cover cost for that additional vehicle, excluding optional add-ons. Footnote [1]  

Different cover for each vehicle

One policy can have several flavours of cover – bend and shape the insurance for each vehicle with different cover levels, excesses and add-ons

Keep no claim discounts safely separate

Each main driver has their own no claim discount. So, if one vehicle bumps into a bus, the discounts for everyone else won’t clatter down like a row of dominoes

Extra protection against uninsured drivers

If your vehicle is involved in an accident caused by an uninsured motorist, we'll refund any excess you've paid. You’ll need to provide us with details of the other vehicle and driver.

How does multi car insurance work?

The way it clicks into place depends on what cover you have today. Take out a sparkling new policy for two cars at once. Or layer an extra vehicle onto the cover you already have – though you can’t do this with Aviva Online and Aviva Premium car insurance (policy numbers that start 72) or Aviva Zero car insurance (policy numbers that start AZC).

Here’s how:

You insure one vehicle with us already

Adding a second will automatically jumpstart a multi car policy. It takes a few moments to do this in MyAviva. Find your policy, choose the change option, and you’ll see a link to add a vehicle with multi car.

When you add a second vehicle, cover will run until your first car’s renewal date (and you’ll only pay for however many days that tots up to). From then on, they’ll always renew on the same day.

Add a second vehicle to your cover in MyAviva

You already insure two or more vehicles with us on different policies

We can arrange pulling the cover for them together on one policy. 

Get in touch to combine your cover

You don’t have car or van insurance with us already

Choose us to cover a pair of new vehicles in your life, or move them across from another insurer.

Start by getting a new multi car quote.

To add a third, fourth or fifth vehicle to your multi car cover, you’ll have to contact us.

Do you already have car insurance with us?

Compare the levels of our motor insurance

Pick between two levels of cover for each car. Our Third party, fire and theft insurance covers less but still gives several notches more protection than the basic ‘third party’ cover everyone needs to drive in the UK. Our comprehensive insurance has more muscle, covering the costs of damage to your own car or van, for example if you crunch into a tree.

Here we’ve listed out how each type covers you – and how much for, where there’s a limit on what we’ll pay out.

If it sometimes feels like we’re speaking a different language, you can find explanations for the important terms and words in our car insurance glossary.

Included

The market value of your vehicle

Included

The market value of your vehicle

Fire and Theft only

Included

Fire only

Included

Up to £5,000 per person, per policy year

Boost your insurance with our optional add-ons

Fine tune your cover for each vehicle on your policy. Stitch in these extras as you go through your quote, or at any time after you’ve got your cover, to see your price for any you choose. You’ll have the chance to decide if you want to keep them or not before you go ahead and pay for your cover.

Make sure one claim doesn’t make years of hard-earned discounts disappear, even if it was your fault.

This gives an expert legal helping hand and costs of up to £100,000 to recover compensation after a car accident, when you did nothing wrong. It covers you, your named drivers and any passengers. You’ll only get this support if it’s likely you’ll win your claim against the person responsible. It also provides up to £10,000 for lawyers’ costs to defend you against prosecution for a motoring offence.

We’ll keep you on the road with a courtesy car if yours is damaged, written off or stolen. You can only pair this with our comprehensive insurance.

Raise the level of your cover in case you, your partner or any named drivers suffer a serious injury or death from an accident in the insured car. You’ll need to have comprehensive cover to add this.

Never stand stranded at the roadside if your car or van gives up on you. Decide between different layers of cover, either hand-in-hand with your car insurance, or just on their own. We’ll either repair your car on the spot, or make sure you, your passengers and your car get where you need to go. But we don’t offer this if you live in Northern Ireland.

Explore breakdown cover (PDF 223 KB)

Pack up your cover and zip it into your case on a trip across to the continent. You can also add European breakdown cover (so you’re never trying to negotiate a roadside pick-up in another language). You can only use these to upgrade a comprehensive insurance policy.

Explore motoring in Europe (PDF 339 KB)

Car insurance for electric and hybrid vehicles

Plug into a brighter future with our car insurance for your electric and hybrid vehicles. And we’ll be by your side for every mile you take.

Explore our cover

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Our other types of motor cover

You can also find insurance for just a single car. An extra coating of cover to make sure you’re not stranded at the roadside. Or a policy that lasts until you peel off the L plates.

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Get a multi car insurance quote in minutes

Whizz through in less time than it takes to finish your cup of tea – and you’ll be a moment or two quicker if you have your vehicle registrations handy.

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What you need to get a car insurance quote

So that we can give you an accurate price, we'll ask for a few snippets of information, this includes:

Why choose us for car insurance?

Our cover has been given a 5 Star Rating by Defaqto. Their experts lift up the bonnet of our policies, and sift through every nut, bolt and washer – it’s not based on opinions or hearsay.

Multi car insurance FAQs

The answer is most likely yes if you're the main policyholder (sometimes known as the principal policyholder), who took out the insurance for each one. 

For every car or van, the principal policyholder can name a separate vehicle policyholder who drives it most often and benefits from the no claim discount. You can add named drivers for any of the vehicles too. 

Being a vehicle policyholder or a named driver on one vehicle doesn’t mean you can drive another vehicle on the same multi car policy. To be certain, a quick check of your policy documents will show who’s covered to drive each car or van.

Yes, the vehicles (up to five) should all be registered at the same address, which is where they should normally be kept. If this isn't the case for any vehicle, it won't be eligible for cover under the policy, or for the multi car discount.

No. When the no claim discount is in your name for two vehicles under your multi car policy, losing that discount for one car won’t affect the discount for another. 

We'll email or post you a renewal invitation around 30 days before your cover ends. You'll get a price for all the cars on the policy for the year ahead, and they'll all renew on the same day.  

The renewal price you receive will include your multi car discount.

Yes, you can add a named driver to any vehicle covered under a multi car policy with us.

Policy documents

If you already have insurance with us, you can rummage through all the documents and details for your policy in MyAviva.

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The 10% discount doesn't apply to Aviva Online, Aviva Premium or Aviva Zero car insurance, or on top of any other discount for having more than one policy with us.

Parts are covered for the length of the guarantee given by the part manufacturer or supplier. Wear and tear is not covered. You must keep your vehicle roadworthy.

This was how many drivers we covered as of February 2024.

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