Multi car insurance

Our multi car insurance could save you over 20%

For new annual policy customers buying via the same channel: 12.4% would have saved 20% vs. multiple single policies Apr – Jul '20, and cheapest, like-for-like price quoted when all cars added upfront.

Get a multi car quoteYour saved multi car quote

Why choose LV=?

More than one car? We can handle that

How does multi car work?

Simple to manage with plenty of benefits... Here's what you'll like about our multi car cover

Excellent price for our multi-car policy and easy to assign drivers to each vehicle.
  • All cars on the policy must be registered at the same address
  • You can set future start dates for the extra cars, making it easy for you to add cars when you need 
  • If you tell us when you'd like other cars on the policy to start, we'll guarantee the price you pay
  • Better still, each no claim discount holder will have their own no claim discount!
  • There can be a maximum of 6 drivers per vehicle and a maximum of 12 drivers on one policy
Excellent price for our multi-car policy and easy to assign drivers to each vehicle.

What's covered?

So, what can we protect you from?

  • Accidental damage cover
    Scratched or dented your cars? It happens. We’ll pay for repairs to make sure they’re in the same condition as they were before the accident.
  • Uninsured driver promise
    If the other driver is not insured and the accident’s not your fault, you’ll keep your no claim discount and there's no excess to pay. We’ll just need the details of the other vehicle and driver from you.
  • Misfuelling cover
    Accidentally filled one of your cars with the wrong fuel? It happens. We’ll pay to drain and flush your fuel tank and cover any damage to your car's engine.
  • European cover
    Heading to Europe? Get the same level of cover as you have in the UK, in the EU for up to 180 days a year. Need a Green Card? To apply, fill in this application.
  • Vandalism promise
    If your cars are vandalised and you have to claim, you'll keep your no claim discount – we’ll just need you to pay your excess.
  • Replacement child car seats
    We’ll replace your child car seats if your car has been in an accident – even if there’s no apparent damage.
  • New locks and keys 
    If your keys are lost or stolen, we’ll sort it.


What's not covered...

  • Any drivers who aren't named on the policy
  • Damage to any car you're driving that's not the car you've insured with us
  • If the car's stolen when the keys were left in the ignition, the engine was running or it was left unlocked
  • Mechanical or electrical breakdown


Read our most common examples of what's not covered in our claims considerations guide

Multi car insurance optional extras

Let’s personalise your cover
Cover levels

Which level of cover is right for you?

There are three main levels of multi car insurance cover, so there’s something there for everyone. Let’s break it down…

Third party only 

This is the minimum level of cover you can have by law. So, if you’re involved in an accident that was your fault, we’ll pay out for any damage or injury you cause to other people and their property, but we won’t cover damage to your cars.

Third party cover is only available for our existing customers.

Third party, fire and theft

This level of cover is the same as third party, plus it protects your cars from damage caused by fire, theft and attempted theft and any claims from a third party if you’re involved in an incident.


Comprehensive is the highest level of car insurance cover you can get. As well as everything third party fire and theft does, we’ll also cover the cost of repair to or replacement of your cars if they’re involved in an accident or are damaged on purpose. Comprehensive cover also includes additional benefits, such as windscreen damage, driving in Europe, and if you choose the option, a hire car to replace yours if it’s off the road due to an incident.

Need a little more info? No worries, head over to our complete guide to comprehensive car insurance.

What will I need for a multi car quote?

To make things as quick as possible, make sure you’ve got this info:

  1. Driver details such as date of birth, address and occupation for you and any other named drivers. We’ll also need your driving licence information, such as licence number, type and details of any endorsements you have.
  2. Claims history including any claims or accidents, and the number of no claim discount (NCD) years you and any named drivers have.
  3. Car details such as the engine size, estimated mileage and where you keep it overnight.
  4. Eligibility – we’ll need to know if you are a UK resident and legally entitled to drive before we can insure you.

Cheaper isn’t always better, so we want to help you to find the right car insurance for you at the best possible price.

For a complete list of what's needed and why, visit our guide to what you need to get a quote.

We're always in top gear when it comes to car cover

Our awards and recognition

  • Which? Recommended Provider for car insurance 
  • Given the prestigious Defaqto 5 Star Rating 
Policy documents

Learn more about the nuts and bolts of our cover – the policy documents are all here

You can get these and other documents from us in Braille, large print or audio by dropping us a line.

Already an LV= car insurance customer? You could save even more with our multi car discount. Just call...

0800 202 84608am - 8pm Monday to Friday 9am - 5pm Saturday and bank holidays 10am - 4pm Sunday. Calls will be recorded.