15%* online Multicar discount
If you're an existing esure Car Insurance or esure Flex Car Insurance customer, you or anyone living at the same home address could get a Multicar discount!
✓ Policies and renewal dates kept separate, so everyone can manage their own policy
✓ Defaqto 5 Star rated Car Insurance or Defaqto 3 Star rated esure Flex - the choice is yours!
*The discount (1) excludes Optional Extras (2) is subject to eligibility; and (3) applies to online sales made via esure’s website only. If you pay by direct debit, interest will be calculated on the discounted premium.
What is a Multicar discount?
A Multicar discount is an online only discount we offer to existing esure Car Insurance and esure Flex Car Insurance customers who have more than one car in the household. When you, or anyone living with you, insures additional cars directly with esure, we’ll discount every new car insurance policy by 15%*.
We'll also apply a 15%* discount to the existing policy when it next renews, as long as it was also bought directly, and meets eligibility criteria. Check out the full eligibility criteria and exclusions further down this page.
This offer is not available over the phone.
So, if you and your partner both have cars, or for whatever reason you just have more than one car at home, why not consider getting a quote?
Plus, there’s no limit to the number of cars you can insure with us, so every additional policy could benefit from a 15%* discount.
*The discount (1) excludes Optional Extras (2) is subject to eligibility; and (3) applies to online sales made via esure’s website only. If you pay by direct debit, interest will be calculated on the discounted premium.
Eligibility
- The person requiring cover will need to get their quote for additional esure car insurance policies directly at esure.com.
- The discount will apply from the start of the new policy and will continue to be applied at each renewal as long as the Multicar eligibility criteria and our standard Underwriting criteria have been met.
- A Multicar discount will be applied to the existing policy at the next renewal and at each subsequent renewal as long as this policy was originally bought directly from esure, and the Multicar eligibility criteria and our standard Underwriting criteria have been met.
- Minimum of two cars must be insured with esure by people living at the same home address.
- Our standard Underwriting criteria for your additional car insurance policies will apply.
- The Multicar discount offer is available from 1st August 2024. The terms apply from this date.
- The price quoted is valid up to the start date you chose when getting your quote.
- When answering the existing customer question on esure.com, you must select ‘yes’ to yourself or someone in your household being an existing policyholder, otherwise you will not be eligible for the Multicar discount.
- We reserve the right to modify or withdraw the Multicar discount at any time.
Exclusions
The Multicar discount doesn't apply to:
- The cost of optional extras.
- Any policies bought via a Price Comparison Website.
- Any policies bought over the phone.
- Discounts are not added during the policy year.
- Buying a car insurance policy with another brand within the esure Group.
If a change in circumstances means you no longer meet this eligibility criteria, the Multicar discount will be removed and will not be applied to the policies from their next renewal(s).
Choose the product that meets your needs
To help you get the cover that's right for you, we'll now give you two prices when you get a quote direct with us - one for esure Flex Car Insurance, and one for esure Car Insurance. Take a look at how the two compare:
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|---|---|---|
Defaqto rating  Defaqto is one of the UK’s most trusted sources of financial product and market intelligence. |
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| Windscreen cover Cover to repair or replace your windscreen if it's accidentally damaged. |
✔ | ✔ |
| Uninsured driver promise If you're involved in an accident that isn't your fault and the other driver isn't insured, your excess won't apply. The uninsured driver will need to be identifiable. |
✔ | ✔ |
| Vandalism promise If your car gets vandalised, report it to the police to get a crime reference number and we will protect your no claims discount. |
✔ | ✔ |
| Personal belongings Provides cover towards the loss or damage to your personal belongings following a claim involving your vehicle, up to a specified limit. |
✖ | ✔ £150 |
| Stolen keys Covers the cost to replace your keys if they are stolen, up to a specified limit. |
✖ | ✔ £500 |
| Legal advice helpline We provide you with a motoring legal advice helpline as part of your policy. |
✔ | ✔ |
| Child seat cover Covers the cost to replace your child seat even if it isn’t obviously damaged, up to a specified limit. |
£100 | £100 |
| Non-original nav & audio cover Provides cover towards the replacement of non-manufacturer fitted audio and navigation equipment following loss or damage, up to a specified limit. |
✖ | ✔ £150 |
| Courtesy car to use while yours is being repaired A temporary replacement car to use while yours is being repaired, when using an esure appointed garage. |
✔ | ✔ |
| Hotel expenses (UK) If you are unable to get home, we will cover the cost of a hotel in the UK. |
✖ | ✔ £200 driver/£500 max |
| Medical expenses Provides cover for medical expenses, such as physio and dental treatment. |
£100 | £300 |
| 24 hour emergency helpline We're here 24/7 in the event of an accident or incident involving your car. |
✔ | ✔ |
| 5 year repairs guarantee When settling your claims, the repair work comes with a 5year guarantee while the parts will be covered by the manufacturer's warranty. |
✔ | ✔ |
| New car replacement benefit We'll replace your car with a new one of the same make and model if your car is less than 1 year old, you or your partner were the 1st registered keeper and it's been stolen and not recovered or the cost of repairing is more than 55% of the manufacturer's latest UK list price (including taxes). The legal owner must agree to this. |
✔ | ✔ |
| Accident repair redelivery If your car isn't driveable after an incident covered by this policy, we will pay reasonable transport costs to take it to the nearest suitable repairer. We will also pay the reasonable cost of returning your car to you at the address shown in your schedule after it's been repaired. |
✔ | ✔ |
| Nav & audio equipment cover (original fit) Provides cover towards the replacement of manufacturer fitted audio and navigation equipment following loss or damage, up to a specified limit. |
✔ | ✔ |
Frequently Asked Questions
➤ WILL I BE ABLE TO DRIVE ALL THE CARS I’VE INSURED?
It all depends. If you insure all the cars in your name, then you’re allowed to drive all of them. However, if you only insure one car in your name, you can only drive the other cars if you are added as a named driver.
➤ DO THE CARS NEED TO BE KEPT AT THE SAME ADDRESS?
To be eligible for our Multicar discount the owners of all the cars insured must live at the same home address.
➤ DO I HAVE TO BE MARRIED TO GET THE DISCOUNT?
Not at all. Our Multicar discount is available to anyone living at the same home address.
➤ I DON’T ALREADY HAVE A CAR INSURED WITH ESURE AND WANT TO INSURE TWO AT THE SAME TIME?
Our Multicar discount is a benefit for existing customers only, so you can only take advantage of the discount if you have an esure Car Insurance or esure Flex Car Insurance policy with us already.
➤ WHAT HAPPENS TO MY RENEWAL DATES IF I INSURE MORE THAN ONE CAR WITH A MULTICAR DISCOUNT?
They’ll be kept separate is the short answer, so there will be no change to your existing renewal date. Your No Claims Discount (NCD) for each policy will also be kept separate, so a claim on one policy won’t affect the NCD of the other.
➤ CAN I ADD NAMED DRIVERS TO MY POLICY?
Yes, you can add up to three named drivers to any of the cars you insure with us, subject to additional cost.
➤ CAN I INSURE MY PERSONAL CAR AND WORK VEHICLE AND GET A MULTICAR DISCOUNT?
Yes you can, as long as the policyholders of each car live in the same household, and all Multicar eligibility criteria is met including the vehicles meeting our normal quote acceptance criteria.
If you've got any further questions about our Multicar discount you can ask our Livechat team.
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