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Car Insurance in Northern Ireland

Get tailored car insurance in Northern Ireland from just £175.

How to get car insurance from Sterling NI

Give us a call

Our best quotes are available over the phone. We’ll do all the legwork for you in just 10 minutes; just tell us a few details about yourself and your car.

Tailor the quote to your needs

You can choose extra benefits such as breakdown cover, keycare, and windscreen cover.

Get driving

You can start driving on the day your insurance policy begins.

Get tailored car insurance in Northern Ireland from just £175.

Get affordable car insurance from the experts

Need car insurance but struggling to find a quote at a decent price? We’ve been helping drivers get cheap car insurance quotes for over 30 years. Call the Sterling NI insurance experts to see how much you could save.

And just because our cover is affordable, doesn’t mean the insurance we offer is any less comprehensive. In fact, we provide tailored car insurance designed to suit your individual needs. So whichever vehicle you own and whatever journey you’re on, we’re here for you.

Why choose Sterling NI's car insurance?

Whether you own a Nissan Qashqai, a VW Polo, a Ford Puma, or any of the other multitude of cars available in Northern Ireland, we offer tailored cover that suits your needs – and budget.

Prices start from £175 a year

Northern Ireland drivers often face high insurance costs, which is why we pride ourselves on
being able to offer car insurance from just £175 a year.

Legal protection included

Our legal cover is a standard part of our car insurance. If you’re ever involved in an accident that wasn’t your fault, this can help you recover any out-of-pocket expenses.

Free UK cover

Cover for driving in other areas of the UK is covered as standard. Plus, if you spend time in the Republic of Ireland or other parts of Europe, let us know and we can add extra cover for this to your policy.

Protected no claims bonus

We offer protected no claims bonus, which prevents you from losing your no claims even in the
event you have to make a claim.

Flexible payment plans

We have a number of flexible payment plans to choose from. Options include monthly or annual payment plans.

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 for you.

Which type of insurance should I get?​

Fully comprehensive

This is the highest level of protection you can get and protects you regardless of who is at fault.

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 coverage you must get.

Get a quote with us!

It’s easy

Frequently asked questions

Is car insurance more expensive in Northern Ireland?

It can be as there aren’t as many insurance providers in Northern Ireland as there are in other parts of the UK. There are also a higher number of younger drivers on the roads, which tends to skew the average car insurance costs for NI. Read our blog on car insurance costs in NI for more information.

Which type of car insurance is cheapest?

Although many believe that third party only cover is usually the cheapest option, contrary to popular belief, fully comprehensive cover is often the most affordable type of cover you can get. This is because, in general, people taking out fully comp insurance are less likely to get into an accident than those taking out lower levels of cover.

How much is car insurance in Belfast?

According to the Belfast Telegraph, the average cost of car insurance in Northern Ireland is
£496. If you’re struggling to get an affordable car insurance quote in NI, call us and we might be able to help.

Why is my car insurance so high?

The cost of your car insurance depends on a number of factors, from the area of Northern
Ireland you live in to the type of car you drive. If you’re facing high car insurance premiums, call Sterling NI to speak to an expert. We’re often able to bring the price of your insurance down when other providers cannot.

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