What is multi-car insurance?
Multi-car insurance is when you have two or more vehicles insured with the same insurance company. Taking out this type of cover often works out cheaper than taking out insurance with two different providers. Plus, as all your policies will start on the same day, taking out this kind of policy helps you more easily organise your motor insurance.
At Adrian Flux, we offer multi-car insurance for all types of vehicles, whether you own a van and a car, a classic 4×4 and a modified car, or a whole collection of vehicles.
How does multi-car insurance work?
Simply give us a call, let us know a bit about your vehicles, and we’ll do the rest. You can get multi-vehicle insurance even if you’ve already insured a car with us – or it’s your first time taking out cover and want to insure multiple vehicles immediately.
Get a Multi Car Insurance Quote
Can I get different cover for my different vehicles?
Yes, as a specialist insurance broker, we cover all types of vehicles and therefore know how important it is to get cover that reflects that way you use your various cars.
For instance, you can get fully comprehensive cover for one vehicle and third party only cover for another, or agreed value cover for your classic car and a standard policy for another.
Is multi-car insurance cheaper?
We offer significant discounts for those who insure multiple vehicles with us.
Insuring a second vehicle can save you up to 50% off each additional vehicle compared to insuring them separately as we may be able to negotiate extra discounts. This includes “mirroring” the no claims bonus you’ve got on another vehicle.
Multi-car insurance normally works out cheaper than insuring multiple cars with different companies, especially if you’re insuring more vehicles than there are drivers on the policy. This is because we know that not all cars will be driven at the same time.
Can you have multi-vehicle insurance at different addresses?
The same up-to-date correspondence address should be used no matter where you keep your cars, but we can cater to those who need to leave their cars at different addresses. Whether you leave a car at your UK-based holiday home or your kit car at a garage down the road, we can provide tailored cover to suit you.
Get a Multi Car Insurance Quote
What kinds of vehicles can I take multi-car insurance out for?
Here are just some examples of when this type of policy can help:
- A simple dual car insurance policy covering your daily driver and a classic or exotic weekend car.
- A family car insurance plan covering all the cars and motorcycles in a family, all linked by at least one driver. The family can gain extra discounts for each car added to the family fleet, and also benefit from being able to set different levels of excess depending on the driver or rider.
- Insurance for large collections. For example, a tank collector with 40 historic ex-army vehicles could pay from as little as £20 per vehicle.
Extra Benefits
Agreed Value
Agreed Value Car Insurance
Owning a car that you really care about makes it all the more important to get proper compensation should you need to make an insurance claim. Our agreed value car insurance is a great way of tailoring your insurance to you.
A wide range of vehicles, from classics and performance cars to modified cars and imports, would benefit from guaranteed value car insurance. Phone us now to see if your car is one of them.
Company Car NCB
Company Car No Claims Bonus
Many insurers are unwilling to accept bonuses earned in company cars on private car policies, which can leave drivers unfairly paying over the odds for insurance, despite their many years of claim-free driving.
At Adrian Flux, we work with insurance companies that accept company car no claims bonus to help you get a fair deal on your private car insurance.
Once we receive confirmation from your employer or ex-employer of how many years company car insurance no claims bonus you earned, we can apply an equivalent discount to the insurance quote for your own car.
Excess Protect
Excess Protect
Even though having the right insurance can save you money when you need to claim, your policy excess could still run into hundreds of pounds.
Our excess protect policies will pay your excess for you, up to an annual limit, if you need to make a claim on your policy – saving you money.
The amount of excess you have to pay depends on your policy and can be found on your policy documents. If you opted for a voluntary excess this is an extra amount on top of your compulsory excess, which can bring your premiums down, but is payable on top of your compulsory excess when you make a claim.
We offer excess protect cover at different levels to suit your policy. Speak to a member of our team to find out more and to add it to your policy.
Breakdown
Flux Rescue Breakdown Cover
Get comprehensive breakdown cover from just a year that offers 24 hour UK and EU roadside assistance and recovery, 365 days of the year.
With cover provided for breakdown and recovery, transport to your home, destination of choice, or a garage for you and five passengers, emergency accommodation expenses, home start service, and breakdown cover for your caravan or trailer too, you can get fantastic protection without breaking the bank.
Our breakdown helplines are open 24 hours a day, 365 days of the year, and we have a network of more than 1,800 breakdown experts across Europe, so you’re only ever one phone call away from help.
Keycare
Keycare Insurance
If you’ve ever lost your keys, you’ll know that it’s no laughing matter, and can in fact end up costing you a lot of money in locksmith fees.
For just a year, our five-star Keycare insurance policy will cover locksmith expenses, replacement locks and keys, car immobiliser replacement costs, car hire costs, and transport costs if you’re stranded, up to a value of £1,500.
We’ll pay out if your keys are stolen, locked inside your home or vehicle, or lost for 48 hours. Better yet, your keys are protected regardless of your location; we now cover keys worldwide.
For more information and to add Keycare to your policy, speak to a member of our team today.
Misfuel
Misfuelling Insurance Cover
A staggering 400 people every day put the wrong fuel in their car – that’s 150,000 people every year!
The damage caused by filling your car or van up with the wrong fuel can be catastrophic, and lead to hundreds, if not thousands, of pounds worth of repairs being carried out.
With misfuel cover, as long as you’ve realised your error before driving away we’ll cover draining the fuel from your car, tow you to a garage if we can’t help at the pump, and provide £10 of fuel to get you on your way again.
Public Liability
Public Liability Car Insurance
Protect yourself from liability costs with our public liability car insurance, available from . Ideal in the event you or your vehicle damages someone else’s property or causes accidental bodily injury.
Public liability car insurance can protect you should you:
Display your car in a car show or exhibit: give us a call if you regularly attend and exhibit in car shows and you require legal cover.
Work as a driving instructor: we offer driving instructor insurance for ADIs and PDIs. Public liability cover can be added to your insurance with little extra fuss.
Work as a courier: you can easily add public liability cover to your self-employed courier van insurance.
Spare Parts
Spare Car Parts Insurance
Whether you own spares for your kit car or are in the process of modifying your day-to-day motor, are collecting parts for a future mod or have just got a few old spares lying around, your standard insurance policies could be leaving your vehicle spare parts dangerously unprotected.
Sadly, most household insurance policies exclude cars and their unattached parts, and even those that do offer cover could end up costing you dearly with high excesses and the premium rises after a claim.
But, with Adrian Flux’s Spare Parts Insurance, you can get cover for storing thousands of pounds worth of spares at home or in your car from as little as .
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
Why choose Adrian Flux for multi-car insurance?
Discounted price
No need to worry about finding an affordable policy to cover each of your vehicles individually. The more vehicles you add, the bigger the discounts.
Save time and effort
You’ll only have to give us your personal details once and you can add as many vehicles as you need.
Flexibility
Each car can have its own excess and add-ons, meaning you get tailored cover for each vehicle. We can save you money or provide the highest level of cover depending on your needs.
No hassle
You won’t need to compare insurance quotes for each vehicle as we can give you one affordable quote.
Wide range of vehicles covered
From classic cars and campervans to motorbikes and vans, if you’ve got it, chances are we can find a multi-vehicle insurance policy to cover it.
Add-ons
You can add extras to your multi-car policy, such as keycare, toolkit cover and Flux Rescue breakdown cover.
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
What can my multi-car insurance policy include?
At Adrian Flux, we offer cover that can be tailored to suit your needs and each individual vehicle. Our policies can include:
- Extended EU cover: All policies come with European cover, with the option to extend this for longer periods
- Flux Rescue European breakdown cover: includes home start, recovery and relay, and up to 60 days’ extended cover in most EU countries
- Agreed value: many insurers will only pay out the ‘market value’ of your vehicle if you suffer a total loss. We can assess your vehicles and agree cover for their true value so you won’t get a nasty surprise if you need to make a claim
- Like-for-like cover for vehicle modifications. As specialists in modified vehicles, we’re open to a wide range of car mods
- Cover for driving other cars: we offer comprehensive cover on other cars, giving you greater flexibility when you need it
- Free legal cover: all vehicle policies include up to £100,000 worth of legal expenses cover
Get a Multi Car Insurance Quote
FAQs
Can I get classic multi-car insurance?
Yes, we offer this type of cover for all vehicles, whether you own two cars and a van, a modified car and a classic, or you have a whole collection of vintage cars. And as an insurance broker, we specialise in insurance the “uninsurable,” making us specially equipped to insure your unique classic.
Is multi-car insurance cheaper for young drivers?
Car insurance for just one car under a young driver’s name is expensive, and cover for multiple can be even more so. Taking out a multi-car insurance policy is usually the cheapest way of insuring multiple cars.
Can I get multi-car insurance as a young driver?
Yes, just let us know about your situation. Whether you use a couple of cars for work or you’re a car enthusiast and already own a few classics, we always try to provide cover, no matter your situation.
Can I get multi-car insurance as a convicted driver?
Yes, we offer convicted and fairplay insurance, so whether you have driving or criminal convictions, let us know.