What is multi car insurance?

Before you can get behind the wheel, you’ll need to insure your car to protect yourself and others on the road.

But, if you own more than one car, instead of having separate policies and covers for each car, you can add them all together, whilst keeping the customizations of each policy in one overall policy.

Want to know more about multi car insurance? Read on.

What does car insurance cover?

Before we look into multi car insurance, let’s first have a look at what car insurance covers, whether that be a single policy or a multi car policy.

There’s a wide range of covers that can be included within your car policy, as well as extra covers that can be added to your policy too.

Liability coverage is the minimum coverage requirement for most states, and it covers any damages to others if you’re involved in an accident where you’re liable.

Most car insurances cover the likes of damages caused by accidents, extreme weather, vandalism, fire, falling objects and so much more. However, it’s good to keep in mind that how you decide to build and customize your cover will depend on the protection you have.

As mentioned above, there are extras that you can add to your policy to provide you with additional cover if you feel you and your vehicle need it. This can include covers such as:

  • Collison coverage
  • Uninsured motorist coverage
  • Underinsured motorist coverage
  • Roadside assistance
  • Medical payments coverage (MedPay)
  • Personal injury coverage

What is multi car insurance?

Now that we know what car insurance can cover, and the additional covers we can add to customize policies to our needs, let’s now look at multi car insurance and what it entails.

With the name of this insurance type giving it away, a multi car insurance is the cover of multiple cars under one policy. This means, instead of having single car policies for each car you own, you’re able to put up to four cars under one policy.

A common misconception of multi car insurance is that you cannot customize your policy for each car within the multi car insurance, and that all cars under the policy must have the same coverage – this is incorrect.

A great thing about multi car insurance is the fact that all car coverages under the policy can be customized to suit the usage, needs and protection you want for each car. For example, you could have one car that’s fully covered with all the add-ons you need and want, and another car having the minimum requirement, all under the same multi car policy.

An added bonus with multi car insurance is havingone renewal date for all vehicles under the policy – no need to set policy end-date reminders throughout the year for multiple cars at multiple times.

How to take out multi car insurance

If you’d fill out a quote for single car insurance, you’ll need to fill out a quote form for multi car insurance too.

Simply add another car to your quote, to become a multi car insurance quote. On many insurance company sites, when you add another vehicle to your quote, you’ll automatically see the multi car discount applied. On other providers, you’ll need to hit ‘quote’ after filling out the form to see what discount you could achieve with multi car insurance.

Some providers will also state other terms and conditions for adding additional cars to your policy, such as the name of who owns the car, if they live in the same state or property as you, and so on.

Therefore, we do recommend that you check the varying terms and conditions or requirements of each car insurance provider, before you put your details in.

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