What is multi car insurance?
It’s a way of covering all your cars and vans at the same address, under one policy. Cover starts and renews on the same day for each vehicle, and you’ll just pay one premium – giving you a little less admin.
What are the benefits of Aviva Signature multi car insurance?
10% discount on additional vehicles
Get 10% when you add an additional vehicle to your policy. Insure up to five vehicles at the same address. Footnote [1]
Flexible cover, all under one roof
Although everything’s under one policy, you can tweak the cover for each vehicle – think different cover levels, excess and add-ons.
Each driver has their own no claim discount
If one driver needs to make a claim for their vehicle, this won’t affect any of the other drivers on the policy.
How to get multi car insurance
Aviva Signature multi car insurance is quick and easy to set up.
You insure one vehicle with us already
If you have already have car insurance with us and want to add a second vehicle, you can do this in a few minutes on MyAviva.
You insure two or more vehicles with us on different policies
We’ll combine your multiple policies into one neat and tidy bundle. Just give us a few details and we’ll do the rest.
You don’t have car or van insurance with us yet
If you want to move two vehicles across from another provider or have two new cars to insure, start by getting a multi-car quote.
Get in touch with us if you’d like to add another vehicle to your existing multi car policy.
How does multi car insurance work?
There are a few different ways we’ll set up your policy, depending on your situation.
- Add a second vehicle to your existing car cover and we’ll automatically start a multi car policy.
- If you have other cars or vans in your household, you can add each one when they come up for renewal.
- You can let us know which cars you want to add at any time. We’ll automatically add them to the multi car policy when they’re up for renewal. That way we’ll only charge you for the months they’re covered for.
- On the first car’s renewal date, all additional vehicles and drivers will renew on this date too.
What does Aviva Signature multi car insurance cover?
We offer two types of cover, comprehensive and third party, fire and theft. Third party, fire and theft is our minimum level of cover. Find out more about third party, fire and theft. We can't cover everything, but here's an overview of how much protection comprehensive cover gives you.
We’d also suggest you make sure you’re happy with what’s not covered by reading our motor insurance policy wording (PDF 233KB).
What’s covered by our comprehensive cover
- Loss or damage
Money towards a new car if someone steals yours, or we’ll arrange and pay for repairs if they’re needed after an accident or fire. The amount paid will be dependent on the market value of your vehicle. - What you owe others
If you injure someone, damage their vehicle or property in an accident, we’ll pay to put it right. - Uninsured driver cover
You won’t lose your No Claim Discount if you’re hit by an uninsured driver and it wasn’t your fault. We’ll also refund any excess you’ve had to pay. You’ll need to give us the details of the other vehicle and driver. - Vehicle recovery
If your vehicle's in no shape to drive after an accident or fire, we’ll deliver it to one of our approved garages. We’ll take you and your passengers home, get you where you’re going, or pay up to £500 towards the cost of an overnight stay or public transport. Geographical restrictions apply. - Driving other cars
We’ll cover you to drive someone else’s car if you’re 25 or over at the start of the policy, you’re the vehicle policyholder, and the vehicle owner has given you express consent. We’ll cover third party costs but not repairs to the vehicle. Subject to eligibility criteria. - Legal costs
We’ll contribute towards legal expenses resulting from an accident where you are found to be legally liable. - Motor injury protection
Cover for you, your partner or named drivers in case of serious injury or death from a road accident. £5,000 per person, per policy year. - Individual No Claim Discount
Build up a discount for each vehicle you insure on your policy when you steer clear of claims. - Hang on to your No Claim Discount
We won’t reduce your No Claim Discount if you make a claim for loss or damage that wasn’t your fault – such as incidents involving potholes, severe weather, flooding or animals.
What’s not covered
- Electrical breakdown
Including problems with the on-board computers – as well as electrical components. - Tyres
Any punctures, cuts or bursts – including those caused by braking. - Resale value
We can’t cover you for any loss in value of your car after repair.
Why choose us for Aviva Signature multi car insurance
No admin fees for making changes to your policy
No admin fees for making changes to your policy We don’t charge you for updating your personal details or changing your policy. You may have to pay a cancellation fee if you cancel your policy.
Our repairs guarantee
Our repairs guarantee Following a claim, we guarantee the quality of repairs made by our approved repairers for as long as you own the car – even if you change insurers. Footnote [2]
Manage your cover online
Manage your cover online It’s simple and easy to check, and update your policy details and make a claim with MyAviva. Just log in and you’re good to go.
Boost your insurance with optional add-ons
Protect your No Claim Discount
Make sure one claim doesn’t make years of hard-earned discounts disappear.
Motor legal services
This provides legal services and costs of up to £100,000 after a car accident where you did nothing wrong, and it's likely you'll win your claim to recover compensation. It covers you, your named drivers and any passengers.
Courtesy car
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 cover.
Motor Injury Protection Plus
£120,000 cover if you, your partner, or any named drivers are seriously injured or die as result of an accident in the insured car. It includes cover for physiotherapy after a motor accident. Only available on comprehensive cover. This is in addition to the £5,000 cover provided as standard with Comprehensive cover.
UK breakdown cover
Choose the level of cover you want, alongside your Aviva Signature Car Insurance or separately. Not available if you live in Northern Ireland. Footnote [3]
Use your car in Europe
Pack up your cover for a trip across the continent with Extended Foreign Use cover. You can also add European breakdown cover, so you're never trying to negotiate a roadside pick-up in another language. Extended Foreign Use is a separate cover option. Please see our Motoring in Europe guide for full details and eligibility. Only available with comprehensive cover.
Looking for something else?
We’ve got a range of motor insurance products – whether you’re still learning to drive, you only want to insure one vehicle, or you have an electric car.
Important documents
If you already have Aviva Signature car insurance, you'll find the documents for your policy in MyAviva.
We’d encourage you to read your Car Insurance important information document (PDF 103 KB) and your Car Insurance Product Information Document (PDF 71 KB). You can also check what’s covered in your Motor Insurance policy wording (PDF 369 KB) and learn about Motor cover limits (PDF 135 KB).
If you want to add breakdown cover to your policy, you can find out more in Breakdown cover terms and conditions (PDF 223 KB). We also have information to help you if you’re Motoring in Europe (PDF 339 KB). You can also find out more about us and About our insurance services (PDF 101 KB).
Get a multi car quote
So that we can give you an accurate price, we’ll ask you for this information:
- A little bit about you – your name, your date of birth and your address
- When you want your cover to start – anywhere from right now to within 60 days
- Who else will be driving – we’ll need details of any other drivers too
- How much cover you’ll need – which type of insurance and any add-ons
Why choose us for car insurance?
Over two million people protect their car with Aviva, as of July 2026. That’s a name you can trust.
If you already hold a qualifying Aviva policy with us, we'll give you a 10% discount on new Aviva Signature car insurance policies. Discount excludes optional extras. T&Cs apply.Footnote 4
We’ve got endorsement from experts.
We’ll get you back on the road. In 2025, Aviva repaired over 73,000 vehicles.
Multi Car Insurance FAQs
What level of Aviva Signature multi car insurance cover is right for you?
We offer two types of Aviva Signature car insurance cover. We've kept it simple. You can choose between comprehensive or third party, fire and theft cover.
Comprehensive car insurance
Comprehensive cover is a level of car insurance that covers you for more than just fire or theft, it will also cover you for accidental damage as well. With comprehensive cover, you also have additional benefits, and the option to explore additional add-ons.
Third party, fire and theft insurance
Third party, fire and theft is our minimum level of cover. It's there if you injure another person, or cause damage to their car or property. It also covers theft and fire damage to your vehicle.
For more information on what is and isn't covered by Third Party, Fire and Theft insurance, download our motor insurance policy wording (PDF 369KB).
Can I get multi car discount on any Aviva car insurance policy?
You can only use the 10% discount with policies you’ve bought directly with Aviva. But this doesn't apply to Aviva Motor Insurance policies (Aviva, Aviva Gold and Aviva Platinum) or Aviva Zero car insurance.
You can’t use the multi car discount on top of any other discounts, like our multi-product holder discounts.
Can I add electric cars to multi car insurance?
Yes, electric cars can be added to Aviva Signature multi car insurance policies.
Will I be able to drive all vehicles on the policy?
The answer is most likely yes, subject to underwriting, 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.
Do all the vehicles need to be at the same address?
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.
If another car on the policy has a crash, will it affect my no claim 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.
What happens at renewal?
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.
Can I add a named driver to my multi car policy?
Yes, you can add a named driver to any vehicle covered under a multi car policy with us.
Learn about motoring
Explore the details of car insurance at your own pace with our comprehensive reading list of articles.
Driving
Driving in bad weather
Top tips for tackling the dangers of driving in rain, snow, ice, wind and fog.
-
-
Car insurance
What happens when your car is written off?
A car write off doesn’t necessarily mean your car is going to the scrapyard, so check out the categories and next steps.
-
Driving
When did I pass my driving test?
How to find out the exact date you passed, and why you might need to know.
