What's multi-car insurance discount?

If you’ve got more than one car to insure at the same address, you could save money with us by taking out additional policies. Our multi-car insurance discount doesn’t mean having one big policy – it’s far more flexible than that.

Not everyone in a household will buy a car, take out car insurance and get paid on the same date, so why would you want one person paying for everything at the same time?

Car insurance policies need to be flexible for different payment dates, renewal dates and individual No Claim Discounts. Think of it as a multi-policy discount.

How does multi-car insurance work?

Instead of having all your cars under one policy, we think each car should be insured individually. Without missing out on a discount. That’s how our multi-car insurance discount works.

Here are some of the benefits of keeping your policies separate, instead of combining them into one policy like standard multi-car insurance:

No Claim Discount (NCD)

If one of you has an accident or makes a claim on one car, the NCD on the other vehicles won't be affected. There’s no impact on other vehicles in the household.

Manage costs

Every car you insure has its own policy start date and renewal date, so there's no need to worry about the expense of them all being renewed at the same time.

View your discounts before purchasing

By adding one car at a time to your policy, you can keep an eye on the money you’ll be saving before buying.

Register online

All policyholders can register an account and view their documents online.


In partnership with Zoom EV

The world is going electric, and plug-in vehicles are the future. We want the transition to be as easy as possible for our customers.

  • Insure your car with us, and we’ll give you an exclusive Zoom EV bundle at no extra cost.
  • Our Zoom EV bundle includes discounts on home and public charging, and discounts on parking.

The Zoom EV bundle is available to new Direct Line customers and existing customers at renewal. Zoom EV provides each bundle for 12 months from when you create and activate a valid Zoom EV account. The bundle is subject to change.

How do you get multi-car insurance discount?

Once you've insured one car with us, every additional car policy is eligible for a discount, as long as all the policyholders live under the same roof.

To get the multi-car discount, just start a quote for the second car you wish to insure. When asked if you have an existing car policy with Direct Line, answer yes and enter the required information.

Already a customer?

If you already have a car insured with Direct Line, you can get a multi-car discount on any other vehicles registered to the same address. Just add your policy details when prompted.

New customer?

Start your multi-car discount journey by getting a quote for your first car. Then just add the others one at a time to see the discounts.

Get a quote

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