Multi Car Insurance


  • Great for collectors, you can insure classic, specialist, antique and modern vehicles all on a specialist multi car insurance policy
  • Multi car and motorbike insurance, with cover for motor homes and vans as well as cars
  • Single renewal date for all vehicles: reduce your admin burden
  • Enjoy a multi car discount of up to 25%
  • No limit to the number of vehicles you can cover
  • Name up to 5 drivers on your policy
  • Can start with your modern vehicle
  • European driving cover included
Classic motors for sale - get a quote feature image


Rather than having to keep modern cars on separate insurance, or having a different policy for each classic you own, you can put all your vehicles on one policy for multi car insurance, with a single renewal date and premium.

With our specialist multi car insurance policy, you could save money on fees and simplify your insurance experience, reducing the different renewal dates and premiums you previously had to manage.

Our multi vehicle classic car insurance is fully comprehensive, to ensure all your vehicles are completely covered in the event of an accident, damage or theft claim.


Find out how much you could save by requesting a multi car insurance quote online today.

We’ll be in touch to discuss your unique collector car cover requirements and the best multi car insurance policy for your circumstances.

Simply use the form below to contact our expert multi car and collector insurance team for a quote, or ring us directly on 0121 248 9229.


The beauty of Heritage multi car insurance is that it can cover such a wide range of vehicles within the UK. We have customers with classic motorcycles, classic vans (including campers), modern motorhomes, and classic Land Rovers on the same policy.

That’s because we’ve worked with insurers to provide a flexible collector car insurance policy that’s specifically tailored for owners of multiple cars.  So, as long as you have one or more classic or specialist vehicles, you too can benefit from the savings and simplicity of Heritage multi vehicle, car and van insurance.

If you’re a Heritage multi car customer already, you can easily send us your vehicle data to add vehicles to your policy: just click here.


You can set up your multi car insurance with just one car to begin with, then add each additional vehicle as it comes up for renewal. We’ll ask for your renewal dates in advance so we can remind you and ensure you have plenty of time to get cover sorted.

Your premium will be pro-rated during the first year as your vehicles are added, and once you reach year two, you’ll have one premium for all of them together.

Unlike some of our more mainstream competitors, we place no limit at all on the number of vehicles you can add to your multi car insurance policy. Whether you’re a collector, have a handful of family vehicles or simply like to have a few vehicle restoration projects on the go, our collector car insurance is designed to give you the best options available.


Is Heritage multi car a multi driver policy?

You can insure up to five drivers on cover, so if you’re looking for competitive multi car insurance for modern and classic cars, we can help with that. Your vehicles all need to be registered at the same address for multi car cover, but you can have two or more drivers who live at different addresses – including a partner, family members or someone else – named on your multi car, multi person insurance policy.

Can I get European driving cover on a multi car policy?

Good news – European driving cover is included on your multi car insurance policy. The length of time you’re covered for can vary depending on the vehicle, so it’s best to check when setting up the policy.

Can I get no claims bonus on my multi car insurance policy?

You can accumulate no claims bonus on your modern vehicle(s) on your multi car insurance policy with us. No claims bonus isn’t available to earn on classic cars.

Do all the drivers on my multi car policy need to live at the same address?

Your vehicles all need to be registered at the same address for multi car cover, but you can have drivers who live at different addresses insured to drive the vehicles on your multi car policy.

How much is collector car insurance?

Generally speaking, classic car insurance tends to be cheaper than standard car insurance. With Heritage collector car insurance, you can save up to 25% depending on how many vehicles and how many drivers you have on your multi car insurance policy.

How do I pay for my multi car insurance policy?

You can choose to pay your first payment upfront or in monthly instalments over ten months. You will also need to pay a pro rata premium every time you add a new vehicle to your multi car insurance. This again can be paid upfront or in monthly instalments.


Key protect

Lost keys can be a complete pain – and often, if you lose your car keys then your house keys are with them, too.

Key protect insures you against key loss or theft, and ensures someone will come out to help you get access, plus you’ll have cover for costs like calling out a locksmith, and reprogramming infrared keys.

Breakdown cover

If you break down or your vehicle can’t be driven, get roadside repair and national recovery with our road rescue breakdown cover. This additional cover option includes alternative transport and overnight accommodation for a night, plus key assist in case of lost keys or lock failure.


Motor legal cover

Our motor legal policy will cover you for any legal costs involved in claiming compensation for injury, claims against uninsured drivers, and other forms of uninsured loss recovery, up to the value of £100,000. You’ll also get access to a 24/7 legal advice line.


Sign up to our newsletter

For the latest car insurance news and updates from our team of experts, sign up to our monthly newsletter.