Car Insurance in Northern Ireland
Cover for all of life’s journeys
How to get car insurance from Sterling NI
Give us a call
We do all the legwork for you over the phone; just tell us about yourself and your car and we’ll do the rest.
We listen to your needs
You can select any extra benefits you need, of which we offer a wide array, including breakdown cover, keycare, and windscreen cover.
We ask the right questions
We know the information that makes you more attractive to insurers, allowing us to ask the right questions to ultimately reward you with cover that more accurately reflects your driving history.
Get tailored car insurance in Northern Ireland from just £175.
Car insurance from our accommodating team
We know that renewing your car insurance policy isn’t the funnest activity in the world, which is why we try to make the process as pain-free as possible.
At Sterling NI, we work a little differently than your typical insurance provider. As we’re an insurance broker, we search for what’s best for you. We select quotes from a range of underwriters to ultimately help you find a policy that’s right for your needs.
We work closely with insurers, meaning we know the driver-vehicle combinations they find more favourable. This helps us ask you the right questions to ultimately help you get a quote that more accurately reflects your driving history.
Speak with a member of our friendly team over the phone and they’ll compare quotes for you.
Why choose Sterling NI's car insurance?
There are numerous reasons why you should choose Sterling NI for your car insurance:
All types of vehicles covered
Whether you own a Hyundai Tucson, a Ford Puma, a VW Polo, or any of the other multitude of cars available in Northern Ireland, we can find cover that suits your needs.
Cover in all parts of Northern Ireland
We cover all areas of Northern Ireland, including Belfast, Derry, Craigavon, Bangor, Lisburn, Castlereagh, Ballymena, Armagh, Carrickfergus, and more.
Legal protection included
Our legal cover is a standard part of our car insurance policies. If you’re ever involved in an accident that wasn’t your fault, this can help you recover any out-of-pocket expenses.
Cover for the rest of the UK, the Republic of Ireland, and other parts of Europe
If you regularly venture outside of Northern Ireland, we can cover you in the rest of the UK as well as Europe and other parts of the world. Most policies include up to 90 days in Europe, but we can also add European cover if you want to be covered for longer trips.
Protected no claims bonus
We can protect your no claims bonus, so even if you do need to make a claim, your discount remains the same.
Claims hotline open 24/7
Sterling NI’s claim line is open 24 hours a day, 365 days a year. If you need to make a claim, we’re here to take your call.
Which type of insurance should I get?
Fully comprehensive
This is the highest level of protection you can get and protects your vehicle regardless of who is at fault. It can often be more competitively priced than the lower levels of cover on offer, so it’s always worth getting a quote.
Third-party, fire and theft
This covers damage to other people, their cars and their property, as well as your vehicle in the event it gets stolen or damaged by fire.
Third-party only
This will only cover damage to other people, their car, or their property in the event of an incident. This cover is the minimum level of cover you can get.
Frequently asked questions
The cost of your car insurance depends on many different factors, including the type of vehicle you drive, your driving history, and how you use your car.
The easiest way to find out how much your insurance premium will be is to call us for a quote. As an insurance broker, we’re on your side and no one else’s. We ask the right questions to better understand your needs, and compare policies to find one that’s right for you.
When it comes to car insurance premiums, Northern Ireland residents do tend to get the short end of the stick, with many facing higher insurance costs compared to their British counterparts.
This is because of a multitude of reasons. For example, not as many insurance providers operate in Northern Ireland as in other parts of the UK. There is also a higher proportion of younger drivers on NI roads, which tends to skew the average Northern Ireland car insurance costs.
Although many believe that third party only cover is usually the most cost-effective option, contrary to popular belief, fully comprehensive cover is often the most affordable type of cover. In general, people taking out fully comp insurance are less likely to get into an accident than those taking out lower levels of cover.
Yes, let us know a little about the cars you drive and we should be able to help you find cover for them all. We can offer discounts if you cover multiple vehicles with us.
We cover a variety of vehicles in Northern Ireland, including classic cars, vans for private and commercial use, modified cars, and more. If you aren’t sure whether we can cover your vehicle, call us and we can look into your case.
