Short-term and annual pay-monthly policies available
Whether you need cover for just a few months or a full year, we can help you find the right pay-monthly car insurance policy.
If you tend to use your vehicle for short periods throughout the year, you might find that our short-term cover suits you best. Simply download the Sterling Short Term app on the App or Play Store and sign up so you can take out cover as, and when, you need.
The benefits of getting a policy with Sterling Insurance
- Short-term cover with a free, convenient mobile app
- Flexible payment plans to suit you
- Up to £100,000 of legal cover included with every policy
- Wide range of optional extras available
- Free European cover for up to 30, 60 or 90 days
- Claims hotline open 24/7
Short-term cover with a free, convenient mobile app
Only want to take out cover for a few months? Download our short-term app to take out car insurance as, and when, you need it. You can choose to take out cover monthly whenever you want.
Flexible payment plans to suit you
We know that not everyone is able to pay upfront, which is why we offer flexible payment plans on all our policies. If you want to pay monthly, let us know and we can help.
Up to £100,000 of legal cover included on every policy
Wide range of optional extras to choose from
Our policies are designed so they can be adapted to your needs. So whether you need cover for breakdowns, camping gear, keycare or misfuelling, let us know and we can help.
Free European cover for up to 30, 60 or 90 days
Sterling policies allow you to drive through Europe for up to 30, 60 or 90 days for free if your vehicle is registered in the UK (subject to policy selection). We can also help motorists with paperwork and can provide an insurance green card .
Claims hotline is open 24/7
Sterling’s claim line is open 24 hours a day, 365 days a year. If you need to make a claim, we will be here for your call.
Frequently asked questions
Can I pay car insurance monthly?
Yes, all our policies are available on a pay-monthly basis. You can also download our short-term car insurance app, which allows you to take out cover for any period of time. This is a flexible and convenient option for those who don’t use their vehicle all year around.
Can I cancel my car insurance if I pay monthly?
Yes, pay-monthly car insurance policies can be cancelled. If you’ve taken out an annual policy and you cancel it before it ends, however, you’ll probably be charged cancellation fees. It’s usually best to speak with your insurance provider or check your policy documents to find out if you will be charged.
Can you pay off monthly car insurance early?
If you’ve taken out an annual policy, you pay monthly, and you’d like to pay off the rest in full early, you can do so. Contact us directly if this is the case.
What’s better: paying monthly or yearly?
This really depends on your situation. Whilst paying annually is usually the more affordable option, if you don’t have the money to pay upfront monthly payments are a great way to spread the costs.
Does paying car insurance monthly affect my credit score?
Keeping up with your monthly payments will positively affect your credit score. However, if you fall behind on payments without speaking to your insurance provider, this can negatively affect your credit rating.
Can 17 year olds pay car insurance monthly​?
Yes, in many cases young drivers will pay for their car insurance monthly as this allows them to spread the costs throughout the year. Note that if you’re 17 years old, you will need a guarantor to take out cover.
What happens if I can’t pay for my car insurance this month​?
We know that the unexpected can get in the way of you keeping up with payments. If this happens, get in touch with our team and we can help you figure out an alternative.
