Your personal finance questions – Multi-car insurance, tax deductions and financial recovery from gambling addiction

Q What’s wrong with multi-car insurance policies? We have three cars in our house – mine, my husband’s and my daughter’s. I think we should be able to negotiate a good rate by placing all of our business with one insurer. The only thing is that my daughter is back in college as a mature student from September so she will be spending three nights a week in Dublin. I don’t know if that would be a problem.

A A multi-car policy is, as the name suggests, an auto insurance policy with a single insurer, which covers multiple vehicles owned by people in the same household. They offer discounted rates to policyholders, so they’re certainly profitable, says Deirdre McCarthy of

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