Two cars can be insured on separate policies or, where available, under a multi-car arrangement. The treatment of no-claims discounts and the total premium differs between insurers.

How insurers commonly treat this

• A no-claims discount is usually linked to one policy rather than simply duplicated across two separate policies.
• Some insurers offer mirrored or introductory discounts on an additional vehicle.
• Multi-car and separate-policy quotations can have different excesses, cover and renewal dates.

What the quotation may ask for

Quotation forms use the information supplied to determine which insurers can offer cover and on what terms. Where the available answer does not accurately describe the circumstances, the insurer or comparison provider can clarify how that information is recorded.