More cars, more money to save: How 1st Central’s Multicar discount works

What is Multicar discount

Our Multicar discount lets you insure up to five cars under one account, whilst saving up to £50* on each car insured. While each car will have its own policy, you can manage them all together in one account, as long as they share the same email address. You can link your accounts in one of two ways: either when you purchase or by giving us a call. This makes life simpler, streamlines your admin, and unlocks extra savings.

At 1st Central, our Multicar discount is built to be flexible around all types of households. Whether you live with your family or friends, have different renewal dates, or have multiple cars, we’ve made it simple for you to get our Multicar discount on up to five cars when it suits you. As long as you all live under the same roof, we’ve got options for you.

Why it works for different households

We know that no two households are the same. That’s why our Multicar discount is:

•    Flexible: Insure cars at different times, even if they don’t all have the same renewal date.

•    Convenient: Manage and update each policy in one place.

•    Tailored: Each car has its own policy, so you don’t have to pay for multiple renewals at once.

Save up to £50 on each car you insure*

Here’s the exciting part: when you insure another car, you could save up to £50* per car. With up to five cars on one account, that’s a potential saving of £250 a year - just for keeping it all under one roof.

More cars = more savings. It’s our way of saying thanks for sticking with us and making your insurance smarter.

How to get started

Getting started is easy - whether you're using our website or Your Account:

Online via our website

1. Head here to get started
2. Tap 'Start a Multicar quote'.
3. Enter your existing policy number, fill in a few quick details, and in just a couple of minutes, you’ll see how much you could save.

Online via Your Account

1. Log in to Your Account to get started.
2. Go to the ‘Quote’ section and select Multicar.
3. Take a couple of minutes to fill in your details. That’s it!

Ready to simplify your insurance?

Whether you’re insuring a partner’s car, your teenager’s first ride, or a second family car, 1st Central’s Multicar discount is here to make it easier and help you save money too.

*Based on the average discount Multicar customers received through October 2024 - September 2025.

Multicar discount terms and conditions apply:

1. The additional policy must be purchased for the same address as your existing policy and applies to new policies only.
2. The exclusive discount, that can save up to £50, is only available on new quotes generated directly through 1st Central's website. The discount is included in the final quoted price shown, isn't cashback, and may be withdrawn at any time.
3. This discount can't be used in conjunction with any other offer.
4. The discount is taken off the additional car premiums only and not discounted off your first car policy and isn't transferable. All new quotations are subject to the current underwriting terms and we may be unable to fulfil some new quotes.
5. The multicar discount is available for up to five additional vehicles in your household.
6. Any policies purchased through the multicar discount remain separate policies and are subject to their individual terms and conditions.
7. This promotion is administered on behalf of 1st Central by First Central Insurance Management Ltd whose registered address is Capital House, 1-5 Perrymount Road, Haywards Heath, West Sussex, RH16 3SY.

For any queries please contact our Customer Service team.