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Modified Car Insurance in Northern Ireland

At Sterling we know just how precious your modified car is, especially if you’ve modified it yourself. That’s why we offer affordable modified car insurance for Northern Ireland residents. Get a quote now – prices start from just £225 a year.

At Sterling we know just how precious your modified car is, especially if you’ve modified it yourself. That’s why we offer affordable modified car insurance for Northern Ireland residents. Get a quote now – prices start from just £225 a year.

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Rated Great
Rated 'Great' based on 4,102 reviews
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Rated Great
Rated ‘Great’ based on 4,102 reviews
Modified car insurance from £225 a year!

Cover for your modified car

The benefits of getting cover with Sterling NI

Whether you’ve fitted your car with performance-enhancing modifications or cosmetic modifications, we can help you find cover that’s suited to your needs and budget. It can be difficult to find affordable modified car insurance in Northern Ireland, especially if you’re a young driver or you’ve modded your car heavily.

Whatever your needs, we should be able to help. We offer cover in a range of circumstances, including for car shows and meets, track days, and rallies.

  • Prices start from £225
  • Cover for any modified vehicle, including modified classics
  • Free cover for cosmetic modifications valued up to £1,500
  • Includes European cover for up to 90 days
  • Agreed value cover or like-for-like cover on modifications available
  • Optional extras for breakdown, keycare, misfuelling and windscreen cover

Prices start from £225

Whether you’re a young driver or you own a modified classic, we can help you find affordable car insurance. We also offer cheaper cover for those on a limited mileage policy. We compare quotes, helping you find the best deals available.

Cover for any modified vehicle, including modified classics

We are able to cover a wide range of modified cars, including classic models. Our experience as a specialist insurance broker allows us to find great deals on unusual cars. So whether you own a classic Porsche 911 or a modded Ford Escort, get a quote from us.

Free cover for cosmetic modifications valued up to £1,500

We completely understand if you want to make your car one of a kind. That’s why we offer free cover for cosmetic modifications valued up to £1,500. Please note this is subject to the policy you take out.

Includes European cover for up to 90 days

Planning a trip in your modified car? Our policies include European cover for up to 90 days – plus we can offer policies (subject to policy selection) to those who travel from Northern Ireland to the Republic of Ireland on a regular basis. We can also cover longer trips too – let us know if this is something you’d like.

Agreed value cover or like-for-like cover on modifications available

Your car is one of a kind, which is why we offer agreed value cover. We can also insure any modified vehicle on a like-for-like basis.

Optional extras for breakdown, keycare, misfuelling and windscreen cover

We have a range of optional extras that can be added to your policy if needed. This includes breakdown cover, keycare, misfuelling cover and windscreen cover. All policies come with up to £100,000 of legal protection. This helps cover out of pocket expenses if you’re in an accident that wasn’t your fault.

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Frequently asked questions

Call for our best deals

We think our quotation service is one of the swiftest in the business and your policy will be issued on the same day you agree the deal.

Our best policies and prices for car insurance do not appear on price comparison sites and are not available online.

Help is here when you need it

Sterling’s claim line is open 24 hours a day, 365 days a year.

If you ever need to make a claim give us a ring. Someone will be there for you at the other end.

Our staff are based in the UK

Whether you’re calling for a quote or want to make a claim, our staff are based in the UK and ready for your call.

As soon as you agree the policy terms, your insurance can be issued on the same day.

30 years’ experience in the industry

Our senior staff have been working in the insurance industry for 30 years.

It means we can help if you need to find cover for situations or circumstances that are a bit more specialist.

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