Terms of use Privacy notice Cookie policy Terms of business (TOBA)

Terms of use Privacy notice Cookie policy

Policy Documents

It’s important you know the ins and outs of your cover.

Before you choose to purchase cover, you should always refer to each Insurance Product Information Document (IPID) and Policy Wording to understand what is and isn’t covered including terms, conditions and exclusions.

Stella Car Insurance Cover

Current Policy Documents

Insurance Product Information Document(IPID)

This IPID applies to new policies purchased on or after 11 January 2023.

Policy Wording

This Policy Wording applies to new policies purchased on or after 11 January 2023.

Insurance Product Information Document(IPID)

Policy Wording

Insurance Product Information Document(IPID)

Policy Wording

Insurance Product Information Document(IPID)

Policy Wording

Previous Policy Documents

Insurance Product Information Document(IPID)

This IPID applies to new policies purchased between 21 November 2022 and Tuesday 10 January 2023.

Policy Wording

This Policy Wording applies to new policies purchased between 21 November 2022 and Tuesday 10 January 2023.

Optional Extras

1. UK breakdown cover

UK Local Roadside

UK National Roadside

UK Full Breakdown

2. Guaranteed Hire Replacement Vehicle Insurance

3. Motor Legal Protection

4. Key Protect Insurance

5. Motor Excess Protection Cover

6. Pram and Pushchair Insurance

7. Scratch, Dent and Alloy Protection Insurance

Other documents

1. UK breakdown cover

UK Local Roadside

UK National Roadside

UK Full Breakdown

2. Guaranteed Hire Replacement Vehicle Insurance

3. Motor Legal Protection

4. Key Protect Insurance

Policy Documents (Oct 10, 2022 – Oct 30, 2023)

Policy Documents (After Oct 30, 2023 – Nov 16, 2023)

Policy Documents (Nov 17, 2023 – Oct 09, 2025)

Policy Documents (After Oct 10, 2025)

5. Motor Excess Protection Cover

Policy Documents (Oct 10, 2022 – Oct 30, 2023)

Policy Documents (31 Oct, 2023 – 1 May 2025)

Policy Documents (2 May, 2025 – 9 Oct, 2025)

Policy Documents (After 10 Oct, 2025)

6. Pram and Pushchair Insurance

Insurance Product Information Document This IPID applies to policies purchased between 21 November 2022 and 31st December 2023.
Insurance Product Information Document This IPID applies to policies purchased between 1st January 2024 and 21st May 2025.
Policy Wording

7. Scratch, Dent and Alloy Protection Insurance

8. GAP Insurance

Insurance Product Information Document
Policy Wording
Terms of Business (TOBA)
- The above TOBA applies to new policies purchased on or after 6 August 2025.
- This TOBA applies to new policies purchased on or before 5 August 2025.

Other documents

Terms of Use
Privacy Notice
Cookie Policy
Terms of Business (TOBA)
- The above TOBA applies to new policies purchased on or after 6 August 2025.
- This TOBA applies to new policies purchased on or before 5 August 2025.

Telematics Insurance

Current Policy Documents

Insurance Product Information Document(IPID)

This IPID applies to new policies purchased on or after 11 April 2024.

Policy Wording

This Policy Wording applies to new policies purchased on or after 11 April 2024.

Terms of Business (TOBA)

The above TOBA applies to new policies purchased on or after 6 November 2025.

This TOBA applies to new policies purchased on or after 6 August 2025 – 5 November 2025

This TOBA applies to new policies purchased on or after 3 June 2025 – 5 August 2025.

This TOBA applies to new policies purchased on or after 11 April 2024 – 2nd June 2025.

Optional Extras

1. UK breakdown cover

UK Local Roadside

UK National Roadside

UK Full Breakdown

2. Guaranteed Hire Replacement Vehicle Insurance

3. Motor Legal Protection

4. Key Protect Insurance

5. Motor Excess Protection Cover

6. Pram and Pushchair Insurance

7. Scratch, Dent and Alloy Protection Insurance

Other documents

1. UK breakdown cover

UK Local Roadside

UK National Roadside

UK Full Breakdown

2. Guaranteed Hire Replacement Vehicle Insurance

3. Motor Legal Protection

4. Key Protect Insurance

Policy Documents (Oct 10, 2022 – Oct 30, 2023)

Policy Documents (After Oct 30, 2023 – Nov 16, 2023)

Policy Documents (Nov 17, 2023 – Oct 09, 2025)

Policy Documents (After Oct 10, 2025)

5. Motor Excess Protection Cover

Policy Documents (Oct 10, 2022 – Oct 30, 2023)

Policy Documents (31 Oct, 2023 – 1 May 2025)

Policy Documents (2 May, 2025 – 9 Oct, 2025)

Policy Documents (After 10 Oct, 2025)

6. Pram and Pushchair Insurance

Insurance Product Information Document This IPID applies to policies purchased between 21 November 2022 and 31st December 2023.
Insurance Product Information Document This IPID applies to policies purchased between 1st January 2024 and 21st May 2025.
Policy Wording

7. Scratch, Dent and Alloy Protection Insurance

8. GAP Insurance

Insurance Product Information Document
Policy Wording
Terms of Business (TOBA)
- The above TOBA applies to new policies purchased on or after 6 August 2025.
- This TOBA applies to new policies purchased on or before 5 August 2025.

Other documents

Policy Documents

It’s important you know the ins and outs of your cover.

Stella Car Insurance Cover

Current Policy Documents

Underwritten by U K Insurance Limited

Insurance Product Information Document(IPID)

Policy Wording

Underwritten by Ageas Insurance Limited

Insurance Product Information Document(IPID)

Policy Wording

Underwritten by AXA Insurance UK Plc

Insurance Product Information Document(IPID)

Policy Wording

Underwritten by Covea Insurance Plc

Insurance Product Information Document(IPID)

Policy Wording

Previous Policy Documents

Underwritten by U K Insurance Limited

Insurance Product Information Document(IPID)

Policy Wording

Optional Extras

Telematics Insurance

Current Policy Documents

Underwritten by Zurich Insurance Company Ltd

Insurance Product Information Document(IPID)

Policy Wording

Terms of Business (TOBA)

Optional Extras

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