What is covered with Marmalade black box insurance?

Two guys are driving a car image
semi-circlesemi-circle
Our black box insurance covers young drivers aged 17-30 as the main driver of their own car. For drivers aged 17-21, all we ask is that a parent or guardian is added as a named driver.
We provide comprehensive cover for full and provisional licence holders on cars up to 25 years old in most UK postcodes, including Northern Ireland. Choose between our annual and pay as you go insurance options which offer the same level of cover.

What’s included in your cover?

Legal liability for death or injury to any other person, including passengers:
Orange Tick icon
Legal liability for damage to other people’s property up to £20,000,000:
Orange Tick icon
Damage to your vehicle:
Orange Tick icon
Windscreen repair/ replacement:
Orange Tick icon
Personal accident benefits - For the driver or their spouse for death or loss of limbs/sight up to age 69:
Up to £5,000
Medical expenses:
Up to £150 per person
Personal belongings:
Up to £350
Foreign use:
Minimum cover throughout Europe and travel by land, sea or air to those countries
This summary does not describe all the Ts&Cs of your policy, so please take time to read full details about the cover in the Policy Booklet when you get your insurance quote.

Policy Excess
tooltip

Compulsory excess:
up to £350
Voluntary excess:
up to £500
Windscreen excess:
up to £75 using approved repairer (£100 using an alternative repairer)

Cancelling your policy

If you decide to leave us, here’s what to expect:

• The price you pay for your insurance includes an administration fee, which is non-refundable in the event of cancellation.

• For policies purchased on or after 6th January 2023, the administration fee, the pro-rata premium for the time you have been insured, and a cancellation charge will be deducted from the price you paid for your policy (this includes the insurer charge + 12% IPT, and a Marmalade charge).

• For policies purchased before 6th January 2023, the administration fee, the pro-rata premium for the time you have been insured and a cancellation charge will be deducted from the price you paid for your policy (this includes the insurer charge + 12% IPT, and a Marmalade charge).

• In the event of a claim being made, regardless of when the policy is cancelled, the full insurance premium is payable and there will be no refund given.

•If Marmalade or our underwriters cancel the policy, we will refund the part of the initial premium, payable by you, and cancellation fees will only apply if you have not adhered to the conditions of the policy.

• If we declare your policy void on the grounds of fraudulent activity, we will be entitled to keep any premium you have paid.

• The same charges apply if you cancel your policy within the 14-day cooling off period.

Other fees and charges

Additional fees
Replacing the telematics tag

    • Policy administration fee: The price you pay for your insurance includes a non-refundable administration fee.
    • Making changes: If you make changes to the policy during the policy term, we will charge a fee to make a mid-term adjustment.
    • At the time you contact us to make the change, we’ll let you know the total price to be paid, including any fees, taxes, and charges separately from the premium, so that you know the full breakdown before any changes are completed.

Why insure with us

Learner icons

Just for young drivers

Clock

Instant online cover

Steering wheel

Drive 24/7 with no curfews

Tick

Cover before & after you pass

Two girls are having fun car image
See how much you can save with Black Box Insurance
Enjoy instant comprehensive cover and feel the freedom of the open road with no curfews!
Trustpilot Logo
ICS member logo
Customer Service Excellence Awards
BIBA scheme provider logo
First car award 2019 winner logo