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Sterling car insurance is arranged by Sterling Insurance Services, an insurance intermediary authorised and regulated by the Financial Conduct Authority (FCA) under Firm Reference Number 309073. Sterling helps drivers obtain car insurance by arranging policies with a panel of insurers. The insurer underwriting the policy depends on the quote selected.

Sterling offers several specialist policies, including cover for mature drivers, non-UK residents, expats and vehicles with limited mileage. Prices advertised on the Sterling website indicate that standard car insurance may start from around £125 per year, although the final premium depends on individual circumstances, vehicle details and the insurer providing the cover.

Drivers should always review their policy documents before purchasing to understand cover limits, exclusions and optional extras.

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What Is Sterling Car Insurance and Who Provides It?

Sterling Insurance Services acts as a broker rather than an insurer. This means Sterling arranges an insurance policy with insurers that agree to provide the cover.

Key regulatory information:

Detail Information
Provider Sterling Insurance Services
FCA regulation Authorised and regulated
FCA reference number 309073
Role Insurance intermediary
Policy underwriter Varies by insurer

When obtaining sterling car insurance, the insurer underwriting the policy is responsible for handling claims and issuing the final policy documents.

What Types of Car Insurance Are Available Through Sterling?

Sterling arranges a range of specialist car insurance products designed for different drivers and vehicle uses.

Examples of policies available through Sterling include:

Each policy type is designed to meet different needs depending on how the vehicle is used.

What Types of Car Insurance Are Available Through Sterling

What Levels of Cover Are Available With Sterling Car Insurance?

Like most UK car insurance policies, Sterling may arrange three main cover levels depending on the insurer.

Cover Level What It Usually Covers
Comprehensive Damage to your car and third-party liability
Third party fire and theft Fire damage, theft and third-party claims
Third party only Damage caused to other vehicles or property

The level of protection and pricing will vary based on the insurer, the vehicle and the driver’s individual circumstances.

What Optional Extras Can Be Added to a Sterling Car Insurance Policy?

Some policies arranged through Sterling may include optional extras that increase the level of protection.

Common extras may include:

Optional Extra Description
Breakdown cover Roadside help if your car stops working
Keycare Protection if keys are lost or stolen
Misfuelling cover Assistance if the wrong fuel is added
Windscreen cover Repair or replacement of damaged glass

These extras may affect the pricing of the policy and are subject to the insurer providing the cover.

Does Sterling Offer Black Box Car Insurance?

Yes. Sterling offers black box car insurance, also known as telematics insurance. A small device is installed in the vehicle to monitor driving behaviour.

Safe driving may lead to reduced premiums. Some telematics policies advertised by Sterling mention potential premium reductions of up to 60% depending on driving performance.

This type of car insurance is often used by younger drivers or those looking for a good price based on their driving behaviour.

What Is Sterling Car Insurance for Mature Drivers?

Sterling offers specialist car insurance policies for mature drivers, including drivers aged over 50 or over 70.

Example starting prices mentioned on Sterling’s website include:

Policy Type Advertised Starting Price
Mature driver insurance From around £295
Over 70s insurance From around £325

The final premium depends on the driver’s history, vehicle type and insurer underwriting the policy.

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Can Non-UK Residents Get Sterling Car Insurance?

Yes. Sterling offers car insurance for non-UK residents, which may be suitable for drivers visiting the UK or staying temporarily.

Policies for non-UK residents have been advertised from around £495, depending on the vehicle and driver details.

This type of cover may be relevant for drivers such as:

  • International students
  • Temporary workers
  • Visitors staying in the UK for several months

Drivers must provide the required paperwork and proof of driving history when applying.

What Is Sterling Expat Car Insurance

What Is Sterling Expat Car Insurance?

Expat car insurance arranged through Sterling is designed for drivers who live abroad but keep a vehicle registered in the UK.

Policies may provide cover for vehicles used during visits to the UK or stored for long periods.

Drivers may also need to provide documentation such as:

  • Passport information
  • UK address details
  • Proof of driving history

The availability of expat insurance depends on the insurer underwriting the policy.

What Is Limited Mileage Car Insurance?

Limited mileage car insurance is designed for drivers who use their vehicle less frequently.

This type of policy may suit drivers who:

  • Work from home
  • Use a vehicle mainly for hobbies
  • Drive only occasionally

Lower annual mileage may result in lower premiums depending on the insurer and the driver’s profile.

What Is Laid-Up or SORN Car Insurance?

Laid-up or SORN car insurance is designed for vehicles that are not being driven on public roads.

SORN stands for Statutory Off Road Notification. Vehicles declared SORN are not legally allowed on public roads.

Laid-up insurance may cover risks such as:

  • Fire
  • Theft
  • Damage while the vehicle is stored

This policy type may be suitable for cars stored for long periods.

Does Sterling Offer European Car Insurance?

Yes. Some policies arranged through Sterling may allow driving in Europe for limited periods.

Typical European cover periods mentioned include:

European Cover Period Notes
30 days Included depending on policy
60 days May be available with some insurers
90 days Available depending on policy selection

Drivers may also need a Green Card when travelling internationally depending on the country visited.

What Is Banger Rally Car Insurance?

Banger rally car insurance is designed for drivers participating in long-distance rally events using older vehicles.

These events often involve driving across multiple countries. Insurance for these rallies may include European driving cover and other specialist policy conditions.

The availability of this cover depends on the insurer and event requirements.

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How Are Claims Handled With Sterling Car Insurance?

Sterling states that a 24-hour claims hotline is available to assist drivers when a claim is needed.

The typical claims process includes:

  1. Contacting the claims line
  2. Providing details of the incident
  3. The insurer reviewing the claim
  4. Repair or settlement depending on the policy

The insurer underwriting the policy will handle the claim according to the terms in the policy documents.

What Customer Service Options Does Sterling Provide?

Sterling offers several customer service options for policyholders.

Support options may include:

  • Phone support
  • Online enquiries
  • Online chat on the website
  • Contact through emails

Customers may also access their policy through an online portal, where they can view information about their insurance policy and documentation.

What Customer Service Options Does Sterling Provide

What Should You Check Before Buying Sterling Car Insurance?

Before buying a policy, it is important to review key details carefully.

Drivers should check:

  • Cover level
  • Optional extras such as breakdown cover
  • Excess amounts
  • Policy exclusions
  • Renewal terms

Reviewing the policy documents helps ensure the policy meets the need of the policy before purchase.

Review policy features and cover details →

What Do Trustpilot Reviews Say About Sterling Car Insurance?

Feedback from reviewers on platforms such as Trustpilot can include both positive and negative experiences.

Examples of positive aspects mentioned in reviews may include:

  • Helpful staff
  • A smooth process when arranging cover
  • Quick response to enquiries
  • Support from the right person when resolving issues

Some reviews may also mention mixed feedback regarding communication, including the usual amount of calls, lot of emails, or delays in responses.

Trustpilot publishes a trustscore based on customer feedback and trustpilot review ratings.

Reading reviews can help drivers understand other customers’ overall service experiences before choosing an insurer.

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How Do Renewal and Cancellation Work With Sterling Car Insurance?

When your car insurance policy ends, the insurer may send a renewal quote.

Drivers should review the renewal details carefully before accepting. This allows them to check whether the pricing or cover has changed.

If a policy is cancelled, the driver may request a refund depending on the policy terms. Cancellation rules, including fees and refund conditions, are explained in the policy documents.

Frequently Asked Questions About Sterling Car Insurance

No. Sterling Insurance Services is an insurance intermediary. It arranges car insurance policies with insurers that provide and underwrite the cover.

Drivers can contact Sterling Insurance Services directly or request a callback through the Sterling website. Car insurance quotes are arranged based on the driver, vehicle and individual circumstances.

Yes. Drivers can compare car insurance quotes from different insurers. This helps review pricing, cover levels and optional extras before choosing a policy.

Breakdown cover may be available as an optional extra. Availability depends on the insurer providing the insurance policy and the cover selected.

Sterling states that quotes may be available for drivers with previous convictions. Approval depends on the insurer and the driver’s individual circumstances.

Details of the cover are listed in the policy documents issued by the insurer. These documents explain the terms, exclusions and claims process.

Sterling does not publish fixed discount codes or seasonal offers. Some policies advertise car insurance from around £125 per year, depending on the driver, vehicle and individual circumstances. Prices vary between insurers, so drivers should compare quotes before choosing a policy.

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Page last updated on: 16/03/2026

Page reviewed by: Andrea Troy

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