Best Multi-Cover Car and Home Insurance 2025: Expert Guide

Shopping around for the best insurance policies can be time-consuming, especially when buying multiple products. On top of that, you have the headache of managing your various insurance policies and juggling paperwork.

So, why not combine them? A multi-cover policy bundling great home insurance and good car insurance can save you hassle.

To help you find the best multi-cover car and home insurance, we’ve reviewed 3 top products from leading UK providers. Whether you’re protecting your family home and the car you rely on for the school run or your first property and a brand-new set of wheels, we’ve broken down the best choices so you can choose the right policy for you.

First, we’ll compare the leading providers, with a breakdown of their key features, to help you understand what’s available.

Our expert score: 5/5

Pros

Cons

LV=’s multi-coverage combines car and home insurance policies with many standard extras. For example, you can include misfuelling cover for your car and lock replacement for your home, while other providers charge extra. It’s the best multi-cover insurance for accidental damage cover and includes cover options for both car and home.

The bundle is flexible in terms of timing, as you can choose when you’d like your cover to begin—even if you need home insurance now and car insurance later. You can also add extra cars later. Like other multi-cover options, combining your insurance into 1 policy reduces your paperwork and saves money over buying them separately.

Why buy? Expert verdict

LV= is one of the UK’s biggest insurers, with a 180-year history of providing cover. Its breakdown cover won What Car?’s award in 2024, and it’s also a Which? recommended car insurance provider.

Its multi-cover offers many useful inclusions, and the flexible timing can remove pressure and complications from your buying decision.

✍️ Have you used this multi-cover car and home insurance? Leave your own or read more LV= car insurance reviews or LV= home insurance reviews.

Our expert score: 4/5

Pros

Cons

Admiral offers a multi-cover bundle that lets you combine plans from car, home, van, and landlord insurance policies. Simply select the options you’re interested in. For example, you might want different levels of contents cover for home or car insurance plans with extras like roadside breakdown and personal injury.

Admiral will create 1 policy with 1 set of paperwork and 1 renewal date, which means less to juggle. You can also check your documents on the online portal and app. If you need to add family members to your policy—your sibling’s car or your parents’ new property—you can do so easily. When family members claim, it won’t affect your no-claims bonus.

Given the ease of adding family to the policy, this may be the best multi-cover insurance for older drivers who want to cover multiple family assets.

Why buy? Expert verdict

Admiral has been in business for 30+ years and has more than 1 million home insurance customers. Its mission is to simplify customers’ lives, a goal reflected in its multi-cover offering.

Admiral offers a handy app for accessing your paperwork on the go and a sizeable bundle discount (up to £384 per year). It’s worth a look if you want to avoid the headache of buying separate policies.

✍️ Have you used this multi-cover car and home insurance? Leave your own or read more Admiral car insurance reviews or Admiral car insurance reviews.

Our expert score: 4/5

Pros

Cons

Direct Line offers a range of insurance options, making the multi-cover bundle versatile. It clearly outlines the discounts you can expect (5-10% depending on choices) for adding policies. If you have a busy lifestyle with pets, travel, and family, you could save significant money versus buying all your insurance policies from different providers.

The standard home insurance plan covers up to £1 million of buildings cover and up to £50,000 for contents. It also offers the option to add accidental damage and home emergency cover, among other extras. Its car insurance is similarly solid, with helpful inclusions like windscreen repair and the option to get a hatchback courtesy car if you use an approved repair service.

Direct Line is the best multi-cover insurance for young drivers. Discounts apply for smaller cars, secure parking, and anti-theft devices.

Why buy? Expert verdict

Direct Line provides insurance products and personal loans to millions of customers across the UK. The company prizes speed and simplicity. Home contents cover delivers replacement electronics—like phones, tablets, or laptops—within 2 hours of an approved claim, while home emergency cover sends a plumber within 3 hours.

Direct Line offers insurance that covers more than the basics and includes innovative options like the black box (DriverPlus). It personalises your policy by evaluating your driving and offering discounts for safe drivers, including young drivers. Direct Line could be worth a look if you want to get a few policies from the same provider but don’t mind having separate renewal dates.

✍️ Have you used this multi-cover car and home insurance? Leave your own or read more Direct Line car insurance reviews or Direct Line home insurance reviews.

In a nutshell, multi-cover car and home insurance does what it says on the tin and protects both your car and home. You might have 1 multi-cover policy or separate policies from the same provider with a discount applied for buying multiple products simultaneously.

With car insurance, you can purchase a third-party-only policy; a third-party, fire, and theft policy; or a comprehensive policy.

For home insurance, you can often purchase buildings and contents insurance separately or buy a combined policy.

The car insurance option that’s right for you may depend on your budget. TPO is usually the cheapest, whereas comprehensive is the most expensive. It can also depend on how much peace of mind you want. Remember that although TPO may be a more affordable option in terms of annual premium, you could have a hefty bill for repairing your car if you get into an accident.

Optional extras can help you cover other potential costs like repairing misfuelling damage or accidents while driving a vehicle other than your primary car.

For home insurance, consider whether you require buildings insurance. If you’re a mortgage holder, your provider will usually make this mandatory; however, if you own a leasehold flat, your landlord or freeholder likely already has it.

Anyone can get contents insurance, whether you’re a homeowner or a renter. Adding it to your multi-cover policy can help you repair or replace your possessions if the worst happens. You could also consider optional extras like accidental damage or home emergency, which can further help you meet unexpected costs.

A multi-cover policy usually includes the same things as the insurer’s separate plans. The details may differ according to the provider and your policy, but in general, home insurance will usually cover:

Other benefits are usually an optional extra unless included as standard. Here are just a few examples:

Car insurance can include:

When you’re researching multi-cover possibilities, you might want to consider the following:

Multi cover option

A single policy with 1 renewal date will reduce your paperwork and make it easier to keep track of your insurance. However, you might prefer separate policies with a multi-product discount to keep options open for changing providers for 1 or more of your plans.

Discount available

A multi-cover insurance policy typically includes a discount on the price of separate policies and different providers, but it’s worth getting quotes to compare.

Inclusions

Some providers include plenty of extras as standard, even in their most basic packages. Others may charge an additional fee for those options. You may want to identify what’s important to you and choose the option that includes those benefits.

Customer service

A provider with an online portal, app, or 24/7 phone line can be easier to contact than insurance companies that provide only a phone number and address.

We examined each provider’s standard car and home insurance options, checking whether they offer more expensive tiers and what’s included. We also requested quotes for a 10-year-old Classic Nissan Micra and a 3-bedroom semi-detached house in London, opting for comprehensive car cover and combined buildings and contents insurance.

Finally, we considered the provider’s history and reputation and how easily customers can contact them.

Combining car and home insurance is often cheaper, as many providers offer discounts when you add more cover to your policy. The exact price depends on what you want to include. Sometimes, combining won’t save money, so exploring the cost of separate policies from various providers might be worth the time spent.

To choose your multi-cover car and home insurance, consider the types of cover you need. This will help you find an insurer that provides these options. For example, if you have valuable items in your home, you’ll need a high level of contents cover. In addition, consider whether you want a single policy with 1 renewal date. Then, compare annual premium prices by getting a quote from each insurer.

Your home and car are likely your most expensive purchases and essential to your daily life. Protecting them with the best insurance for your circumstances can give you greater peace of mind and help you meet unexpected costs. You can also take advantage of discounts by purchasing a multi-cover policy or stacking insurance plans.

Our reviews of the best multi-cover car and home insurance options should give you a headstart in researching and choosing your provider and policy. You’ll be sleeping soundly at night and driving around with a smile before you know it!