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Smart Car Insurance

Prices for Smart car insurance start from £245. Contact us for your car insurance, whether you drive a Smart ForTwo, a Smart ForFour, a Smart Roadster or a Smart Brabus. Our best prices are available over the phone from our UK call centre.

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Rated 'Great' based on 10,034 reviews
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Rated Great
Rated ‘Great’ based on 10,034 reviews
Smart Car insurance from just £245!

Sterling’s special Smart policies

The Mercedes Smart is a very practical small car, and ideal as a runaround or an inner city vehicle.

Sterling offers specialist Smart car policies at incredibly low prices, even for young drivers. Your standard Smart will probably be in insurance grouping six, but if it has modifications, we can do a deal on that too.

More and more Smart car drivers are wising up to the fact that you just can’t beat Sterling insurance when it comes to cost and levels of cover.

We compare car insurance quotes from a wide panel of providers and tailor our policies to suit our clients’ personal circumstances. You can be certain your insurance will be as smart as your car.

The benefits of getting a policy with Sterling

  • Prices start from £245
  • Cover for any kind of Smart Car model
  • Legal protection up to £100,000 included
  • European cover for up to 30, 60 or 90 days
  • Breakdown cover, keycare, misfuelling, windscreen (optional extras)
  • Claims hotline open 24/7

Prices start from £245

Sterling compares quotes from more than one insurance company so you get the very best deal. Whether you use yours as an urban runaround or it’s your main car, Sterling will find the right level of cover for your needs. Speak to one of our experts – our best prices are often over the phone.

Cover for any kind of Smart Car

The Mercedes Smart Car revolutionised small car ownership. Our policies will cover every kind of Smart Car on the market, and we can find the right cover for your personal circumstances. Options include fully comprehensive cover, third party fire and theft and third party only. Legal protection up to £100,000 included.

Green Card cover for driving in the EU post-Brexit

Our legal cover is a standard feature in our Smart car insurance policies. So if you are ever involved in an accident that isn’t your fault, this can help you recover any out of pocket expenses afterwards.

Driving in the EU included

Sterling policies allow you to drive through Europe for up to 30, 60 or 90 days for free if your Smart Car is registered in the UK. We can also help motorists with insurance paperwork – known as an insurance Green Card – even after Britain leaves the European Union.

Optional extras such as breakdown

Add Sterling’s home-start service and UK / European breakdown cover to your policy. It’s ideal for keeping you on the move if your vehicle lets you down. Other optional extras include misfuelling cover, keycare, windscreen and protected No Claims Discount.

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.

Get a quote with us!

It's easy.

Frequently asked questions

Sterling’s policies are remarkably good value for money and can cost from as little as £245. We offer flexible payment terms. Pay the full premium up front or pay by monthly instalments, the choice is yours.

There are a number of ways you may be able to reduce the price of your insurance premium.

  • Transfer previous No Claims Bonus to your new policy. If you have managed to build a No Claims Bonus, you may be able to transfer this to your new policy.
  • Consider a limited mileage policy. If you will only drive short journeys in your Smart Car, let us know as this may lead to savings.
  • Add another responsible driver to the policy. Rather than increasing the cost, it can actually lead to reductions.
  • Multi-car policies can lead to discounts. If your Smart Car is one of a number of vehicles you own, explore insuring them all on the same policy.
  • Increase the voluntary excess you’re prepared to pay. Voluntary excess is the amount you agree to pay towards a claim if you make one –  but never commit to more than you can afford here.
  • Step up the security measures on your vehicle. Adding security alarms or trackers can reduce the price of your insurance premium.
  • Join a Smart Car owner’s club. If you’re a member of an owner’s club, you could qualify for a 20% discount.

  • Left hand drive models are not a problem.
  • In car entertainment cover available.
  • Cover for track days and rallies.
  • Independent Agreed Value cover (optional).
  • Salvage retention.
  • Cover for dismantled parts.

Even better deals over the phone

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

So let us compare the cost of car insurance with the levels of cover available. We’ll get car insurance quotes from multiple providers to ensure you get the very best deal.

Help is here when you need it

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

If an insurance customer needs to make a claim, we’ll be here for you. Be assured there will be a sympathetic ear at the end of the phone.

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.

Get a quote with us!

It's easy.

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