Multi Cover insurance

Combine your car and home insurance on one policy

One policy, one renewal date

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What's covered with our Multi Cover insurance?

Let's get into the detail, shall we?


yes Ability to cover up to 6 cars and up to 12 drivers under the same policy

yes Accidental damage cover
Scratched or dented your car? We'll get it sorted.

yes Uninsured driver promise
If the other driver isn't insured and the accident’s not your fault, you'll keep your NCD and your excess – as long as you have the details of the other vehicle and driver.

yes Misfuelling cover
Accidentally filled your car with the wrong fuel? It happens to the best of us, so we'll fix it for you.

yes Vandalism promise
If your car is vandalised and you have to claim, you'll keep your no claim discount – you'll just need to pay your excess.

What's not covered:

No Any drivers who aren't named on the policy

No Damage to any car you're driving that's not the car you've insured with us

No If the car's stolen when the keys were left in the ignition, the engine was running or it was left unlocked

No Mechanical or electrical breakdown


yes Choose from our three levels of home insurance, Essentials, Home or Home Plus

yes Unlimited cover to rebuild your home 
Up to £500,000 towards rebuilding costs with our Essentials policy, up to £1m towards rebuilding costs with our Home policy, or unlimited with Home Plus.

yes Flexible contents cover  
Not sure how much stuff in your house is worth? No worries, we can help you with that.

yes Accidental damage cover 
You can choose from a few levels of cover, so from fixtures and fittings to TVs and tech, you’ll find the cover you need.

yes Lock replacement
Keys lost or stolen? We'll replace your locks, no problem.

yes Claiming for both buildings and contents?
You'll only pay one excess.

What's not covered:

No Gradual wear and tear

No Breakdown of household appliances

No Fences damaged by storm

how does multi cover insurance work?

Simple to manage with plenty of benefits... Here's what you'll like about our Multi Cover insurance

Icon of a laptop with some data on the screen
  • Add your home and up to six cars onto one policy*
  • One policy and one renewal date for your cars and home
  • Add your home and cars at the same time, schedule some for later, or add them in afterwards.
  • If you tell us when you'd like other cars on the policy to start, we'll guarantee the price you pay
  • Or even, adding a car at a later date will still get you discount!


* All cars must be registered at the same address

Optional extras

Check out our range of optional extras


Motor legal expenses

£25.99 per year will cover the cost of any potential legal action if you're involved in a car accident.

Guaranteed hire car if yours is off the road

From £19.90 per year, you're guaranteed use of a hire car if your own car is being repaired by our recommended repairer service, or has been stolen or written off.

Increased personal accident cover

For just £19.90 per year, you can increase your personal accident cover to £100,000 to protect you, your partner or a named driver on the policy if you or they suffer a serious injury while travelling in, or getting into or out of your car. If the named driver is hospitalised you can benefit from an additional cash payment.

Breakdown cover

From £26 per year LV= Britannia Rescue gives you access to over 4,000 breakdown professionals across the UK. We have five levels of cover to choose from so you can choose what's best for you.

Protected no claim discount

For every year you don’t claim on your car insurance, you'll earn a year of no claim discount. The more years of NCD you’ve built up, the bigger the discount on your car insurance when you renew. If you’ve earned four or more years NCD, you can add this optional extra to protect your NCD for the life of your LV= policy.


Here’s a bit more about our car optional extras


Home legal expenses

For £30 or less, we'll make sure those solicitor’s fees don't start mounting up.

Home emergency

For £50 or less, we'll organise and pay for an approved tradesperson to provide emergency assistance and repairs up to £1000 per emergency.

Full accidental damage cover

Breakages, spillages, stains - it happens to us all, so our full accidental damage cover gives you peace of mind that we can help get things shiny and new in no time.

Personal belongings cover away from home

We’ve all lost or damaged something while out and about, so by adding personal belongings cover to your policy, you'll protect items when you're away from home. From phones to jewellery, we’ve got you covered. Phew!

Cycle cover away from home

Avid cyclist? You'll want to make sure your trusty two-wheeler is covered if you take your bike away from home. Whether it is for you or your family, with this optional cover, your bicycle or folding bike and your cycling gear is insured.


Here’s a bit more about our home optional extras

More about our Multi Cover insurance

Our car and home insurance comes highly recommended

Our awards and recognition

  • Given the prestigious Defaqto 5 Star Rating for our car insurance
  • Given the prestigious Defaqto 5 Star Rating for our home and home plus insurance

Now sit back, relax and start your quote