Multi-car Insurance

Save 10% on up to 3 additional cars*

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Multi car insurance

What is multi car insurance?

More than one car at home? With RAC multi car insurance, 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, the discount can be applied to up to three additional cars.

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. The key difference with multi car insurance is that we can offer you a discount for insuring multiple vehicles with us.

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

How much does multi car insurance cost?

The price of your car insurance will always depend on your individual circumstances – things like your age, your car, and your driving history. With multi-car insurance, you’re charged for each of the cars you want to insure, but all on the same policy. If additional cars are discounted, like with RAC Multi Car Insurance, this can work out cheaper overall.

How to get cheap multi car insurance

We appreciate how the little things can add up. So with RAC Insurance, we offer a 10% discount on every extra car you add to your policy.

Save 10% on extra cars

You can add up to 3 additional vehicles with your multi-car policy, saving 10% on each one.

Reduce household bills

It can be cheaper to have all your cars on a multi-car policy than to insure them individually.

Is multi car insurance cheaper for young drivers?

If there is a learner, young or new driver in your household, they might save more by taking out one of our specialist products. We offer learner driver insurance for one day, up to 5 months, to help you get valuable experience behind the wheel. And black box car insurance for young or newly qualified drivers which monitors how they drive. Safer drivers can save money on their premium when they renew. Know someone who’s taking their driving theory test? Download our driving theory app today.

How to get multi car insurance?

Our multi car insurance discount is available to new and existing customers wanting to insure up to three extra cars with the RAC.

Step 1:

Once you have your single car insurance policy, call us on 0330 159 1468 to set up your multi car discount. If you buy insurance for extra cars separately, you won’t be able to get the 10% discount.

Step 2:

Give us the policy number that’s in place at the current address.

Step 3:

We’ll apply the discount and set up the cover for your extra cars. You’ll be able to access the policy documents for your new vehicle from MyAccount.

What are the benefits of multi car insurance?

As well as a 10% discount* for up to three cars, there are a whole host of other benefits for taking out our multi car insurance:

Get a separate no claims discount for each car

Your no claims discount won’t be affected if another policyholder has a scrape**

Let friends, family and housemates benefit from the discount

As long as you all live at the same address, you can get the saving.

Keep your renewal date

Every car you add to your multi car insurance policy can keep it’s own renewal date

And if you don’t already have your breakdown cover sorted, it’s worth adding a multi car breakdown cover policy at the same time. So you can get peace of mind on the road for all the drivers in your household.

Defaqto 5 star car insurance

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

Plus we are the Moneyfacts Car Insurance provider of the year 2022.

Get a phone quote 

What our members are saying

The website was easy to manoeuvre through and the transaction was complete in a matter of minutes. I am not the best on the computer but found it quite easy

Mr D D, Newport

Within 5 minutes I changed my registration plate to a private plate, renewed my policy and got it cheaper than last year. Great customer service. A polite, knowledgeable representative

Mr D F, Warrington

Expectations were exceeded. At no time did I feel pressurised, my needs were listened to and clarification was given whenever I asked for it

Mr D R, Hampshire

Best online insurance company I've ever used

Mr M K, Arlesey

Generally a quite simple experience taking out the insurance policy online. Help was available throughout if required. Insurance documents available immediately for downloading and printing

Mr V H, London

Cheapest quote.....easy access to policy and helpline at any time

Mrs E B, Immingham

Been insured with the same company for 12 years so I know RAC and I have faith in you 

Mrs J S, Birmingham

Easy - changed my car mid year took me 5 minutes – simple

Mrs N B, Biggleswade

Straight forward process - particularly liked the fact I could upload no claim verification documents instead of having to supply by post

Ms B M, Rutherglen

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

Am I eligible for multi car insurance?

To get multi car insurance you need to have an existing car insurance policy with the RAC. Once it has started, you can then add cars to your policy and get your multi car discount. All cars on the policy must be registered at the same address. You must also meet the criteria below. You can find full details in the policy wording.

As the driver, you must

  •  Be aged over 18
  •  Hold a full, valid UK driving licence 
  •  Have a current permanent address
  •  Your registered address must be the same as the original RAC Car Insurance policy holder

Your vehicle must

  •  Be registered at the same address as the original policy holder

Multi car insurance FAQs

Q. How does multi car insurance work?

Multi car insurance can apply to anyone who is registered as living in your household. You can add up to three extra cars, as long as the driver of each car lives at the same address and is a permanent UK resident.

This makes it useful option for families with older children living at home. For example, if you and your partner have separate cars, and you have two children with cars that need insuring, you could add your partner’s and your children’s cars to your policy and get a discount on each extra car.

Multi car insurance isn’t just for family members though. It’s also great for friends or housemates living at the same address too.

Q. Does multi car insurance work out cheaper?

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.

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. How does multi car no claims discount work?

Each car is entitled to its own separate no claims discount (NCD)**. This means individual drivers can continue to build on their NCD, even if one of the other drivers does make a claim. And you can take your discount with you if you choose to switch insurers.

Q. Can you change car insurance to multi car insurance?

Multi car insurance is available to both new and existing customers, so if you’re already insured with the RAC that’s not a problem. You can add multi car cover to your insurance at any time. Just call 0330 159 1468 and make sure you have your existing policy to hand.

Q. Can you have multi car insurance at different addresses?

No, to qualify for multi car insurance discount, all cars must 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.

Q. Can cars be removed from multi car insurance?
Yes, you can remove cars from your multi car insurance policy at any time. However, the discount will only apply for every year that you have two or more cars registered under the same RAC Car Insurance policy and at the same address. The discount won’t apply if there are less than two cars registered under the same RAC Car Insurance policy, such as if a car is removed or you choose not to renew.
Q. Can you have a van on multi car insurance?

Yes – just as long as your van is under 3.5 tones and 6.4 metres long, and you don’t use it for business (including carrying tools to work).

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*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.

**No Claims Discount (NCD) is individual to each main driver and their vehicle covered under the policy.

Any claim made on a vehicle covered under the policy will be recorded against the policyholder, and may need to be declared by the policyholder to a future insurer. Any accident involving a driver covered under the policy may need to be declared by that driver to a future insurer and may impact the drivers NCD.

††Based on UK resident buying a single trip policy to cover 10 days car rental in Europe.

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 is arranged and administered by BISL Limited, which is an independent intermediary. Registered in England no. 3231094. Registered office: Fusion House, Katharine Way, Bretton, Peterborough, PE3 8BG. Both companies are authorised and regulated by the Financial Conduct Authority.

RAC Car Insurance is arranged and administered by BISL Limited. All other products are arranged and administrated by different partners. For full information about the product you are looking for, please select from the main menu at top of this page.

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