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What are the benefits of combining insurance cover?

Whether you live in a multi-car household or have a holiday home in addition to your main residence, it’s important to have a sufficient level of insurance for your assets. Although it’s possible to take out cover on multiple cars and properties individually, it’s worth thinking about being insured by a single company.

Choosing a more inclusive policy can be especially useful when it comes to protecting goods that have a high financial worth. Doing so will mean you can be sure you’re always covered, as well as deliver a range of other benefits. Read on to find out what these are.

Save time

Perhaps one of the biggest plus points to consolidating the number of companies you are insured with is that it can save you a substantial amount of time.

Think about it – having more than one insurance provider for your fleet of cars means you have to spend a greater amount of time on the phone whenever you want to renew a policy or you have a question that affects all the vehicles that you own.

Rather than having to contact a string of companies to ask them the same questions, choosing to combine individual car policies into a contract with one firm means you should have only have to make a single phone call or send one email whenever you have got a query.

Save money

Another great benefit to combining policies from a range of insurers into a single product is that it offers the potential for you to save a substantial sum of money. As its name suggests, a multi-car policy enables you to insure more than one vehicle (often up to five) with the opportunity to receive a discount depending on the number of cars that are covered.

If you are considering taking out multiple-car insurance cover, however, you should bear in mind that this does not automatically give you (or other people in your household) the right to drive each vehicle that is in covered under the policy. You can only do this if you’re a named driver, so if you want to be legally covered to get behind the wheels of all the cars in your home, you’ll need to make this clear.

Alternatively, you might want to think about incorporating insurance for your second home into the cover for your main property. If you have built up a claims-free period on either residence, you could negotiate a discount, while you may also want to add family annual travel insurance. Do the latter and you won’t have to shell out on holiday cover each time you go away, something which can be costly if you have more than one break a year.

No matter if you want to ensure your overseas holiday villa has a similar level of protection to your UK home or are keen to get a multi-car policy to protect your collection of luxury vehicles, it’s worth contacting specialist brokers like Certis Insurance. Companies such as these are able to offer tailored insurance solutions so you’re able to get comprehensive policies that are suitable for your specific needs.

What experiences have you had when searching for insurance? Let us know by leaving a comment below!

 

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