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
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).
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
|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.
|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 |
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
|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
|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
|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 |
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
|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
Extra motor injury protection
UK breakdown cover
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 environmentally friendly 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.
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:
- 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 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?
Get support right away
Car insurance articles and guides
We hold a magnifying glass up to some of the details around your cover – and driving in general.