We’ve adapted our Car Insurance to focus on the needs and lifestyles of women. This includes a range of optional extras and features tailored to be relevant to women. With that being said, if you happen to be male or non-binary, of course we’ll cover you too. We’ve also looked at creating a simplified, easy and intuitive experience to make buying insurance as seamless as possible.
Theft and Accident Damage
We’ll protect you from damage or loss caused by theft, attempted theft, collision, malicious damage, fire and natural events such as hail, storm and flood.
Car Replacement Options
We will aim to replace your car with a new one or pay market value for your car, less any excess, if your car is less than 1-year old, you are the first registered keeper, and the car is written off, subject to availability within the UK.
Personal Belongings
If your car has been stolen or involved in an accident, we’ll pay up to your policy limit for loss or damage to your personal belongings.
Windscreen Cover
Our specialists will help put things right if the glass in your car is damaged. With Stella you’re covered for windscreen replacements or repairs without it affecting your No Claim Discount (NCD).
5-Year Repair Guarantee
If our approved repairer carries out the repairs to your car, you will benefit from their minimum 5-year Repair Guarantee.
Uninsured Driver Promise
Once we confirm that an accident was the fault of an uninsured driver, we’ll repay your excess, restore your NCD and refund any additional premium you may have paid during the period.
Child Car Seat Replacement
If you have a child car seat fitted to your car and your car is damaged by fire or theft, or stolen and not recovered, we’ll cover you for the cost of replacing the child car seat up to your policy limit, even if there is no apparent damage.
Personal Accident Cover
Your policy will support you and your partner if you are accidentally injured while travelling in or getting in or out of your car.
The product benefits listed on this page have been summarised. For full details about what is and isn’t covered you should always refer to the Insurance Product Information Document and Policy Wording.
We know one size doesn’t fit all, which is why we offer optional extras so you can customise your comprehensive policy until it’s just right for you.
With UK Breakdown Cover, you’ll get support when you need it the most, 24 hours a day, 365 days a year.
Enjoy the convenience of a guaranteed replacement hire vehicle when your car is out of action or is being repaired, for a reasonable period of time following a road traffic accident, fire, malicious damage, theft or attempted theft.
Provides cover and solutions for tricky situations you may face when insured keys are accidentally lost, stolen or damaged.
Protect you or a named driver against the costs of legal fees and expenses up to £100,000.
Provides support in recovering the excess that you are responsible for if your vehicle needs repairing or replacing because of accidental damage, fire, theft or vandalism that wasn’t your fault.
Cover for your pram and pushchair if it is damaged in your vehicle as a result of fire, theft or attempted theft.
Cover for minor scratches and dents to the bodywork of your vehicle and accidental or third-party damage to your alloy wheels, up to the specified limits.
Covers the difference between the original purchase price and the current market value at the time of write off. Find out more about Gap Insurance.
The optional extras listed on this page have been summarised. For full details about what is and isn’t covered you should always refer to the Insurance Product Information Document and Policy Wording for each optional extra. Each optional extra is a separate product that is subject to separate terms and conditions and does not form part of the Stella Comprehensive Car Insurance policy.
With UK Breakdown Cover you’ll have peace of mind while you’re on the road.
You can also include vehicle recovery to ensure that you won’t be stuck at the roadside if the experts can’t fix your vehicle. With UK Full Breakdown cover, the repairers will come to your home address and make sure you can get back on the road.
Which option is best for me?
UK Local Roadside | UK National Roadside | UK Full Breakdown | |
|---|---|---|---|
Price | £49.95 | £59.95 | £74.95 |
Roadside Assistance | |||
If the vehicle breaks down more than one mile from the home address, we will arrange service at the scene of the breakdown for up to 1 hour and pay call-out fees and labour costs in an attempt to repair it. | |||
Local Recovery | |||
If the vehicle breaks down more than one mile from the home address and it cannot be repaired at the scene of the breakdown, we will arrange and pay the cost of taking it, the driver and the passenger(s) from the scene of the breakdown to the nearest repairer, up to a maximum of a 10 mile round trip. | |||
Full Recovery | |||
If the vehicle breaks down more than one mile from the home address and it cannot be repaired at the scene of the breakdown or the nearest repairer the same day, we will arrange and pay the cost of taking it, the driver and the passenger(s) from the scene of the breakdown to your home, your original destination or the nearest repairer. | |||
Onward Travel | |||
If the vehicle breaks down and it cannot be repaired the same day, and it cannot be recovered to any one place you choose, we will pay the cost of alternative travel arrangements for the driver and the passenger(s). | |||
Alternative accommodation | |||
If the vehicle breaks down more than 25 miles from the home address, and it cannot be repaired the same day, and it cannot be recovered to any one place you choose, we will pay the cost of overnight accommodation for the driver and the passenger(s). | |||
Doorstep Assistance | |||
If the vehicle breaks down at the home address or within one mile of the home address, we will arrange service at the scene of the breakdown for up to 1 hour and pay call-out fees and labour costs in an attempt to repair it. If it cannot be repaired at the scene of the breakdown, we will arrange and pay the cost of taking it, the driver and the passenger(s) from the scene of the breakdown to the nearest repairer, up to a maximum of a 10 mile round trip. | |||
Policy Documents | |||
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.
For more information please read the Policy Wording.
Right now, we offer Comprehensive Car Insurance and Telematics Car Insurance, but we will be rolling out other great Stella products in the future. Join our mailing list to be the first to hear what we’re up to.
If you provided your email address, we would have sent an email containing your quote when it was first made. Try checking your ‘Junk Mail’ folder in case it went there. In the email there will be a ‘Recall Quote’ button you can select, which will allow you to recall your quote, make changes and set up the policy. You will need your quote reference (contained on your quote email) postcode and date of birth.
If you can’t find the email, feel free to give our team a call on 0333 996 9718 so they can assist you in locating the quote with either your email address, registration number or phone number. We are open from 9 am to 5:30pm Monday to Friday.
Our quotes are only valid for 30 days but don’t worry as we’ll happily provide you with a new quote if it has expired.
The full Stella experience is available through our website, or you can purchase a policy by calling us on 0333 996 9718. We are open from 9 am to 5:30pm Monday to Friday.
Your policy documents were attached to your Stella welcome email. We’ve also added all your policy documents to your Stella online account for safe keeping. In your account you’ll find:
If you haven’t already done so, it only takes a few seconds to register and access your online account, you can do so using the link below.
You’ll need your web reference which was located in your Stella welcome email. If you’ve already registered, then you can log in straight away.
You get to see a summary of your coverage and a preview of your customised policy before you pay.
You’ll be able to edit your cover and other policy settings such as the excess, start date, and more – all before you finalise your policy. After payment, we will instantly issue your final policy and send it to you by email.
Making changes to your policy has never been easier. You can simply log in to my online account to update your address, your mileage, your vehicle, your vehicle usage and additional drivers. If you get stuck or have questions, our team are always here to help in case you need to talk to someone. We are open from 9 am to 5:30pm Monday to Friday and feel free to give our team a call on 0333 996 9718 and they will be happy to assist you.
You can simply log in to my online account to update your car.
Depending on whether your new car costs more or less than your old one, you may be required to pay an additional premium or will get a refund on your premium paid.
If you get stuck or have questions, our team are always here to help in case you need to talk to someone. We are open from 9 am to 5:30pm Monday to Friday and feel free to give our team a call on 0333 996 9718 and they will be happy to assist you.
Unfortunately, no. Stella does not cover Uber or any other car-sharing services where you transport people for a fee
If we’ve asked you to prove your No Claim Discount (NCD), you can either send us your current renewal notice or a letter from your previous UK insurer. Proof must be on the Insurance providers letter head and:
If there is a gap between the date of your NCD proof and the start date of your new Stella policy with us, we’ll also need an additional letter with the following information:
You should have received proof of your NCD on the renewal invitation from your previous insurer, or via a proof of NCD letter. If you can’t locate this, please contact your previous insurer and request a copy.
Sending us proof of your NCD is easy! Please log into your customer portal. You will be able to use the ‘Upload Your Documents’ section to upload the documents that we need.
Don’t worry! If you have forgotten your password to your online account, you can reset this easily using the ‘Forgotten your password’ link on the login page of the customer portal. You will need the same email address and postcode that appears on your policy documents.
To ensure we are keeping your information secure, you will need to answer your security questions to receive a Password Reset link to your email address.
Our Breakdown Cover is an optional extra that can be purchased at the time of purchasing your Stella policy.
You can find details of the optional extras that you selected for your car insurance policy on your policy documents or by logging into your online account.
Your car insurance certificate along with all other policy documents were attached to your Stella welcome email. We’ve also added all your policy documents to your Stella online account. Here you’ll find:
If you haven’t already done so, it only takes a few seconds to register and access your online account, you can do so using the link below. You’ll need your web reference which was located in your Stella welcome email. If you’ve already registered, then you can log in straight away.
We’re happy for you to drive if your doctor has given you the go ahead after your operation and the DVLA are happy for you to hold a licence.
You don’t need to tell us about your operation but if you’re unsure please always check with your doctor.
If you’re not happy or have simply changed your mind, you have a 14-day cooling off period subject to Terms and Conditions. Please see our Terms of Business for more information.
Cancelling your car insurance policy is always possible, but how this affects you financially will depend on when you cancel the policy. Please refer to the Terms of Business and your policy wording for more information.
You can get in touch with our team on 0333 996 9718 and they will be happy to assist you. We are open from 9 am to 5:30pm Monday to Friday.
And if you ever want to come back – no problem, we’ll just have to create new policy for you. Know that our prices change from time to time, so your new policy may come with a different rate.
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Stella is a trading style of Freedom Brokers Ltd. Freedom Brokers Ltd is an appointed representative of Action 365 Ltd which is authorised and regulated by the Financial Conduct Authority (FRN 306011). Freedom Brokers Ltd is registered in England and Wales, company number 10399389 and its registered address is BizSpace Cheadle, Cheadle Place, Stockport Road, Cheadle, Cheshire SK8 2JX.
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