Multi-vehicle FAQ

At Lancaster Insurance, we’re seeing a greater number of enthusiasts owning more than one vehicle.

To help take away the stress of multiple renewal dates and cluttered paperwork, below is more information on our multi-vehicle policies and how they may help you!

What vehicles do you cover?

As a specialist, we can arrange policies for a wide range of classics as well as 4X4s and motorhomes. If you insure your classic with us, we can also cover your modern vehicle, van and even your kit car.

Are multi-vehicle policies cheaper?

Yes they can be. At Lancaster, we can arrange a discount meaning the more vehicles you add, the better value the policy becomes. It’s always best to talk directly to our team so we can help find the right policy for you at the best possible price.

All my policies are due at different times – how does that work?

You can start with as many or as few vehicles as you want, then any additional vehicles can be added when they are due for renewal. Any premium required will be calculated on a pro rata basis – then in 12 months’ time from inception, all the vehicles on the policy will have the same renewal date.

What is the maximum number of cars I can insure? Can I add my Spouse’s car?

With Lancaster Insurance, the multi-vehicle policy that we arrange has no limit to the number you can cover - you can also add your partner’s car to the policy too!

What happens to my No Claims Bonus (NCB)? Can it be shared across all my vehicles?

Your NCB can only apply to one vehicle and it will remain on whichever vehicle has earnt it. You can however have multiple sets of NCB and any modern vehicle that doesn’t already have its own set will start earning as soon as it covered. With classic cars, traditionally they don’t earn a NCB but as long as you can supply written evidence we will add it to your policy.

One of my vehicles is SORN, do you cover this?

We can cover SORN vehicles with a fire and theft only cover with the same policy as your on-road vehicles. All vehicles can be covered with different mileage limits and levels of cover.

What other benefits can I expect with a multi-vehicle policy?

There are a range of benefits which can be included such as club membership discounts, Legal Protection, Breakdown Cover and Agreed Value. We can also cover you for driving other cars, as long as you have one modern vehicle on your policy.

Can I remove a vehicle if it’s sold without having to cancel the policy?

Yes, you will simply receive a pro-rata refund of the vehicle’s premium (Subject to underwriting criteria and adjustments fees).

I’ve a heavily modified car, is that a problem?

We can cover most common modifications including engine tuning, uprated suspension and alloy wheels, as well as engine swaps, roll cages and more unusual mods. Not all will increase your premium but it’s important that you declare them to ensure you have the right protection in place.

How do I get a quote?

To speak to the specialist multi-vehicle team at Lancaster Insurance give us a call on 01480 220150 or click here to request a call back.