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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

  • Start a new policy online with two new vehicles - cars or vans
  • Add another vehicle to your existing car insurance with us
  • Up to five vehicles in total on one policy
Aviva Car Insurance has been awarded an overall rating of 4.5/ 5 from (1633 reviews)
Aviva Car Insurance has been awarded an overall rating of 4.5/ 5from (1633 reviews) customer reviews

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.

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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.

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.

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.

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]  


The market value of your vehicle


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  


Fire 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


Up to £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
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

UK breakdown cover

European use

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.

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.

Car Insurance

Explore Car Insurance

Breakdown Cover

Explore Breakdown Cover

Learner Driver Insurance

Explore Learner Driver Insurance

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:

  1. About you – just the usual, like your name, your date of birth and your address
  2. When you want your cover to start – anywhere from right now to within 60 days
  3. Who else will be driving – we’ll need details of any other drivers too
  4. How much cover you’ll need – which type of insurance and any add-ons

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.

  • It takes a name you can trust
    Over 1 million people protect their vehicle with us Footnote [3] 
  • You can count on us
    We've been insuring cars for over 100 years
  • We’ll get you back on the road
    In 2023 we repaired over 31,000 vehicles
Defaqto 5 Star rated car insurance logo

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?

See all motor FAQs "view all motor frequently asked questions"

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Car insurance articles and guides

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