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Multi-policy discounts for car insurance

The table below shows car insurance policies from our Online Partners that offer a multi-policy discount. Conditions may apply.

Joshua Sale
Joshua SaleGM, Research
Alasdair Duncan
Alasdair DuncanContent Editor
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Updated 09 Jul, 2025
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We couldn’t find any results from our Online Partners.

If you want to keep comparing, here are products from other providers based on your search.

GMCU
GMCU | Comprehensive
gold stargold stargold stargold stargold star

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NRMA Insurance
NRMA Insurance | Comprehensive
gold stargold stargold stargrey stargrey star

Link Not Supplied

NRMA Insurance
NRMA Insurance | Comprehensive Plus
gold stargold stargold stargrey stargrey star

Link Not Supplied

Shannons Insurance
Shannons Insurance | Comprehensive
Not Rated

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Suncorp Insurance
Suncorp Insurance | Comprehensive
gold stargold stargold stargrey stargrey star

Link Not Supplied

Suncorp Insurance
Suncorp Insurance | Comprehensive Advantages
gold stargold stargrey stargrey stargrey star

Link Not Supplied

Suncorp Insurance
Suncorp Insurance | Comprehensive Extras
gold stargold stargold stargrey stargrey star

Link Not Supplied

Everyday Insurance
Everyday Insurance | Comprehensive
gold stargold stargold stargrey stargrey star

Link Not Supplied

GIO
GIO | Comprehensive
gold stargold stargold stargrey stargrey star

Link Not Supplied

GIO
GIO | Platinum
gold stargold stargrey stargrey stargrey star

Link Not Supplied

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Canstar Star Rating

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The initial results in the tables above are sorted by Star Rating (High-Low), then Provider Name (Alphabetical). Additional filters may have been applied, see top of table for details.

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About multi-policy insurance discounts

One way to save on your car insurance could be to bundle it together with other insurance products, such as home insurance.

How do multi-policy insurance discounts work?

Several insurers offer discounts on your insurance premiums if you take out multiple policies with them. This is known as a multi-policy discount, and is intended to create loyal customers. Depending on the provider, this saving may apply to all of your policies, or any policies you take out subsequent to the first.

What are the potential pros and cons of bundling insurance for a multi-policy discount?

As with any financial decision, it may be wise to weigh up the potential advantages and disadvantages of insurance discounts before signing up. This could include comparing your options and obtaining multiple quotes to get a clearer picture of whether or not a multi-policy discount is worth it.

Potential advantages:

In addition to lowering your premiums, having multiple policies with one insurer may also help to streamline your insurance and make your policies easier to manage.

You’ll only have one company to deal with when it comes to payments and renewals, and if you need to make a claim, it’s likely that you’ll go through the same process for some of the different types of insurance. This could mean that you only need one insurance app, for example, rather than multiple apps to manage different policies.

There may also be other compounding benefits, such as being able to add on other discounts after a multi-policy discount has been applied.

And if you needed to apply for financial assistance or relief from payments due to hardship, you would only need to deal with that one provider to make arrangements, rather than multiple providers.

Potential disadvantages:

Opting to bundle insurance with the one provider limits your choice.

For example, you may not be able to access the add-on insurance you need if the provider you’ve chosen to bundle multiple policies with doesn’t offer it. In this case, you may have to find an alternative insurer and potentially miss out on discounts and benefits, or forego the coverage you need.

It’s important to weigh up whether skipping the discount by taking out policies with different insurers might be cheaper, as well as if it would provide better coverage for your needs.

There may also be a limit on what discounts can apply to your policies, which may reduce the impact of the multi-policy discount (or other discounts). There may also be eligibility requirements, such as having to hold a specific type or number of policies before the discount kicks in.

What types of insurance policies can you expect to get a discount on?

There are discounts that could be applied to many different types of insurance policies, for a range of reasons. These could include:

  • multi policy discounts, and ‘combining’ similar insurance policies (such as home and contents insurance)
  • buying the policy online
  • being a new customer
  • renewing within a certain timeframe
  • paying yearly instead of monthly
  • ‘no claims’ bonus or discount
  • Insurance-specific discounts, such as for being a ‘good driver’ or only driving ‘low kilometres’ for car insurance, or being a non-smoker for life insurance.

What types of insurance can you bundle for a discount?

Multi-policy insurance discounts encourage consumers to be loyal to one provider. When it comes to bundling policies to save on premiums, depending on the provider, there are possible multi-policy discounts available for products such as:

Other car insurance discounts

You can compare the features of comprehensive car insurance policies that offer a multi-policy discount using our comparison table. Adjust the selections to suit your needs.

There could also be other discounts available to you on car insurance. Examples could include:

  • discount for low kilometres
  • discount when purchased online
  • good driver discount
  • no claims discount (offered at purchase).

Canstar roundup: Latest deals, discounts and offers

Frequently Asked Questions about Multi-Policy Discounts

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Alasdair Duncan,Content Editor

Alasdair Duncan

Alasdair Duncan is Canstar’s Content Editor, specialising in car insurance and other general insurance topics as well as home loans and broader finance topics. He has written more than 500 articles for Canstar and his work is widely referenced by other publishers and media outlets, including Yahoo Finance, The New Daily, The Motley Fool and Sky News. He has featured as a guest author for property website homely.com.au. In his more than 15 years working in the media, Alasdair has written for a broad range of publications. Before joining Canstar, he was a News Editor at Pedestrian.TV, part of Australia’s leading youth media group. His work has also appeared on ABC News, Junkee, Rolling Stone, Kotaku, the Sydney Star Observer and The Brag. He has a Bachelor of Laws (Honours) and a Bachelor of Arts with a major in Journalism from the University of Queensland, and has completed a RG146 compliance training course. When he is not writing about car insurance for Canstar, Alasdair can probably be found at the beach with his two dogs or listening to podcasts about pop music. You can follow Alasdair on LinkedIn.


Joshua Sale,GM, Research

Joshua Sale

Josh Sale leads the team responsible for developing and delivering Canstar’s Car Insurance Star Ratings and Awards, helping consumers navigate the complex world of insurance with confidence. With a degree in economics and finance, a masters degree in data science, and almost a decade of experience at Canstar, Josh has played a pivotal role in shaping the transparent, data-driven methodologies behind Canstar’s comparisons.

In 2019, he spearheaded the launch of Canstar’s Most Satisfied Customer Awards for Car Insurance, recognising providers that excel in customer satisfaction – a valuable complement to Canstar’s expert-led Star Ratings. Josh sits on the Canstar Star Ratings Committee and collaborates closely with the insurance industry to ensure ratings reflect evolving consumer needs and market dynamics.

A regular media spokesperson, Josh has provided expert commentary to The Australian Financial Review, Money Magazine, news.com.au, and other national outlets. He also holds the RG146 Tier 2 General Insurance qualification, equipping him to offer general advice on insurance products with confidence and accuracy.

Driven by a passion for consumer empowerment, Josh is dedicated to helping Australians make better financial decisions by cutting through the complexity and spotlighting the real differences between providers.

Important Information

For those that love the detail

This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.