How good is Sterling car insurance?
Sterling Insurance offers a variety of car insurance policies, including options for young drivers, black box insurance and short-term cover. Youâll get a number of key benefits with Sterling car insurance, such as legal protection up to ÂŁ100,000 on all policies, European cover for up to 90 days, and optional extras like key care and breakdown cover.
Sterling also offers specialist car insurance policies for classic cars and modified cars as well as motorhomes. Its claims hotline operates 24/7, and theyâre highly rated by customers with a 4.3 score on Trustpilot and three stars on Defaqto.
How much does Sterling car insurance cost?
The average price for fully comprehensive cover across all Sterling insurance policies depends on a number of factors - including which level of insurance you choose:
Fully Comprehensive
ÂŁ427^
Third party, fire & theft
ÂŁ345^
Third party only
ÂŁ383^
What types of car insurance can I get with Sterling?
Sterling offers three types of car insurance.
What extras can I add to my Sterling car insurance?
There may be limitations, conditions and restrictions to the below. Your policy documents will have the full information.
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Breakdown cover and home-start
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Key care
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Misfuelling
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Windscreen cover
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Independent agreed value cover
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Cover for driving other cars
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Left hand drive models
How do I cancel my Sterling car insurance?
đ© You will not get any money refunded if you have already made a claim on your car insurance
đ© Cancelling your car insurance policy with Sterling after the cooling off period will result in a ÂŁ37.50 fee.
If you want to cancel your Sterling car insurance, youâll need to call them up first - you may even need to submit this in writing.
If youâve paid in full for the year and youâve already made a claim on your policy, itâs likely you wonât be refunded at all.
Iâm coming up for renewal
Youâll be able to call up at any point before your policy renews to let Sterling know that you donât want your cover to continue - there wonât be any charge.
Iâve just taken out a policy
If you cancel within the 14-day cooling off period, itâs likely youâll need to pay a âreasonable chargeâ for the time youâve been covered, while you should be fully refunded the cost of any supplementary cover so long as no claims have been made.
My policy has auto-renewed.
If your policy has just renewed, you can cancel within the cooling off period of 14 days and get a full refund, minus a âreasonable chargeâ for the time youâve been covered.
How do I contact Sterling?
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By phone
You can reach Sterline on 0333 259 0052 - its customer service hours are Mon-Fri 9am-6pm, Sat 9am-2pm
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By email
You can also email their customer service team at contact-us@sterlingcar.co.uk
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By mail
You can write to Sterling at Sterling House, Hallingbury Road, Bishops Stortford, Hertz, CM23 5LY
Frequently Asked Questions
Who underwrites Sterling insurance?
Sterling car insurance is underwritten by Trinity Lane Insurance Company Ltd.
Can I add other drivers to my policy?
You should be able to add other drivers to your policy, but youâll need to contact Sterling directly to make sure.
Can I pay in monthly instalments?
Yes, Sterling allows you to pay for car insurance in monthly instalments.
What other insurance does Sterling sell?
Alongside car insurance, Sterling offers a number of other insurance products:
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Reviewed on 5 Mar 2026
Annual Savings based on average monthly bill of ÂŁ35.33 from nationally representative sample (1000) vs our cheapest average monthly cost for Virgin Media (>300Mbs). Moneysupermarket data correct as of 09/02/2026.
Accurate as of 05 March 2026.
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from âWhich of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?â Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
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Based on the median annual price of third party only car insurance policies sold through MoneySuperMarket in January 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2026.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in January 2026.
