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Get Peace of Mind on the Road with the Right Multi Driver Car Insurance

Multi driver car insurance policies allow you to insure multiple drivers under the same policy. You might wonder why you’d want to do this but it can be a great way to lower the cost of car insurance in certain cases. For example, if you’re a teenager who’s just passed your driving test, getting insurance at an affordable rate on a single driver policy can be very difficult. If however, one of your parents were to be the named driver, it can lower the cost of cover significantly.

Of course, the type of policy isn’t the only factor that affects the cost of insurance. Insurance providers also take other factors into account, such as the age and driving history of the named drivers, where the car is parked at night, the value of the car and your location. Getting quotes from different insurers is an excellent way to save money on multi driver car insurance. If you want to get quotes now, then simply click the green quote button. For more information on multi driver car insurance, keep reading.

Did you know…?

Multi driver policies are particularly useful for teenagers and those who have just passed their test.

Why Multi Driver Car Insurance Matters

Having car insurance is a legal obligation to drive in the UK. Driving without cover can not only end up costing you a lot but could easily lead to you being suspended from driving and losing your licence.

Understanding the Types of Multi Driver Car Insurance

The nature of car insurance you choose plays a crucial role in determining the scope of protection you gain. The main categories available in the UK are:

  • Third-Party Only Insurance: This is the basic car insurance requirement by law in the UK. It includes coverage for injuries inflicted on others and damage to others' property, but doesn't provide for any damage to your vehicle.
  • Third-Party, Fire and Theft Insurance: This is an extension of Third-Party Only insurance, offering additional coverage against loss or damage to your vehicle due to fire and theft incidents.
  • Comprehensive Car Insurance: This is the most extensive insurance cover you can get. It encompasses all the components of Third-Party, Fire and Theft policy, plus it may also help bear the cost of repairs or replacement of your car, irrespective of who caused the accident.

Did you know…?

The named drivers on a multi driver policy will be one of the biggest factors that affects cost.

Why Compare Multi Driver Car Insurance Quotes?

There are many great reasons to compare Multi Driver Car Insurance quotes. These include –

  • Operating independently of specific insurers, these sites provide unbiased assessments to help users find the best policy.
  • Comparison websites offer cost-effectiveness by allowing side-by-side comparison of quotes and policies, ensuring transparency in prices and features for informed decision-making.
  • Some comparison websites offer renewal reminders to help customers seize savings opportunities.
  • They serve as informative resources on what makes up good coverage, bolstering user confidence in finding reliable car insurance at a fair price.
  • They promote competition among insurers, often leading to better pricing options.
  • The process is efficient, requiring users to enter their information only once, eliminating the need to fill out long forms for each provider.

Optional Cover Available for Multi Driver Car Insurance Cover

Tailor your Multi Driver Car Insurance by choosing from the additional cover types below.

  • Windscreen Cover: A clear view is crucial when you're on the road. This cover ensures your windscreen's protection against any damage.
  • Excess Protection Cover: Need to make a claim? Don't fret about the cost of your excess. This cover's got your back.
  • Key Cover: Lost keys or stolen ones, this cover sorts out the cost of replacement and the locksmith's charges.
  • Legal Cover: A legal dispute from a road incident can be a financial burden. This cover is there to lighten that load.
  • No Claims Discount Protection: Make a claim without worrying about your no claims discount. This cover ensures it stays intact.
  • Foreign Use Cover: Fancy driving abroad? This extends your cover overseas, offering the same level of protection as you enjoy back home.
  • Breakdown Cover: Car troubles mid-journey? This add-on offers roadside assistance whenever you need it.
  • Uninsured Driver Protection: An uninsured driver hit your vehicle? This cover ensures you're not left out of pocket, protecting your excess and your no claims discount.
  • Personal Accident Cover: If a severe accident happens, this cover provides financial support for you or any named driver for certain injuries.
  • Misfuelling Cover: Put the wrong fuel in your car by mistake? This cover shields you from any subsequent repair costs.
  • Courtesy Car Cover: If an accident sends your car to the garage, this cover ensures you're not left high and dry by providing a courtesy car.
  • Child Car Seat Cover: In case of an accident, this cover provides funds for replacing any child car seats, even if there's no visible damage.

Did you know…?

There are several ways to save money when taking out multi driver car insurance, such as taking a Pass Plus test or paying upfront.

Multi Driver Car Insurance - How to Save Money

Follow the tips below to make sure you get the best price for your Multi Driver Car Insurance policy!

  • No Claims Discount: Insurers may offer discounts to drivers who have not made a claim in a while. The longer you go without making a claim, the larger the discount could be.
  • Higher Excess: Agreeing to pay a higher voluntary excess (the amount you pay towards any claim) can lower your insurance premium. However, ensure that you can afford the excess in case you need to make a claim.
  • Limit Optional Extras: While optional extras can provide valuable additional coverage, they also add to the cost of your premium. Make sure any extras you choose are truly necessary.
  • Maintain a Good Credit Score: Some insurers consider credit score when determining premiums. A good credit score can demonstrate that you're reliable and may lead to lower costs.
  • Advanced Driving Courses: Some insurers may offer discounts if you've completed an advanced driving course, such as those offered by the Institute of Advanced Motorists.
  • Review Your Coverage Annually: As your life changes, so do your insurance needs. Review your policy annually to make sure you're not paying for unnecessary coverage.

Compare Multi Driver Car Insurance Quotes Now!

By comparing quotes on offer it takes the stress out of finding the right car insurance. Here's your checklist:
  • Start by putting in your personal info - they handle it with the highest security standards.
  • Provide the details of your car - this helps them personalise your options.
  • Don't forget your current insurance details - this aids in refining their recommendations.
  • Soon, specialist insurance providers will contact you with bespoke quotes.

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Multi Driver Car Insurance FAQs

Should I give the person with more driving experience as the named driver on the policy?

No. It’s important to give the person who will be doing most of the driving as the named driver on the policy. It might be tempting to give the person with the better driving record as the named driver as a way to save money but this will almost certainly void your policy if it’s found to be inaccurate at any point in the future.

Are multi driver policies always cheaper?

No. Whether or not you benefit from getting a multi driver policy will depend on your circumstances and who else is named on the policy. They’re often beneficial for teenagers and new drivers but this isn’t always the case, so it’s worth looking into the different options available.

Are there any other ways to save money?

Yes. You can also save money on car insurance by –

  • Getting a car in a lower insurance group
  • Getting a limited mileage policy
  • Getting a black box insurance policy
  • Pay annually rather than monthly