What is multicar insurance?Off
Multicar insurance, as the name suggests, is cover designed specifically for people with more than one car.
So, if you and your partner both have a car, you’ve just given your old car to one of your kids who’s just passed their test and bought a new one for yourself, or you’ve ended up with more than one car at home (you might have a lodger, for example) you should consider getting a multicar policy.
How does esure Multicar Insurance work?Off
If you’ve got two or more cars at home – and you insure them all with us directly rather than via a price comparison website – you could save money. And to stop things from getting confusing, all the cars will have separate policies (and policy numbers) as well as separate renewal dates.
Here’s what you can look forward to:
- A Multicar discount
You, your partner or anyone over 25 living at the same address are eligible for a Multicar discount on all vehicles once you’ve insured two or more of them with esure.
- Guaranteed quotes
Never mind when a policy renews, we can still give you a quote today and guarantee it for up to 12 months subject to the details not changing.
- Individual policies
The policies are kept separate, so if you make a claim on one policy, it won’t affect the No Claim Discount on the other.
Frequently Asked QuestionsOff
Is getting multicar insurance cheaper?
Generally, multicar policies can be cheaper. At esure, we offer a discount on all your cars once you insure two or more of them with us directly and not a via price comparison website. So, if you’re considering insuring cars with us separately, our Multicar discounts may make insuring them together cheaper.
Can I insure 2 cars in my name?
Yes. If you own two cars and are the primary driver for both, you can insure both of them in your name. Just be sure that the primary driver is genuinely the main user of the vehicle, rather than any named drivers.
Will I be able to drive all the cars on the Multicar policy?
Will I be able to drive all the cars on the Multicar policy? It all depends. If you insure all the cars in your name, then you’re allowed to drive all of them. However, if you only insure one car in your name, you can only drive the other cars if you are added as a named driver
Do the cars need to be kept at the same Address?
Yes. To be eligible for our Multicar Insurance all of the cars must be kept where you live.
Do I have to be married to get esure Multicar Insurance?
In a word, no. You can be on our Multicar policy with a partner or anyone else over 25 who lives with you. Better still, if your partner’s under 25, they can still qualify for our Multicar Insurance.
Can I add a Van to my esure Multicar policy?
It depends. Even though we don’t insure commercial vans, you can add a van to your Multicar policy if it’s one of the models we insure – you can check here.
What happens to my renewal dates with an esure Multicar policy?
They’ll be kept separate is the short answer. That way you can insure your cars at different times.
Can I add Named Drivers to my Multicar policy?
Yes, you can add up to three named drivers to any of the cars you insure with us.
Can I insure my personal car and work vehicle on a Multicar policy?
Yes you can. When getting a quote, please choose the class of use that best describes how you’ll use the cars. The class of use categories are:
• Social, Domestic and Pleasure
• Social, Domestic and Pleasure + Commuting
• SDP&C and Business use by you
• SDP&C and Business use by you and a spouse or partner
• SDP&C and Business use by you and another driver
• Commercial use
So, if you use one car to drive around town, visit friends or for the school run, it may be best to choose Social, Domestic and Pleasure. And if you use another car mainly for business, you may want to pick from the 3 options that fit best (or commercial if that’s more accurate).