Sterling was established in 2008. It is a trading name of Adrian Flux Insurance Services group, used under licence by Herts Insurance Consultants Ltd.
They offer a variety of general insurance products, including car, home and van. They specialise in telematics (or 'black box') policies.
In 2021, they rebranded from Flux Direct. Their headquarters are based in Hertfordshire.
Our product ratings for Sterling
Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.
Car insurance
17 products reviewed
Electric Car Insurance
17 products reviewed
- Car Insurance (Allianz ABC)
- Car Insurance (LV)
- Car Insurance (Highway)
- Car Insurance (AXA)
- Car Insurance (Markerstudy)
- Car Insurance (Covea)
- Car Insurance (Aviva)
- Car Insurance (Allianz)
- Car Insurance (Optima Ageas)
- Car Insurance (Sabre)
- Car Insurance (Premier)
- Car Insurance (KGM)
- Car Insurance (Trinity Lane)
- Car Insurance (ERS)
- Car Insurance (Eridge)
- Car Insurance (Kinetic)
- Car Insurance (Geo)
Sterling
Car Insurance (Allianz ABC)
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | No |
| Cover limit for lost keys |
Unlimited
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£0.00
|
| Windscreen replacement excess |
£75.00
|
| Cover limit for stolen keys |
Unlimited
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | Yes |
Sterling
Car Insurance (LV)
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,000.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£0.00
|
| Windscreen replacement excess |
£75.00
|
| Cover limit for stolen keys |
£1,000.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
0 years
|
| Vandalism | Yes |
Sterling
Car Insurance (Highway)
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | No |
| Cover limit for lost keys |
£0.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss |
Y (Stolen only)
|
| Windscreen repair excess |
£0.00
|
| Windscreen replacement excess |
£75.00
|
| Cover limit for stolen keys |
£750.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
0 years
|
| Vandalism | Yes |
Sterling
Car Insurance (AXA)
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,000.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£15.00
|
| Windscreen replacement excess |
£75.00
|
| Cover limit for stolen keys |
£1,000.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
Lifetime
|
| Vandalism | Yes |
Sterling
Car Insurance (Markerstudy)
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£0.00
|
| Windscreen replacement excess |
£100.00
|
| Cover limit for stolen keys |
£500.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
3 years
|
| Vandalism | Yes |
Sterling
Car Insurance (Covea)
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,000.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£100.00
|
| Cover limit for stolen keys |
£1,000.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
Lifetime
|
| Vandalism | Yes |
Sterling
Car Insurance (Aviva)
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
Unlimited
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | Yes |
| Windscreen repair excess |
£0.00
|
| Windscreen replacement excess |
£75.00
|
| Cover limit for stolen keys |
Unlimited
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
Lifetime
|
| Vandalism | Yes |
Sterling
Car Insurance (Allianz)
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | No |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,000.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£0.00
|
| Windscreen replacement excess |
£75.00
|
| Cover limit for stolen keys |
£1,000.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | Yes |
Sterling
Car Insurance (Optima Ageas)
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | No |
| Cover limit for lost keys |
£400.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£0.00
|
| Windscreen replacement excess |
£50.00
|
| Cover limit for stolen keys |
£400.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
3 years
|
| Vandalism | Yes |
Sterling
Car Insurance (Sabre)
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£0.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£20.00
|
| Windscreen replacement excess |
£85.00
|
| Cover limit for stolen keys |
£500.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | Yes |
Sterling
Car Insurance (Premier)
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£0.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£0.00
|
| Windscreen replacement excess |
£75.00
|
| Cover limit for stolen keys |
£750.00
|
| Cover for replacing original audio/visual equipment |
£250.00
|
| Repairs guarantee (years) |
3 years
|
| Vandalism | Yes |
Sterling
Car Insurance (KGM)
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£750.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£0.00
|
| Windscreen replacement excess |
£90.00
|
| Cover limit for stolen keys |
£750.00
|
| Cover for replacing original audio/visual equipment |
£500.00
|
| Repairs guarantee (years) |
3 years
|
| Vandalism | Yes |
Sterling
Car Insurance (Trinity Lane)
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£0.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£20.00
|
| Windscreen replacement excess |
£90.00
|
| Cover limit for stolen keys |
£500.00
|
| Cover for replacing original audio/visual equipment |
£1,000.00
|
| Repairs guarantee (years) |
3 years
|
| Vandalism | Yes |
Sterling
Car Insurance (ERS)
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | No |
| Cover limit for lost keys |
£500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£10.00
|
| Windscreen replacement excess |
£75.00
|
| Cover limit for stolen keys |
£500.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | Yes |
Sterling
Car Insurance (Eridge)
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£300.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£100.00
|
| Cover limit for stolen keys |
£300.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | Yes |
Sterling
Car Insurance (Kinetic)
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | No |
| Cover limit for lost keys |
£0.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£100.00
|
| Windscreen replacement excess |
£100.00
|
| Cover limit for stolen keys |
£0.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
0 years
|
| Vandalism | No |
Sterling
Car Insurance (Geo)
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | No |
| Uninsured driver promise | No |
| Cover limit for lost keys |
£100.00
|
| 24hr helpline available | Yes |
| New car replacement | No |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£10.00
|
| Windscreen replacement excess |
£60.00
|
| Cover limit for stolen keys |
£100.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
0 years
|
| Vandalism | No |
Commercial Vehicle Insurance
14 products reviewed
- Ageas Commercial Vehicle Insurance
- Zenith Commercial Vehicle
- Markerstudy Commercial Vehicle MHR Insurance
- ERS Specialist Commercial Vehicle
- ERS Commercial Vehicle
- Xpekt First Van
- Prestige NON-STANDARD MOTOR AND VAN INSURANCE
- AXA Goods Carrying Vehicle Insurance
- Pukka Commercial Vehicle Motor Insurance
- KGM Commercial Vehicle
- NIG Commercial Vehicle Insurance
- Trinity Lane Trinity Lane Commercial Vehicle
- Sabre Commercial Vehicle
- Eridge Commercial Vehicle
Sterling
Ageas Commercial Vehicle Insurance
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£10.00
|
| Windscreen replacement excess |
£60.00
|
| Cover limit for stolen keys |
£500.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
3 years
|
| Vandalism | Yes |
Sterling
Zenith Commercial Vehicle
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£0.00
|
| Windscreen replacement excess |
£100.00
|
| Cover limit for stolen keys |
£500.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
3 years
|
| Vandalism | Yes |
Sterling
Markerstudy Commercial Vehicle MHR Insurance
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£80.00
|
| Cover limit for stolen keys |
£500.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
Lifetime
|
| Vandalism | Yes |
Sterling
ERS Specialist Commercial Vehicle
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£300.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£100.00
|
| Cover limit for stolen keys |
£300.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | Yes |
Sterling
ERS Commercial Vehicle
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£300.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£100.00
|
| Cover limit for stolen keys |
£300.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | Yes |
Sterling
Xpekt First Van
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | No |
| Cover limit for lost keys |
£400.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£0.00
|
| Windscreen replacement excess |
£100.00
|
| Cover limit for stolen keys |
£400.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
0 years
|
| Vandalism | Yes |
Sterling
Prestige NON-STANDARD MOTOR AND VAN INSURANCE
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | No |
| Cover limit for lost keys |
£500.00
|
| 24hr helpline available | Yes |
| New car replacement | No |
| Courtesy car provided if stolen / total loss | Yes |
| Windscreen repair excess |
£0.00
|
| Windscreen replacement excess |
£75.00
|
| Cover limit for stolen keys |
£500.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
0 years
|
| Vandalism | Yes |
Sterling
AXA Goods Carrying Vehicle Insurance
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | No |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
Unlimited
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£0.00
|
| Windscreen replacement excess |
£75.00
|
| Cover limit for stolen keys |
Unlimited
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
Lifetime
|
| Vandalism | Yes |
Sterling
Pukka Commercial Vehicle Motor Insurance
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£0.00
|
| 24hr helpline available | Yes |
| New car replacement | No |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£75.00
|
| Cover limit for stolen keys |
£500.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
1 years
|
| Vandalism | Yes |
Sterling
KGM Commercial Vehicle
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | No |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£300.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£0.00
|
| Windscreen replacement excess |
£90.00
|
| Cover limit for stolen keys |
£300.00
|
| Cover for replacing original audio/visual equipment |
£500.00
|
| Repairs guarantee (years) |
3 years
|
| Vandalism | Yes |
Sterling
NIG Commercial Vehicle Insurance
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | No |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£250.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£10.00
|
| Windscreen replacement excess |
£75.00
|
| Cover limit for stolen keys |
£250.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | Yes |
Sterling
Trinity Lane Trinity Lane Commercial Vehicle
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | No |
| Uninsured driver promise | No |
| Cover limit for lost keys |
£0.00
|
| 24hr helpline available | Yes |
| New car replacement | No |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£20.00
|
| Windscreen replacement excess |
£90.00
|
| Cover limit for stolen keys |
£500.00
|
| Cover for replacing original audio/visual equipment |
£400.00
|
| Repairs guarantee (years) |
0 years
|
| Vandalism | Yes |
Sterling
Sabre Commercial Vehicle
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | No |
| Uninsured driver promise | No |
| Cover limit for lost keys |
£0.00
|
| 24hr helpline available | Yes |
| New car replacement | No |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£20.00
|
| Windscreen replacement excess |
£125.00
|
| Cover limit for stolen keys |
£0.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | Yes |
Sterling
Eridge Commercial Vehicle
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | No |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£300.00
|
| 24hr helpline available | Yes |
| New car replacement | No |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£100.00
|
| Cover limit for stolen keys |
£300.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
5 years
|
| Vandalism | Yes |
Motor Excess Cover
1 product reviewed
Personal Motor Excess Insurance
1 product reviewed
Sterling
Excess Protect
| Feature | Value |
|---|---|
| Annual cover limit |
£300.00
|
| Claim limit |
Unlimited
|
| Cover limit per claim |
£300.00
|
| Personal belongings cover | Yes |
| Waiting period (if taken out at the same time as a car insurance policy) |
0 days
|
Motor Key Cover
1 product reviewed
Sterling
Keycare
| Feature | Value |
|---|---|
| Cover limit for broken keys (or keys broken inside a lock) |
£50.00
|
| Annual policy limit |
£1,500.00
|
| Days before you can make a claim |
0 days
|
| Lost key waiting period |
2 days
|
| Onward transport cover |
£100.00
|
| Additional Keys covered | Yes |
| Cover if duplicate keys are easily available | Yes |
Motor Legal Cover
1 product reviewed
Sterling
Motor Legal Expenses
| Feature | Value |
|---|---|
| Uninsured loss recovery Limit |
£100,000.00
|
| Personal Injury limit |
£100,000.00
|
| Motor Prosecution defence Limit |
£0.00
|
| Uninsured driver benefit | No |
| Consumer Disputes Limit |
£0.00
|
| Database Disputes Limit |
£0.00
|
| Vehicle Cloning Limit |
£0.00
|
| Uninsured driver benefit (Minimum pay out) |
£0.00
|
Personal Accident
1 product reviewed
Sterling
Personal Accident
| Feature | Value |
|---|---|
| Number of passengers covered |
Unlimited
|
| Death |
£20,000.00
|
| Permanent total disablement |
£40,000.00
|