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Martin Lewis explains how to save thousands on your car insurance

Multi-car insurance really is marmite. In a Facebook poll of 2,100 people I did recently, 40% with more than one car said multi-car won for them, 60% said separate policies did. And the differences can be startling. Get the opposite quotes to what you’ve already got firstThis is the simple rule of thumb. If you’re at renewal and are in a household with more than one car, and you’ve got a multi-car policy, then start by looking for the cheapest separate policies for each car. If you’ve got separate policies then start by checking multi-car insurance.This is because what tends to happen is multi-car newbies get hot offers to suck them in, then that advantage usually erodes at renewal.

Frustratingly, you can’t use comparison sites to do multi-car searches (some look like they do, but they just forward you to one insurer rather than doing a comparison). So instead, you have to do this manually as trial and error. Try as many of these as you can stomach…- Multi-car policies: Here all cars are on one policy. The big name in multi-car is www.admiral.com which would always be my start point, yet it’s not alone both www.aviva.co.uk and www.lv.com are players in this area as well. There are also a range of firms that in one way or another potentially offer those with multiple cars discounts. Yet here the cars aren’t all in one policy. They are separate policies where you get a discount. Therefore, the easy way to do this is to use a comparison site (see below) for each car and just keep a note of these firms’ prices for each vehicle.Plus as the discount is off each additional policy, insure the car with the cheapest premium first because you’ll usually get the discount on the next ‘additional’ (and subsequent) cars – and if they’re most expensive you save more. This can be especially useful for example if one car is for a young driver, and far more expensive than others.- Multi-policy discounts. Here the discount is for getting an additional policy, eg, it could be a car policy and a home policy, but two cars also counts. For this, try  www.directline.com (which isn’t on comparison sites) and www.churchill.com  – the discount varies.

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