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So how does all this relate to car insurance? Well, it’s simple really. In this day and age, the majority of households have two or more cars. Both partners will usually have a car for getting to work or taking the children to school in, while the children themselves, upon reaching 17, will doubtlessly also be clamoring for the freedom that comes with a set of wheels.
By the time you’ve factored in a dedicated work vehicle and one for an older relative who may also be staying in your household, that’s an awful lot of cars needing taxed, MOT’d and insured. The logistics of trying to keep on top of multiple policies, often made through different insurers and with different renewal dates, can be a nightmare. Although the act of paying for car insurance might never be a pleasurable one, it can be a painless one at least. How? By going to the supermarket and grabbing that eight-pint carton of milk, or as it’s known in the insurance world, by purchasing a multi-car policy.
As with all vehicle insurance however, there are a number of factors to bear in mind when applying for multi car insurance cover. Different insurers may have different rules regarding how many cars can be insured under one policy, as well as other details that may warrant consideration when seeking a quotation. Generally speaking however, it’s possible to insure up to five cars under one policy, provided they are registered to the same address. Quite where you’re expected to park five cars on a single property is another matter; perhaps the money you’ll save on taking out a multi policy could be put towards the construction of a quintuple-car garage.Although a multi car insurance policies can cover every vehicle in your household, that doesn’t mean it necessarily covers every householder to drive every car. Pleading ignorance if one of the children gets caught taking your work vehicle for a spin won’t cut it if they haven’t been named to drive that vehicle.
If family members are likely to use all the vehicles in your household from time to time, by all means get them covered across the board. In many cases however, it will make more sense to cover them for their primary vehicle only. There’s no point in engaging in some sort of vehicle-swapping relay with family members if it comes at the cost of an extra £200 being slapped on your policy.Losing your no-claims bonus on account of your own reckless driving would be hard enough to take, but how would you feel if you were penalised on account of a partner’s careless manoeuvre? Thankfully, most multi-car policies don’t work that way, but it’s worth checking out nonetheless, to avoid strained marital relations if nothing else. Of course, even cars that are permanently driven as if there were an instructor taking notes in the passenger seat won’t last forever.
It’s worth checking what your insurer’s rules are on changing vehicles when the time comes for an upgrade.Linking the renewal dates for all the vehicles that share a multi-car policy makes sense from an organisational perspective, but possibly not from a financial one. If you can’t stand the thought of being hit with renewal fees for all your vehicles at once, see if your insurer will allow for staggered payments instead – most will, but cumulatively you may end up paying more. Incidentally, what constitutes a ‘household’, for insurance purposes? In 21st-century Great Britain, the traditional nuclear family, while still common, is hardly as ubiquitous as it once was.Thanks to a multitude of flat-sharing, common-law living and civil partnering arrangements, it’s hard to define a typical household these days.
Most insurers seem to apply common sense in such situations; you’ll be relieved to hear that an authenticated family tree and DNA samples will not be required to confirm the veracity of your household. Cars don’t all have to be registered with the same owner, so provided you’re reasonable and don’t take liberties when filling in your details, there shouldn’t be any problems. By all means put your progeny on the same policy if they live with you, though incorporating your mother-in-law who comes to visit twice a year may be chancing your luck.
For the most part, however, multi-car insurance should save the average household money. Many families nowadays have two or more cars; if so, then by merging your various car insurance policies into one, you could save money. To find out if you could save money with multi-car insurance, why not request an online quotation? By comparing the prices of a range of insurers, you’ll soon find out what sort of savings you’ll make by switching to a multi-car policy. Because you’ll be paying one insurer to cover all of your vehicles, they will reward you with a discount in return for your business. This should prove to be good news for all of the drivers in your household – provided you choose to tell them about the saving you’ve made, of course, and don’t just pocket the difference.
Before taking out a multi-car insurance policy, check that all of the vehicles and drivers in your household are eligible. Some insurers will not cover a work vehicle on a domestic policy; others may have rules on whether or not all vehicles have to be registered to the same address. If you have a child who is away at university, some insurers will allow you to include their vehicle on your multi-car policy – even though they’ve flown the nest. When it comes to buying multi-car cover, shop around, do the math, read the small print and you could soon be saving money on your motor insurance.
Multi car insurance policies have already managed to save thousands of motorist’s cash on their annual premium. The thing is; the majority of people do not even know that they exist. These policies are designed for drivers that have more than one car in their household that they want to be insured on. By collectively insuring all of the vehicles, the individual will save up to 25% on their premium, which for many is the different between unaffordable and affordable!
Many people that choose to use a multi car insurance policy simply switch their standard policy to the multi car policy with their current provider. This is where drivers are generally spending much more cash than they really need to. There are hundreds of car insurance comparison websites out there, for a very good reason!
Car insurance comparison websites allow individuals to do a search based on their individual circumstances. The majority of people that use these websites suggest that they save significant amounts of cash within a matter of minutes, so they are certainly worth trying before using a current insurer.
Nowadays it is extremely common for a household to have more than one car in it. Most adults will have their own vehicle, simply to get to work, where as more and siblings now have their own vehicle as well. For a lot of households, having the option to be insured on all the vehicles in the household would certainly offer them a clear benefit. Thanks to multi car insurance policies, this is now possible!
When deciding which multi car insurance policy to choose, there are some key features that are worth highlighting first. The first feature and possibly the most important, is the type of coverage to choose from. All multi car insurance policies will offer consumers the chance to be covered at a comprehensive level, third party, fire and theft and of course, third party only. Generally speaking, comprehensive is going to be the option most people take, as it will cover all damages in the event of an accident, fire or theft.
There are plenty of other less significant features that help to make a policy that much more convenient. For example, does the policy that you are looking at offer break down cover? Does the policy include a courtesy car? Will the insurer offer a protected no claims bonus package for the driver?
These features will help a consumer save money in the event of a breakdown, accident, fire or theft, so they are worth taking into account before choosing a policy. Comparing and contrasting policies is essential to get the cheapest, but also the most suitable deal.