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MULTI CAR INSURANCE

Give all your cars at home Saga-quality cover

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What is multi car insurance?

Multi car insurance is a way of insuring a second, third or even fourth car under the same policy – like a single big umbrella keeping the rain off a few people, rather than there just being room for one. With a third of households having a second car in England, multi car insurance can be an option to consider.

Some companies provide a special ‘umbrella’ policy for more than one car, with just one renewal date and one set of documents to deal with in most cases. Here at Saga, we prefer to keep things simple with each car having its own policy – but there are certainly some great reasons for insuring all your cars with us.

How does multi car insurance work?

The way multi car insurance works can vary between providers. Generally, there’s a limit on the number of cars you can have on the policy – around 6 at most. You can take out cover for two or more cars at the same time.

But more usually, you’d get one car insured normally and then add a second car when its renewal is due. The insurer would perhaps then extend the original car’s cover so that both eventually renew at the same time.

With Saga you can insure as many cars are you like at the same address, all with their own policies, cover and renewal dates.

If you pay your premium annually rather than spread out over monthly instalments, having different dates will mean you don't have to pay for two or more cars all on the same day.

Great reasons to insure all your cars with Saga

Separate renewal dates – so you don’t have to pay for all the policies at once.
You can keep all policies together in one MySaga account or use separate accounts if set up in different names.
Earn no claims discount on all vehicles separately.
Get a quote online or over the phone without needing the existing policy details to hand. Our systems recognise additional vehicles insured at the same address.
A choice of different cover levels for each vehicle.
Friends, flatmates and family living at the same address can all benefit.
Payment choice – you can choose to pay annually or by monthly Direct Debit. Monthly Direct Debit is subject to eligibility criteria and interest will be charged.

What makes Saga Car Insurance great?

Whichever combination of our three Comprehensive cover levels you choose, all your cars will get reassuring Defaqto 5 Star rated protection. And, depending on your policy, it can include these features:

Uninsured Driver Promise
Cover for driving abroad
Key protection

Misfuelling cover
No Claims Discount Protection
Vandalism Promise

Who provides Saga Car Insurance?

Saga Car Insurance is arranged and administered by Ageas Retail Limited and underwritten by Ageas Insurance Limited.

Compare car insurance from Saga

Cover and benefits	Saga Standard	Saga Select	Saga Plus 2-year fixed price
Uninsured Driver Promise We’ll repay your excess, and you’ll keep your no claims discount if you’re in a non-fault accident with an uninsured driver and have their details.
Courtesy car Our nationwide network of approved repairers will provide you with a courtesy car for the duration of the repair.
Driving abroad Cover in most European countries with the same level of cover as you have in the UK.	Up to 90 days	Up to 180 days	Unlimited
No Claims Discount Protection If you have four or more years' no claims discount, we'll protect it against two fault claims in a three-year period.	Optional
Vandalism Promise You won't lose your no claims discount if you make a valid claim for damage caused by vandals.
Misfuelling cover Any loss or damage caused by accidentally filling your vehicle with the wrong type of fuel.
Key Protection We'll cover up to £2,500 per claim, and with us, you will even get up to £250 for wear and tear. You won't have to pay an excess and your no claims discount won't be affected.	Optional	Optional
Legal Protection We’ll cover up to £100,000 of legal costs for accidents that are not your fault, as long as an independent legal representative believes there is more than 51% chance of success.	Optional	Optional
Claims Promise Your no claims discount won't be affected by claims caused by theft, fire, storm or flood, or if your vehicle is hit when parked.
2-year fixed price You'll get a price for one year's cover but, because we fix this for your next renewal, as long as nothing changes, you'll pay the same price next year. (T&Cs apply).
Onward Taxi Travel Promise If you have an accident in the UK and your car's too damaged to drive, we'll arrange a taxi to take you anywhere you need to go in the country – with as many stops as you need.