Many families and households in the UK have 2 cars or more. Individuals can end up with cheaper premiums and easier to manage car insurance by taking out second car insurance (often known as multi car insurance).
Second car insurance allows people to add a second vehicle to their already existing car insurance policy. Many insurance providers will actively encourage this by offering discounts and reduced premiums.
The second major benefit for consumers that is widely cited, apart from the cost, is the ease that it offers to individuals and families that own two vehicles. Grouping two cars together under one policy makes the management of the policy easier for both the policyholder and the company itself.
There are a number of key differences between different second car insurance polices that people should be aware of.
One of the key differences between different policies is whether or not all named drivers are insured to drive all named vehicles. This can be of key importance for families where both children and parents make use of both cars regularly.
Another important difference between second car insurance policies is whether or not the policy as a whole will be affected if one named driver makes a claim. Most policies are designed so that only the driver involved in the claim will have their discount affected, but it is important to check.
See below for specialist providers of second car insurance.