Multi-car Insurance

Save 10% on up to 3 additional cars*

Multi-car Insurance

More than one car at home? With RAC multi-car, households that insure more than one car with us can benefit from a 10% multi-car discount. Anyone who lives in the same house as you may be eligible to be covered by multi-car cover, whether they're your spouse, son, daughter or housemate, the discount can be applied to up to three additional cars.

Get 10% discount when you insure additional cars in your household*

Defaqto 5 Star Rated Car Insurance Plus

Separate no claims discount for each car

What is multi-car insurance?

Multi-car insurance covers several vehicles. If your household owns more than one car it could be worth taking out multi-car insurance as RAC offer a discount.

Our multi-car insurance can cover all vehicles at a single property, and just like our standard car insurance, you can choose your level of cover – Third-party fire and theft, Comprehensive, or our 5-star RAC Car Insurance Plus . You can compare the benefits of each level here . The key difference with multi-car insurance is that we can offer you discount for insuring multiple vehicles with us.

Why choose RAC Multi-car Insurance?

Cover for the whole family with 10% RAC Multi-car discount*

If you have up to 3 additional cars in your household you could save with multi-car insurance. For every additional car in your household you insure with us, you’ll receive a 10% discount off the premium.

  • Separate no claims bonus for each car - so yours won’t be affected if another policyholder has a scrape
  • Friends, family and housemates can benefit from discount - as long as you all live at the same registered address
  • Keep your renewal date - Every car you insure can keep its own renewal date
  • 5 Star rated cover –  RAC Car Insurance Plus has been awarded 5 stars for five years running by independent financial research company Defaqto

How to get a multi-car discount

Our Multi-car discount is available to new and existing customers wanted to insure up to three additional cars with the RAC. To take advantage of the 10% Multi-car discount*, please call 0330 159 1468 and provide us with the policy number of the policy already in place at the address.

Our Levels of Cover

RAC Comprehensive Car Insurance

Defaqto Five Star Rating

5 Star RAC Car Insurance Plus

Courtesy Car as standard (subject to availability and eligibility)



Motor Legal Protection cover included for the first 12 months^



Repairs guaranteed for 3 years at approved garages



Uninsured driver promise



Replacement locks



Vandalism cover



What our members are saying

Great service and the RAC found me the best deal.

Mr Y - Newcastle

Dealing with RAC insurance is a revelation compared to our last insurer. RAC gets top marks.

Mr W, Falmouth

You cannot improve on perfection.

Mrs P, Llantwit Fardre

I was pleased to get extra discount for having breakdown cover.

Miss A - Leicester

Compare the benefits each level of cover offers


View all the optional extras available when you buy RAC Car Insurance


All the information you need to retrieve a quote, amend your policy or make a claim

We also offer

Our comprehensive Car Insurance Plus is packed with features and benefits and has a Defaqto 5 Star Rating.


RAC Home Insurance provides protection for your property, both inside and out.


Our Travel insurance can cover you for single trips or annual multi-trips, each with 3 levels of cover available.


5 Star Car Insurance

RAC Comprehensive Car Insurance Plus has been awarded a 5 star rating by Defaqto.

Frequently Asked Questions

Q. Who is multi-car insurance for?

Multi-car insurance can apply to anyone who is registered as living in your household, so you can add up to 3 additional cars where the driver 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.

Q. How many vehicles can multi-car cover?

Multi-car insurance covers at least two cars. RAC Multi-car insurance allows 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.

Q. Whose vehicle can be included on multi-car cover?

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.

Q. Will multi-car insurance save me money?

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.

Q. How do multi-car NCDs work?

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.

Q. What if I'm already insured with RAC?

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.

Q. Do the vehicles have to be at the same address?

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.

Q. What happens when I change my car?

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.

* Multicar discount: Terms & Conditions:

  1. The 10% multicar discount will be applied to the insurance premium of up to three additional cars added to an existing RAC Car Insurance policy, excluding additional products, add-ons, fees and charges.
  2. The additional cars must be registered to the same address as the existing RAC Car Insurance policy. 
  3. The discount is only valid on quotes and purchases made by calling RAC Car Insurance direct on 0330 159 1468  and you must provide the existing RAC Car Insurance policy number that the additional cars are to be added to prior to getting a quote and making your purchase. 
  4. Quotes and purchases acquired through price comparison sites, cash back sites or the website are excluded and the discount will not apply. 
  5. The discount will apply for every year that there are 2 or more cars registered under the same RAC Car Insurance policy and at the same address. The discount will not apply in the event there are less than 2 cars registered under the same RAC Car Insurance policy, such as if a car is removed or you choose not to renew.
  6. If you cancel your policy mid-term and there are no longer at least two cars on the existing RAC Car Insurance policy, we reserve the right to reclaim the value of the discount that was applied.
  7. This offer applies to RAC Standard Car and RAC Car Insurance Plus policies only.  
  8. No cash or other alternatives are available.
  9. The provision of insurance is subject to underwriting criteria. For full details of the policy terms and conditions, please refer to your policy documents. Your premium will depend on your circumstances and the level of cover you choose.
  10. This offer may be withdrawn at any time.

^ Motor Legal Protection. This offer applies to new RAC car insurance customers for the first year only, unless you are an RAC member then this offer is also available at renewal of your existing RAC car insurance policy. Motor Legal Protection is attached to the car insurance policy and will end if and when the car insurance policy ends. The offer cannot be transferred to any other policy and there is no cash equivalent available. We reserve the right to amend or withdraw this offer at any time.

RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Car Insurance and RAC Home Insurance are arranged and administered by BISL Limited, which is an independent intermediary. Registered in England no. 3231094. Registered office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. Both companies are authorised and regulated by the Financial Conduct Authority.

© 2018 RAC Motoring Services. All rights reserved.