Multi-car Insurance

Save 10% on up to 3 additional cars*

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Multi-car Insurance

More than one car at home? With RAC multi-car, households that insure more than one car with us can benefit from a 10% multi-car discount. Anyone who lives in the same house as you may be eligible to be covered by multi-car cover, whether they're your spouse, son, daughter or housemate, the discount can be applied to up to three additional cars.

Get 10% discount when you insure additional cars in your household*

Defaqto 5 Star Rated Car Insurance Plus

Separate no claims discount for each car

What is Multi-car Insurance?

Multi-car insurance covers several vehicles. If your household owns more than one car it could be worth taking out multi-car insurance as RAC offer a discount

Our multi-car insurance can cover all vehicles at a single property, and just like our standard car insurance, you can choose your level of cover – Third-party fire and theft, Comprehensive, or our 5-star RAC Car Insurance Plus . You can compare the benefits of each level here . The key difference with multi-car insurance is that we can offer you discount for insuring multiple vehicles with us.

Why choose RAC Multi-car Insurance?

Cover for the whole family with 10% RAC Multi-car discount*

If you have up to 3 additional cars in your household you could save with multi-car insurance. For every additional car in your household you insure with us, you’ll receive a 10% discount off the premium.

  • Separate no claims bonus for each car - so yours won’t be affected if another policyholder has a scrape**
  • Friends, family and housemates can benefit from discount - as long as you all live at the same registered address
  • Keep your renewal date - Every car you insure can keep its own renewal date
  • 5 Star rated cover –  RAC Car Insurance Plus has been awarded 5 stars for five years running by independent financial research company, Defaqto
We also have a dedicated multi-car breakdown cover policy, in case you require roadside assistance.

How to get a Multi-car discount

Our Multi-car discount is available to new and existing customers wanting to insure up to three additional cars with the RAC. To take advantage of the 10% multi-car discount*, please call 0330 159 1468 and provide us with the policy number of the policy already in place at the address.

Our Levels of Cover

Compare our full list of benefits here

RAC Comprehensive Car Insurance

Defaqto Five Star Rating

5 Star RAC Car Insurance Plus

Courtesy Car as standard (subject to availability and eligibility)



Repairs guaranteed for 3 years at approved garages



Uninsured driver promise



Replacement locks



Vandalism promise



What our members are saying

The website was easy to manoeuvre through and the transaction was complete in a matter of minutes. I am not the best on the computer but found it quite easy

Mr D D, Newport

Within 5 minutes I changed my registration plate to a private plate, renewed my policy and got it cheaper than last year. Great customer service. A polite, knowledgeable representative

Mr D F, Warrington

Expectations were exceeded. At no time did I feel pressurised, my needs were listened to and clarification was given whenever I asked for it

Mr D R, Hampshire

Best online insurance company I've ever used

Mr M K, Arlesey

Generally a quite simple experience taking out the insurance policy online. Help was available throughout if required. Insurance documents available immediately for downloading and printing

Mr V H, London

Cheapest quote.....easy access to policy and helpline at any time

Mrs E B, Immingham

Been insured with the same company for 12 years so I know RAC and I have faith in you 

Mrs J S, Birmingham

Easy - changed my car mid year took me 5 minutes – simple

Mrs N B, Biggleswade

Straight forward process - particularly liked the fact I could upload no claim verification documents instead of having to supply by post

Ms B M, Rutherglen

Great service and the RAC found me the best deal.

Mr Y - Newcastle

Dealing with RAC insurance is a revelation compared to our last insurer. RAC gets top marks.

Mr W, Falmouth

You cannot improve on perfection.

Mrs P, Llantwit Fardre

I was pleased to get extra discount for having breakdown cover.

Miss A - Leicester

Compare the benefits each level of cover offers


View all the optional extras available when you buy RAC Car Insurance


All the information you need to retrieve a quote, amend your policy or make a claim


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With enhanced COVID-19 Cover Add On for ‘non-essential’ European destinations**


Pay-by-day car insurance from 1 hours-30 days


Gain experience behind the wheel at home with our flexible, short-term cover


A new kind of car insurance for lower mileage drivers.


5 Star Car Insurance

RAC Comprehensive Car Insurance Plus has been awarded a 5 star rating by Defaqto.

Planning to drive in the EU this year?

What does Brexit mean for RAC Insurance customers? Find out what you need to do by following the link below.

Find out more  

Frequently Asked Questions

Q. Who is multi-car insurance for?

Multi-car insurance can apply to anyone who is registered as living in your household, so you can add up to 3 additional cars where the driver resides at the same address and is a permanent UK resident.

This makes it a useful option for families with older children living at home. For example, if both parents have a car each and their son or daughter also drives and owns a car that needs insuring, all three cars could benefit from multi-car cover.

Multi-car insurance isn't just for family members though - it can benefit housemates or friends living at the same address too.

Q. How many vehicles can multi-car cover?

Multi-car insurance covers at least two cars. RAC Multi-car insurance allows existing customers to insure up to three additional cars, and for every extra car that is included, customers will receive a discount of 10% off their premium.

Q. Whose vehicle can be included on multi-car cover?

Anyone who lives at the same registered address is eligible for multi-car cover, including family members, extended family members, friends and housemates. Provided a driver lives at that address and their vehicle is registered to the same address, they can be included.

Q. Will multi-car insurance save me money?

That's the idea! One of the advantages of multi-car insurance is that you get a 10% discount when you insure other cars registered to your household. Not only that, if you're also an RAC Breakdown member you'll receive an extra discount on top, saving more money.

Q. How does multi-car No Claims Discount work?

Each car is entitled to its own separate No Claims Discount**. A separate No Claims Discount for each car is important as it means individual drivers can continue to build on their NCD providing no claims are made and as you don’t share your no claims discount between your cars, you are able to take your discount with you if you choose to switch insurers.

Q. What if I'm already insured with RAC?

Multi-car cover is available to both new and existing customers, so if you're already insured with the RAC that's not a problem. –To arrange multi-car cover, just make sure you have your existing policy number to hand when you call 0330 159 1468.

Q. Do the vehicles have to be at the same address?

Yes, to qualify for multi-car discounts all cars have to be registered to people living at the same address. This includes family, friends and housemates.

Q. What happens when I change my car?

If you change your car during the period of insurance, and want your new vehicle to be included under your existing multi-car cover, you’ll need to contact us to update your details.

Q. I’m driving less miles now, could I be saving on my car insurance?
If you drive under 6,000 miles a year and are over 21 Pay by Mile car insurance may save you money. Every driver and vehicle combination is unique so we can’t promise it'll be cheaper. Comparing it on a like for like basis, paying as you go could save you up to 26%. If you you’re your mileage increasing, then you can cancel the policy at any point. Don’t worry, there are no cancellation fees. Get a quick quote and find out if you could save.

* Multicar discount: Terms & Conditions:

  1. The 10% multicar discount will be applied to the insurance premium of up to three additional cars added to an existing RAC Car Insurance policy, excluding additional products, add-ons, fees and charges.
  2. The additional cars must be registered to the same address as the existing RAC Car Insurance policy. 
  3. The discount is only valid on quotes and purchases made by calling RAC Car Insurance direct on 0330 159 1468  and you must provide the existing RAC Car Insurance policy number that the additional cars are to be added to prior to getting a quote and making your purchase. 
  4. Quotes and purchases acquired through price comparison sites, cash back sites or the website are excluded and the discount will not apply. 
  5. The discount will apply for every year that there are 2 or more cars registered under the same RAC Car Insurance policy and at the same address. The discount will not apply in the event there are less than 2 cars registered under the same RAC Car Insurance policy, such as if a car is removed or you choose not to renew.
  6. If you cancel your policy mid-term and there are no longer at least two cars on the existing RAC Car Insurance policy, we reserve the right to reclaim the value of the discount that was applied.
  7. This offer applies to RAC Standard Car and RAC Car Insurance Plus policies only.  
  8. No cash or other alternatives are available.
  9. The provision of insurance is subject to underwriting criteria. For full details of the policy terms and conditions, please refer to your policy documents. Your premium will depend on your circumstances and the level of cover you choose.
  10. This offer may be withdrawn at any time.

**No Claims Discount (NCD) is individual to each main driver and their vehicle covered under the policy.

Any claim made on a vehicle covered under the policy will be recorded against the policyholder, and may need to be declared by the policyholder to a future insurer. Any accident involving a driver covered under the policy may need to be declared by that driver to a future insurer and may impact the drivers NCD.

RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Car Insurance is arranged and administered by BISL Limited, which is an independent intermediary. Registered in England no. 3231094. Registered office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. Both companies are authorised and regulated by the Financial Conduct Authority.

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