Cheapest Ways to Bundle Insurance Policies in the UK and Save Money

Many UK households are overpaying for insurance simply because they take out separate policies for car, home, travel or pet cover — all with different providers. But bundling your insurance policies with one provider can unlock multi-policy discounts, streamline admin, and in some cases, boost your level of cover for less.

However, bundling isn’t always cheaper — and blindly combining cover can mean missing better standalone deals elsewhere. In this guide, we break down how bundling insurance works in the UK, when it makes sense, how to do it right, and how to spot offers worth taking.

What Is Bundled Insurance?

Bundled insurance is when you take out more than one policy with the same insurance provider. Most UK insurers offer discounts or added benefits when you purchase multiple products with them.

Common insurance bundles include:

• Buildings and contents home insurance

• Car and home insurance

• Travel and home insurance

• Car and breakdown cover

• Pet and home insurance

The idea is simple: by consolidating your insurance under one roof, you could pay less overall than you would with separate providers — and simplify your paperwork at the same time.

What Are the Main Benefits of Bundling Insurance?

Bundling can lead to meaningful savings, but that’s not the only benefit:

• Multi-policy discounts – usually 5–20% depending on the provider

• One renewal date – easier to manage your policies

• Fewer admin fees – especially when making changes

• Streamlined claims process – particularly for related events (e.g. storm damage to car and home)

• Loyalty perks – like enhanced cover or cashback

Read our guide on: Best UK Cashback Sites for Everyday Spending

Read our guide on: How to Get the Cheapest Home Insurance in the UK

Which UK Insurers Offer Multi-Policy Discounts?

Many mainstream and specialist insurers in the UK offer bundling incentives. These may not always be advertised upfront — some are only revealed during the quote or renewal process.

Providers known to offer bundling perks include:

• Aviva – multi-policy discounts and online quote savings

• Direct Line – bundled car/home deals with exclusive extras

• LV= – 10% discount on additional policies

• Admiral – MultiCover policy for car and home combined

• Saga – tailored bundles for over 50s including travel

• Tesco Bank – Clubcard prices and discount for existing customers

Always compare both bundled and standalone options to ensure you’re genuinely saving.

Cheapest Insurance Bundles That Usually Make Sense

Not all bundles offer value — but some combinations are more likely to save you money than others.

1. Buildings and Contents Insurance

Buying these separately often costs more. Combined policies also simplify claims for property damage.

Read our guide on: What is Contents Insurance and Do You Need It?

2. Car and Home Insurance with the Same Provider

Providers like Admiral offer MultiCover that allows you to add a second car or home any time during the year and still keep one renewal date.

3. Pet and Home Insurance

Less common but increasingly offered by newer insurers — ideal for households with multiple pets.

4. Travel Insurance Bundled with Home or Bank Account Insurance

Some packaged bank accounts include annual travel insurance and breakdown cover, which can be far cheaper than separate policies.

Unique Insight: Overlooked Bank Account Insurance Bundles

Many high street banks offer packaged accounts with built-in insurance perks, which can be significantly cheaper than standalone policies — especially for travel and breakdown cover.

For example:

• Nationwide’s FlexPlus includes worldwide travel insurance, mobile phone cover and UK & EU breakdown cover for one monthly fee.

• Barclays’ Travel Pack adds travel and breakdown cover to current accounts.

If you’re already paying monthly for travel or breakdown insurance, switching to one of these accounts can unlock savings and consolidate your policies.

Read our guide on: How to Choose the Best Bank Account for Your Lifestyle

When Bundling Insurance Might Not Be Worth It

While bundling often brings savings, there are key situations where it might not make sense:

• You have unique or high-risk needs (e.g. modified car, listed property, specialist pet breeds)

• You qualify for specialist rates elsewhere (e.g. student, new driver, over 70)

• You’re switching insurers mid-term — bundling could limit flexibility

• The bundle includes unnecessary extras you won’t use

• Individual policies elsewhere are significantly cheaper

Always compare bundled quotes against at least two standalone policies using comparison sites and cashback platforms.

How to Compare Bundled vs Standalone Insurance Deals

To make sure you're actually saving money when bundling, follow these steps:

1. Use comparison sites like MoneySuperMarket, Confused.com, and GoCompare to get standalone quotes.

2. Check the insurer’s website directly — sometimes exclusive discounts apply.

3. Look for cashback offers on sites like TopCashback or Quidco.

4. Compare total costs after discounts and cashback, not just initial premiums.

5. Review cover levels — some bundled policies reduce limits or have higher excesses.

Read our guide on: Cheapest Ways to Compare Insurance Deals Online

Read our guide on: Annual Home Insurance Review Checklist

How to Bundle Insurance Policies in the UK

The process varies slightly depending on the provider, but in most cases, you can:

• Add new cover during the quote process or via your online account

• Call your insurer to ask about multi-policy discounts

• Combine cover mid-term if the provider allows flexible policy dates

• Switch everything at renewal for a clean bundled start

Tip: Some providers offer the biggest discounts if you bundle at the same time — so consider timing your switch around renewal dates.

Frequently Asked Questions (FAQs)

Is bundling insurance always cheaper in the UK?

No. While bundling often saves money, it’s not guaranteed. Always compare standalone deals to ensure you're not overpaying.

Can I bundle insurance with two different insurers?

No — bundling only applies when taking out multiple policies with the same provider.

Do all insurers offer multi-policy discounts?

No. Some do, some don’t. Check each provider’s offers or ask them directly.

Can I cancel part of a bundle without losing the discount?

In most cases, cancelling one policy in a bundle may void your discount. Always check the terms before cancelling.

Does bundling affect claims?

Bundling can simplify claims, especially if the same event impacts multiple policies (e.g. flooding damages both car and home). However, it won’t always speed up payouts.

Final Thoughts: Is Insurance Bundling Right for You?

Bundling insurance policies can be one of the easiest ways to cut your household costs — especially when dealing with big annual expenses like car or home insurance. The convenience of having one provider, fewer forms to complete, and one renewal date also reduces stress and admin.

However, bundling isn’t a silver bullet. If you blindly accept bundled deals without comparing, you could miss out on better cover or cheaper prices elsewhere. The smart approach is to compare both options side-by-side — factoring in cashback, discounts, coverage levels, and flexibility.

For many households, the ideal setup might be a mix: bundle where the value is clear (e.g. home insurance), and go solo when specialist needs or better deals exist. With the right mix — and regular reviews — you can keep your cover tight and your premiums low.

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