Multi Car Insurance

Save 10% for every extra vehicle you add

Must all be registered at same address and optional extras don’t apply1

Get a quote Retrieve a quote
Aviva Car Insurance has been awarded an overall rating of 4.5/ 5from (1612 reviews) customer reviews

Here's what customers have to say about Aviva Car Insurance

TrustScore 4.5 / 5 from 1612 customer reviews on Trustpilot Read all 1,612 reviews for Aviva Car Insurance

What is multi car insurance?

Multi car insurance can give you what it takes to cover all your vehicles – both cars and vans – under one single policy. So, everything renews at the same time, and you only pay one renewal price. That means one set of paperwork, one renewal date, zero fuss.

And with our Multi Car Insurance, you’ll get 10% off for every additional car or van you add, not including optional extras and Aviva Online or Aviva Premium car insurance.1

Flexible cover

Cover that bends and twists any way you need thanks to the ability to choose different add-ons, cover level and excess for each individual vehicle.

Separate No Claim Discount

Each main driver keeps their own No Claim Discount, so if one vehicle bumps into the back of a bus, that accident won’t affect the others on the policy.

Uninsured driver cover

If an uninsured driver bashes your bumper or dents your door, and it’s their fault, we'll refund any excess you've paid. 2

How multi car insurance works

How multi car works depends on if you start with just one vehicle and add extra later, or if you jump in with multiple vehicles straightaway. You can buy cover for two cars online, but to insure three or more, you’ll need to contact us.

Start with one vehicle, add more later

When one of your vehicles is up for renewal, simply take out our Multi Car Insurance and let us know when your extra vehicles will be ready to add. Then when they’re up for renewal with their current insurer, call us to confirm you want them adding to your multi car policy. You won’t have to pay for your extra vehicles until their cover starts, and you’ll get a 10% discount for every one you tack on to your policy 1. At the end of the first 12 months, we’ll send you one multi car renewal invite covering all the vehicles.

Start with multiple vehicles at once

If you’ve already got multi car cover with someone else, you can shift everything across to our Multi Car Insurance when that existing policy is up for renewal. You’ll only have to pay one price, which will include your 10% discount for each of the extra vehicles 1.

If you’re already with us

If you already insure one vehicle with us and want to add another to jumpstart a multi car policy, you can do this in MyAviva.

If you want to add more than one extra vehicle, or you already insure multiple vehicles with us on separate policies, contact us.

Same policy, different options

Your vehicles may be part of the same multi car family, but they can still have their own unique personalities. You can pick different cover levels and different add-ons for each vehicle. Each main driver keeps their own No Claim Discount and continues to earn more for every year they don’t make a claim. If one driver makes a claim, the No Claim Discount of the other main drivers on the policy won’t be impacted.

What our Multi Car Insurance covers

For each car or van, simply choose between our Comprehensive or Third Party, Fire and Theft cover. And add optional extras to create cover that suits you.

Comprehensive Insurance

What’s covered

  • Loss or damage to your vehicle
    Cover if your vehicle is lost, stolen or damaged 
  • Your liability
    Cover if you injure someone or damage their vehicle or property in an accident 
  • Uninsured driver cover
    Cover if you’re in an accident with an uninsured driver that wasn’t your fault 2
  • Vehicle recovery
    If you have an accident we'll make your vehicle roadworthy with roadside repairs or cover up to £150 for accommodation or public transport
  • Driving other cars
    Cover for driving someone else’s car or van (if you’re aged 25 or over) 3
  • Motor injury protection
    Cover for you, your partner and named drivers for death or serious injury after a motor accident 

What’s not covered

Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:

  • 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

Take a look at our policy wording for full details on what's not covered.

Read our Motor Insurance Policy Booklet (PDF 498 KB)

What’s optional

Choose optional add-ons at an additional cost to create cover that suits you.

  • Breakdown cover
    Roadside assistance, Recovery, At Home and Onward Travel to add to your car cover 4. Not availabe if you live in Northern Ireland
  • Protected no claim discount
    Your premium won’t increase as a direct result of one claim when you renew
  • Motor legal
    Help recovering your compensation and financial losses after a motor incident which wasn't your fault 
  • Courtesy car
    Access to a replacement vehicle, with standard and enhanced options available
  • Foreign use
    Cover driving in most European countries
  • Motor Injury Protection Plus
    Injury cover and physiotherapy for you, your partner and any named drivers after a motor accident

Take a look at our Insurance product information document for more information about the add-ons available.

Read our Insurance product information document (PDF 82 KB)

Third Party, Fire and Theft

What’s covered

  • Damage to your vehicle
    Against loss or damage to your car or van due to fire, theft or attempted theft
  • Vehicle recovery
    We’ll make your vehicle roadworthy with roadside repairs or cover up to £150 for accommodation or public transport 5
  • Legal costs
    Cover for legal costs if you’re involved in an accident

What’s not covered

Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:

  • New vehicle replacement 
    Not covered with this option  
  • Medical expenses
    Cover for costs if you’ve been injured in an accident
  • Personal belongings
    Loss or damage to your personal belongings
  • Replacement locks 
    Locks, transmitters and immobilisers if your keys are lost or stolen
  • Replacement glass
    Repair or replacement of glass

Take a look at our policy document for full details of what’s not covered.

Read our Motor Insurance Policy Booklet (PDF 498 KB)

What’s optional

Choose from our range of optional add-ons at an additional cost to create cover that suits you.

  • Breakdown cover
    Get help with Roadside assistance, Recovery, At Home and Onward Travel to add to your Car Insurance 4. Not available if you live in Northern Ireland
  • Motor legal
    Help in recovering your compensation and financial losses following a motor incident which was not your fault
  • Protected no claim discount
    Your premium won’t increase as a direct result of one claim when you renew

Take a look at our Insurance product information document for more information about the extras available.

Read our Insurance product information document (PDF 82 KB)

Why choose us?

We're proud that our cover's 5 Star rated by Defaqto – a trusted industry expert.

Award logo - defaqto, expert rated, 5 star, car insurance 2022
  • It takes a name you can trust
    Over 1 Million people protect their car with Aviva 6
  • We’ve got heritage
    We’ve been protecting people like you for over 325 years
  • You can count on us
    In 2021 we repaired over 35k vehicles

Get a quote for Multi Car Insurance

How our claims process works

Whatever happens, we're here to help – online or over the phone.

Step 1

Let us know

Log in to MyAviva to make a claim online.

You'll need your policy number to start your claim – so it's a good idea to have this to hand.

If it is an emergency please call us anytime on 0345 030 6925

Step 2

Expert review

We'll take a look at your claim and work out how best to help you.

We’ll review any photos or documents you’ve sent us as part of your claim and ask you for details of anyone else involved.

Step 3

We’ll respond quickly

We'll get back to you as soon as we can to sort things out.

Depending on your cover, we'll organise repairs to get you back on the road. Or work with you to settle your claim if your vehicle can't be fixed. 

Ask our chatbot your questions

If you need help

If you’ve still got a question, find out how to get in touch on our contact us page.