In many ways multi car insurance is a much more efficient way of covering multiple vehicles then having separate policies, but people should be careful regarding their no claims discount and their multi car insurance.
The idea that people should receive reductions in their car insurance premiums if they go a certain length of time without claiming on their insurance is the essential idea behind no claims discounts. Multi car insurance is a product that allow more then one car to be covered under the same policy. The obvious question is what happens if there is a claim on the policy which is held by more then one person and they both have separate no claims discounts? The answer is that in most cases, although this by no means a universal rule, only the driver involved in making the claim will have their no claims discount affected by making the claim.
Another multi car no claims discount related issue is whether or not new cars that are added to the policy will be awarded matching discounts. Again, there is a general rule that most companies will give matching discounts, but customers should always check to avoid being caught out.
It is advisable to compare car insurance quotes, especially with regards to multi car no claims discounts, before you settle on anything.