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. Add an extra car or van to your policy and enjoy a 10% discount on both the new vehicle and your existing one, starting from the date the additional vehicle is added. Discount applies to cover costs only, excluding optional add-ons. Footnote [1]
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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
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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
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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?
Adding a second vehicle in the way we’ve shown above will automatically activate a multi car policy.
If you add the new vehicle midway through your policy term, it’ll benefit from a whole year’s No Claims Discount (NCD) at renewal, provided it’s been on cover for 3 months or more and is claim-free in the last 12 months.
Cover for the second vehicle will run until your first car’s renewal date, and you’ll only pay for the days remaining until then. After that, both vehicles will renew on the same day.
Here's how to start a multi car insurance policy in two other scenarios:
You already insure two or more vehicles with us on different policies
We can arrange pulling the cover for them together on one policy.
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.
To add a third, fourth or fifth vehicle to your multi car cover, you’ll have to contact us.
Already insure a vehicle with us?
You can add another vehicle to your policy in a few simple steps;
- log in to MyAviva and find your policy
- select the Manage tab
- choose Make changes to your policy
- find option to Add another vehicle.
This applies only to Aviva Signature motor products.
Compare the levels of our motor insurance
Pick between two levels of cover for each car. Our Aviva Signature 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 Aviva Signature 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.
| Comprehensive Car | Third Party Fire and Theft | |
|---|---|---|
| Loss or damage Money towards a new vehicle if someone steals yours, or we'll arrange and pay for repairs if they're needed after an accident or fire Footnote [2] | Included The market value of your vehicle | Included The market value of your vehicle Fire and Theft only |
| What you owe others If you injure someone, damage their vehicle or wreck their property in an accident, we’ll pay to put it right | Included | Included |
| Uninsured driver cover 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. | Included | Not included |
| 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 | Included | Included Fire and Theft only |
| Driving other cars Cover for driving someone else’s car if you’re 25 or over at the start of the policy, you're the vehicle policyholder and the vehicle's owner has given you the green light. It covers any third party costs, but not repairs to the vehicle | Included | Not included |
| Legal costs We’ll put an amount towards any legal fees that might come about if you’re in an accident that you’re legally liable for | Included | Included |
| Motor injury protection Cover for you, your partner or named drivers in case of serious injury or death from a road accident | Included £5,000 per person, per policy year | Not included |
| Individual no claim discount Build up a discount for each vehicle you insure on your policy when you steer clear of claims | Included | Included |
| Hang on to your no claim discount If you claim for loss or damage through no fault of your own – such as in chance meetings with potholes, storms, flooding or animals – you’ll not wave goodbye to your no claim discount | Included | Not included |
| Electrical breakdown Should you have glitches with your on-board computers, and any other electrical parts | Not included | Not included |
| Tyres Any punctures, cuts or bursts – even if they’re caused by braking | Not included | Not included |
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.
Protect your no claim discount
Motor legal services
Courtesy car
Extra motor injury protection
Aviva Signature UK breakdown cover
European use
Aviva Signature car insurance for electric and hybrid vehicles
We’ll be by your side for every mile you take.
Our other types of motor cover
You can also find insurance for just a single car. Or a policy that lasts until you peel off the L plates.
Aviva Signature car insurance
Aviva Signature breakdown cover
Learner Driver insurance
Get an Aviva Signature multi car insurance quote in minutes
For two vehicles 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.
What you need to get an Aviva Signature car insurance quote
So that we can give you an accurate price, we'll ask for a few snippets of information, this includes:
- About you – just the usual, like 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?
Our Aviva Signature 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
Will I be able to drive all vehicles on the policy?
Do all the vehicles need to be at the same address?
If another car on the policy has a crash, will it affect my no claim discount?
What happens at renewal?
Can I add a named driver to my multi car policy?
Policy documents
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