Can I insure 2 cars in my name?
Learn more about multi car insurance and how you can find more savings and less hassle parked on your drive.
Yes! This is often called ‘multi car insurance’ and covers households with more than one vehicle. This means you can have more than one vehicle, and up to five in total, that are registered at the same address on one policy.Footnote [1]
You’ll also save 10% on each added vehicle and, although that won’t stretch to optional extras, it means saving time messing around because your vehicles are all under one policy. But this doesn't apply to Aviva Online, Aviva Premium or Aviva Zero car insurance, or on top of any other discount for having more than one policy with us.
Options for insuring two cars
If your cars have different uses, then you may appreciate some choice in insuring your cars.
You'll pick between two levels of cover for each of your vehicles, Comprehensive or Third Party, Fire and Theft. You can also select different excesses and add-ons.
Here's what each includes:
| Comprehensive Car | Third Party Fire and Theft | |
|---|---|---|
| Loss or damage If your vehicle is lost, stolen or damaged we will repair your vehicle, or pay you a cash amount equal to the loss or damage Footnote [2] | Included The market value of your vehicle | Included The market value of your vehicle Fire and Theft only |
| What you owe others If you injure someone, damage their vehicle or property in an accident, we’ll pay to put it right | Included | Included |
| Uninsured driver cover If your vehicle is involved in an accident caused by an uninsured motorist, we'll refund any excess you've paid. You’ll need to provide us with details of the other vehicle and driver | Included | Not included |
| Vehicle recovery If your vehicle’s in no shape to drive after an accident or fire, we’ll deliver it to one of our approved garages. We'll take you and your passengers home, get you where you're going, or pay up to £500 towards the cost of an overnight stay or public transport. Geographical restrictions apply. Onward travel arranged on comprehensive cover | Included | Included Fire only |
| Driving other cars Cover for driving someone else’s car if you’re 25 or over at the start of the policy, you're the vehicle policyholder and the vehicle's owner has given you express consent. It covers any third party costs, but not repairs to the vehicle | Included | Not included |
| Legal costs We’ll put an amount towards any legal fees that might come about if you’re in an accident that you’re legally liable for | Included | Included |
| Motor injury protection Cover for you, your partner or named drivers in case of serious injury or death from a road accident | Included Up to £5,000 per person, per policy year | Not included |
| Individual no claim discount Build up a discount for each vehicle you insure on your policy when you steer clear of claims | Included | Included |
| Hang on to your no claim discount If you claim for loss or damage through no fault of your own – such as in chance meetings with potholes, storms, flooding or animals – you’ll not wave goodbye to your no claim discount | Included | Not included |
| Electrical breakdown Should you have glitches with your on-board computers, and any other electrical parts | Not included | Not included |
| Tyres Any punctures, cuts or bursts – even if they’re caused by braking | Not included | Not included |
Customise your insurance to your needs. As optional extras you could also have the following in the table below. Please note that the discount doesn't apply to optional extras.
| Optional extra | What it covers | Available for Comprehensive? | Available for Third party, fire, and theft? |
|---|---|---|---|
| UK breakdown cover | This includes roadside help, recovery, at home and onward travel | ||
| Protected No Claims Discount | Protects your No Claim Discount (NCD) from the impacts of a claim. In addition, with our optional PNCD cover we guarantee that your premium will not increase as a direct result of one claimFootnote [3] | ||
| Motor legal | This gives an expert legal helping hand and costs of up to £100,000 to recover compensation after a car accident, when you did nothing wrong. It covers you, your named drivers and any passengers. You’ll only get this support if it’s likely you’ll win your claim against the person responsible. It also provides up to £10,000 for lawyers’ costs to defend you against prosecution for a motoring offence | ||
| Courtesy car | Getting a replacement vehicle if yours is damaged, stolen or written off. This is available for the duration of repairs at an approved reparier | ||
| European use | Having cover when driving in most European countries | ||
| Motor injury protection plus | Cover for serious injury or death, plus physiotherapy for you, your partner, and any named drivers after a motor accident, subject to significant restrictions. This includes monetary limits and physiotherapy. |
Limitations and exclusions apply, so make sure to check out the details for multi car insurance.
How does multi-car insurance work?
This depends on your current cover. You could take out a new policy for two cars at once or add an extra vehicle to the cover you already have, although, you won’t be able to do this with Aviva Online, Aviva Premium car insurance or Aviva Zero car insurance. Footnote [1]
If you’d like to have more than one car on your policy, your cover will start and renew on the same day for each vehicle with one price for them all. If a vehicle is added after the start of the policy, it's start date won't be the same until renewal.
If you already insure one vehicle with us, adding a second will automatically start a multi car policy. Here are the steps:
- Log on to MyAviva
- Choose the make a change option
- Scroll down to add another vehicle
If you don't have a car insured with us yet, grab a no obligation quote. Make sure to have this information on hand:
- Your basic details – name, date of birth, address, email, and phone number.
- Vehicle details – registration number, how many miles you expect the vehicle to drive in the next year, modification, how you’ll use the vehicle, and when you need the cover to start
- Driver details – driving license, driving history, convictions, claims, employment
- Additional drivers – information on any additional drivers to be covered
- Modifications – any modifications made on the car.
Get a quote
Once you’re ready with your information, you can find out more on our car insurance page.
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