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Saga Magazine
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MULTI CAR INSURANCE

Give all your cars at home Saga-quality cover

Get a quote Retrieve a quote

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 Claim Discount (NCD) 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 trips abroad

  • Key protection

  • 3-year fixed price, if nothing changes. T&Cs apply

  • Misfuelling

  • Protected No Claim Discount (NCD)

  • Vandalism promise

Who are Saga's car insurance policies underwritten by?

Saga’s car insurance policies, exclusively for people over 50, are unique products designed by us specifically for our customers. They are underwritten by a number of carefully selected insurers that provide high standards of quality and service.

Compare car insurance from Saga

Cover and benefits Saga Standard Saga Select Saga Plus
3-year fixed price
Uninsured driver promise
You won't lose your NCD and there's no excess to pay if you're hit by an uninsured driver and you supply us with their vehicle details.
Tick
Tick
Tick

Cover for trips abroad

Cover in most European countries with the same level of cover as you have in the UK.

Up to 90 days
Tick
Tick
Protected No Claim Discount (NCD)
If you have four or more years' NCD, we'll protect it against two fault claims in a three-year period.

Optional
Tick
Tick
Vandalism promise
You won't lose your NCD if you make a valid claim for damage caused by vandals.
Dash
Tick
Tick
Misfuelling
Any loss or damage caused directly or indirectly as a result of accidentally filling your vehicle with the incorrect type of fuel.
Dash
Tick
Tick
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 NCD won't be affected.
Optional
Optional
Tick
Claims promise
While you are with us, your NCD won't be affected by claims caused by theft, fire, storm, flood or animal damage, or if your vehicle is hit when parked.
Dash
Dash
Tick
3-year fixed price
You'll get a price for one year's cover but, because we fix this for your next two renewals, as long as nothing changes, you'll pay the same price next year and the year after. (T&Cs apply).
Dash
Dash
Tick

Get a quote

Get a quote for your cars with Saga today

Get a quote Contact us

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