So, what is Multi Cover insurance?
Why choose Multi Cover insurance?
Our simple quote process covers your home and up to 6 cars under one roof. It's more efficient, less time consuming, and easier to manage.
If you bundle your home and cars together on one policy, you'll get an immediate, automatic discount.
Get a quote for your home and cars, even if some of the cover isn’t needed until later in the year. The cover you don’t need straight away will be automatically included when you do.
What's covered with our Multi Cover insurance?
Let's get into the detail, shall we?
Ability to cover up to 6 cars and up to 12 drivers under the same policy
Accidental damage cover
Scratched or dented your car? We'll get it sorted.
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.
Accidentally filled your car with the wrong fuel? It happens to the best of us, so we'll fix it for you.
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:
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
Choose from our three levels of home insurance, Essentials, Home or Home Plus
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.
Flexible contents cover
Not sure how much stuff in your house is worth? No worries, we can help you with that.
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.
Keys lost or stolen? We'll replace your locks, no problem.
Claiming for both buildings and contents?
You'll only pay one excess.
What's not covered:
Gradual wear and tear
Breakdown of household appliances
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
- 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!
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.
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.
Home legal expenses
For £25 or less, we'll make sure those solicitor’s fees don't start mounting up.
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 homeWe’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.