Multi-car Insurance

Multi-car insurance can apply to anyone who is registered as living in your household, so anyone who resides at the same address and is a permanent UK resident. This makes it a useful option for families with older children living at home. For example, if both parents have a car each and their son or daughter also drives and owns a car that needs insuring, all three cars could benefit from multi-car cover.

Multi-car insurance isn't just for family members though - it can benefit housemates or friends living at the same address too.

Multi-car insurance covers at least two cars. RAC Multi-car insurance allows new and existing customers to insure up to three additional cars, and for every extra car that is included, customers will receive a discount of 10% off their premium.

Anyone who lives at the same registered address is eligible for multi-car cover, including family members, extended family members, friends and housemates. Provided a driver lives at that address and their vehicle is registered to the same address, they can be included.

That's the idea! One of the advantages of multi-car insurance is that you get a 10% discount when you insure other cars registered to your household. Not only that, if you're also an RAC Breakdown member you'll receive an extra discount on top, saving more money.

If your car is covered under multi-car cover, you can set a separate no claims discount bonus for each car included in the cover. That's important because it means if another member of your family has a bump or makes a claim, your no claims discount remains unaffected.

Multi-car cover is available to both new and existing customers, so if you're already insured with the RAC that's not a problem. –To arrange multi-car cover, just make sure you have your existing policy number to hand when you call 0330 159 1468.

Yes, to qualify for multi-car discounts all cars have to be registered to people living at the same address. This includes family, friends and housemates.

If you change your car during the period of insurance, and want your new vehicle to be included under your existing multi-car cover, you’ll need to contact us to update your details.