On a standard insurance policy, you will not usually be able to insure more than one vehicle. However, other types of insurance policies may permit you to insure multiple vehicles. For example:
Multi-car policies typically offer cover for up to five vehicles under one single insurance policy, often with varying levels of cover for each vehicle. These policies are helpful if you have more than one vehicle in the household, as not only will you have one set of documents and one renewal date for all of your vehicles, but insurers will sometimes also offer discounts for adding more vehicles to your policy.
Fleet insurance is often available to businesses that have five or more motor vehicles. Usually you would need to be able to provide details of any licenced drivers that will be using the vehicles to your insurer.
On payment of an additional amount, the policy holder can often add vehicles onto the policy mid-term. This type of policy can be helpful to businesses that own multiple vehicles from an administration perspective, because all of their vehicles will have one annual renewal date and one set of policy documents. It’s can also be more cost-effective to certain businesses, because the more vehicles that are added to the policy, the more competitive the price is likely to be.
If you have fleet insurance, you should check with your insurance provider as to whose responsibility it is to update the Motor Insurance Database (MID). On a single car insurance policy, it is standard for insurers to update the MID on your behalf – this is one of the ways in which the authorities can track who is driving uninsured. However, with some fleet policies it will be your responsibility to update the MID with details of which vehicles are being added to or removed from cover.
One of the ways that you can check whether your vehicle is currently insured is here.