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Keep it simple with The AA
Each customer chooses the insurance cover that's right for them, and with individual renewal dates there's no big bill all at once.
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Savings that go on and on
The Multi-Car Discount rolls on every year when at least one additional car in the home is insured with us, rewarding your ongoing loyalty.
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Cover you can count on
99% of claims were paid,1 and our Gold and Platinum car insurance have a Defaqto 5 Star Rating. Plus we're rated Excellent on Trustpilot.‡
CAR INSURANCE – MULTI-CAR DISCOUNT
15% Multi-Car Discount* – when you get a quote here
Insure additional cars in your home and unlock exclusive savings that reward you and those you live with
A 15% Multi-Car Discount will be applied to quotes for additional cars which meet the following eligibility criteria.
The AA must already insure at least one car at the same address, and the additional cars are registered to the same address.
By continuing, you confirm you understand and meet the eligibility criteria.
No AA Car Insurance policy in your home yet?
Get a quote here, then anyone in your home can revisit this page to unlock 15% off another car.
Choose the level of car insurance cover you need
Our Defaqto rated Silver, Gold and Platinum policies offer a choice of features and benefits.
- All of our car insurance policies provide the uninsured driver promise and new for old cover.²
- Stay on the move after an accident, no matter who's at fault – you'll get a courtesy car while yours is being repaired.³
- Add vehicle breakdown cover for only £15.
A car insurance quote takes just a few minutes. We just need some details about you, the vehicle you want to insure, and your driving history, including any no claim discount (NCD) you may have.
Features and benefits of our car insurance
Table to show tiered cover available in Car Insurance
Description
Silver
Gold
Platinum
Silver
Gold
Platinum
Defaqto Rating
4 Stars
5 Stars
5 Stars
4 Stars
5 Stars
5 Stars
Motor Legal Assistance
Optional
Car Hire
Optional
Optional
Motor Accident Plan
Optional
Optional
Excess Protection
Optional
Optional
Optional
Breakdown Cover
Optional
Optional
Optional
EU cover
30 days
90 days
90 days
Personal belongings
Cover up to £50
Cover up to £200
Cover up to £250
Windscreen replacement excess
£150 excess
£100 excess
£75 excess
Windscreen repair excess
£25 excess
£10 excess
No excess
Lost or stolen keys
Cover up to £750
Cover up to £1,000
Cover up to £1,500
Accidental and malicious damage minimum excess – additional excesses can apply for driver age and vehicle type
£200 excess
£150 excess
£100 excess
FAQs about the Multi-Car Discount with AA Car Insurance
The AA Multi-Car Discount
How does the AA Multi-Car Discount work?
If you already have a car insured with us, then anyone at the same address can benefit from a 15% discount when they buy a new additional car insurance policy directly via theaa.com/car-insurance/multi-car. Or you can call us on 0330 053 0243.
The discount only applies to our Silver, Gold or Platinum car insurance and not to any optional additional cover.
The terms and conditions have all the details.
Can I insure more than one car and receive an AA Multi-Car Discount?
Yes, anyone at the home address can insure more than one car in their name.
So once you've insured one car with The AA, then you or another person in the household can revisit theaa.com/car-insurance/multi-car to benefit from the AA Multi-Car Discount on our Silver, Gold or Platinum car insurance for another car.
Up to 5 new additional car insurance policies at the same address can benefit from the 15% discount.
Any cars at the home address already insured with The AA won't qualify for the discount. Also, the offer isn't valid for commercial use.
Other drivers at the home address
Can anyone in my home get an AA Multi-Car Discount?
Yes, they can. We apply the 15% discount when anyone at the home address buys a new additional car insurance policy. It continues at renewal via their renewal invite, provided they still meet the AA Multi-Car Discount eligibility criteria.
Any cars at the home address already insured with The AA won't qualify for the discount as it applies only to new additional vehicles.
Remember, you need to buy the new additional car insurance policies directly via theaa.com/car-insurance/multi-car, or you can call us on 0330 053 0243.
Do new customers have to buy their policies directly from The AA?
Yes, they do. To get the AA Multi-Car Discount customers must buy additional car insurance policies directly via theaa.com/car-insurance/multi-car or call us on 0330 053 0243.
The discount isn't available on price comparison or cashback websites.
The existing or first AA Car Insurance policy can be bought direct from us or via a price comparison website.
Can only family members get the discount?
Anyone who lives in your home can get the discount – you don't have to be related. There just needs to be at least one car in your home already insured with The AA for them to qualify for the AA Multi-Car Discount.
To get the AA Multi-Car Discount they must buy additional car insurance policies directly via theaa.com/car-insurance/multi-car, or call us on 0330 053 0243.
Just remember, all of the cars must be registered at the same home address.
AA Multi-Car Discount policies
Can I drive all cars that qualify for an AA Multi-Car Discount?
The AA Multi-Car Discount is not a multi-car policy. Instead, the discount applies to each new additional car insurance policy at the home address.
So in order to drive other cars registered at the home address you must either be the policyholder or a named driver on a policy.
Will all the cars have the same renewal date?
No. Our AA Multi-Car Discount offer keeps things flexible for you. Every new additional policy is separate, with its own payment and renewal date.
Will each car insurance policy get its own no claims discount?
Yes, because each car is insured separately. And this means the policyholder can protect their own no claims discount.
When does the discount offer end?
The AA Multi-Car Discount rolls on every year, rewarding your ongoing loyalty.
The 15% discount is applied via the renewal invite for additional vehicles, provided you or anyone at the home address still meet the AA Multi-Car Discount eligibility criteria.
The AA reserves the right to change or withdraw the discount at any time without notice.
Good to know
1 Our panel of insurers paid out on average 99.60% of all car insurance claims, July 2024 to June 2025.
2 New for old cover applies when your car is written off or stolen. The car must be less than 13 months old from the date of first registration, and you must be the first and only registered keeper.
3 Comprehensive cover provides a courtesy car while your car is being repaired at an approved garage.
‡ Based on AA Car Insurance and AA Home Insurance combined customer reviews.
AA Gold and AA Platinum comprehensive car insurance have been given a 5 Star Rating from Defaqto. Defaqto is one of the UK's most trusted sources of financial product and market intelligence, supporting financial institutions, intermediaries and consumers to make smarter financial decisions.
The underwriter of your car insurance policy will be provided from our panel of insurers.
AA Car Insurance is arranged by Automobile Association Insurance Services Limited. Registered office: Level 3, Plant, Basing View, Basingstoke, Hampshire RG21 4HG. Registered in England and Wales number 2414212.
Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Register number 310562.
* AA Multi-Car Discount terms and conditions
AA Car Insurance customers who insure additional cars at the same address can benefit from a 15% Multi-Car Discount (the discount).
The following terms tell you how the offer works.
1. Eligibility for the discount
- The discount is available to anyone living at the same address of an AA Car Insurance policyholder.
- At least one other car registered at the address must already be insured with The AA.
- The discount applies when a new AA Car Insurance policy is purchased for another car registered at the address.
- This discount is available for up to 5 additional cars registered at the address.
- The discount is based on car insurance prices from theAA.com.
- The discount is subject to The AA providing a quote based on the information you provide.
- By purchasing AA Car Insurance with the discount, you confirm you meet the eligibility criteria. The AA may ask for proof before providing a Multi-Car Discount quote.
2. How the discount is applied
- The discount is available when you get a quote via this page or another route where this offer and terms are shown.
- The discount applies when your personal details match the address of an existing AA Car Insurance policy. If they don't, we may not be able to apply the discount automatically.
- The quote price will automatically include the discount. The discount applies only to the core car insurance premium and not to any optional additional cover.
3. Where the discount isn't available
- The discount can't be applied to existing policies, or with other offers or discounts, except at renewal.
- This discount isn't available through price comparison websites or cashback sites. Other offers from The AA may be available on those sites.
4. When the discount starts and continues
- The discount applies from the start of an additional new car insurance policy.
- The value of the discount, if applied, may vary for a mid-term policy adjustment.
- At renewal, the discount will be applied automatically so long as you're still eligible and meet the terms current at that time.
- If you no longer meet eligibility criteria the discount may be removed.
- The AA may change or withdraw the discount at any time without notice.
Updated March 2026
The terms may change from time to time, so check this page for the latest version.
Get a Multi-Car Discount quote
0330 053 0243
Lines are open Monday to Friday 8am to 7pm, Saturday 9am to 5pm.