Car insurance multi-policy discounts
If you hold more than one insurance policy with the same provider, you may be eligible for a discount.
When you hold multiple insurance policies with one insurer, sometimes they will discount one of the products as the result of this. For example, if you have car insurance, home insurance and pet insurance with the one provider - they may discount one of those bills.
Below, we've collated a list of providers with these multi-policy discounts.
| Fund | Multi-policy discount |
|---|---|
| APIA | Combine two or more eligible policies to get 10% off each. |
| Bupa | 15% off for Bupa Ultimate Health Insurance members; 10% off for other Bupa Health Insurance members. |
| GIO | Combine 3 or more eligible policies with GIO to get 10% off. |
| NRMA | Various discounts depending on the number of policies you hold with NRMA. |
| RAA | Hold 3 or more eligible policies with RAA (excluding Travel Insurance) for a 10% discount on each policy. |
| RACQ | Combine three or more eligible policies to earn up to 5% off. |
| RACT | 10% premium discount may apply if you combine comprehensive car insurance with home and contents insurance. |
| Shannons | Policyholders may get a discount of up to 10% for their home and contents insurance. |
| Suncorp | If you hold three eligible Suncorp policies, a discount of 15% on each may apply. For more information about discounts you may be eligible for, visit Suncorp. |
Last updated December 2025
What can I group together?
The most typical multi-policy discount offered is for car insurance paired with home insurance. As home insurance costs more than car insurance, you benefit from the saving you make on a more expensive premium and the insurer benefits from selling you a more expensive product.
Other multi-policy discounts typically offered with car insurance include vehicle-related policies such as caravan insurance, trailer, motorcycle insurance and boat insurance. Discounts are also often available for multiple cars which are garaged at the same address.
And because these are all insurance products you would probably have to purchase anyway, being able to group them together in this way means you benefit from cheaper overall cover.
How do I get a multi-policy discount?
The easiest way to get a multi-policy discount is to approach your existing insurer, or if they do not offer such discounts, to shop around and switch to an insurer that does.
Look for one that offers discounts for all the types of insurance you need and is offering a higher discount than its competitors. But make sure you are getting the same level of cover before you switch by comparing the product disclosure statements of your current and new policies.
Is it always better value?
How much you save with multi-policy discounts will depend on your insurer and on the types of policies you bundle together.
As a general rule, you will save more with a discount on a more costly product such as home insurance than you will with the same discount on a cheaper policy such as trailer insurance. Many insurers also offer larger discounts on more expensive products to encourage you to buy (i.e. 15% on home insurance compared with 10% on trailer insurance).
But as with all insurance purchases, it pays to shop around because if one insurer charges more for the same product than another, then any multi-policy discount they offer will only bring the cost down to the same price as its competitor. So look for value for money first and then factor in your multi-policy discount.
FAQs
Sources
More resources on Finder
More guides on Finder
-
Mobile phone use while driving statistics – Australia
Drivers who text are 10 times more likely to crash yet a large number of Australians still do it.
-
High risk car insurance
Learn the factors that may cause you to be considered a high-risk driver and whether you might be eligible for cover.
-
RACQ Roadside Assistance Review
RACQ offers strong benefits and service, but drivers can expect to pay higher premiums and a joining fee.
-
Car Insurance ACT
Living in the ACT? Here’s all you need to know about car insurance.
-
Rideshare car insurance
Find out what car insurance options are available for rideshare drivers, including Ubers.
-
Can DUI offenders get car insurance?
Your guide to car insurance when you've been convicted of drink driving.
-
Learner driver insurance
Complete guide to getting car insurance for learner drivers in Australia.
-
Car insurance in South Australia
Compare car insurance policies in SA and get a quote online.
-
Short term car insurance Australia
Find out what short term car insurance options are available in Australia.
-
Switching car insurance
Is it time to make the switch? If you're not happy with your current car insurance provider then the answer might be yes.