what we cover...
This is everything you need to know about our Learner Insurance
Our Learner Insurance covers you to drive a family or friend's car while you're learning – all done in a clever way that doesn't risk the car owner's No Claims Bonus.
We'll cover you on most cars up to insurance group 32 with a current value of up to £20,000.
You'll get comprehensive cover against fire, theft, malicious damages and any accidents while you're driving the car. It also covers you against injuries to yourself and damages to other people's property while driving. Wait, there's more! It even covers whoever is supervising your driving if they have to take control of the wheel in an emergency.
The policy only covers you for driving the car you took your policy out for. But don't worry, you can always take out another policy for any other cars you might wish to drive. And you can even switch to a different car partway through your cover for a small administration charge of £10.
Plus, you can drive with another adult apart from the person who owns the car, as long as they're over the age of 25 and have held a full UK driving licence for at least three years. Of course, you'll need the permission of whoever owns the car, but we're sure you knew that anyway!
Now, while the policy is designed to cover you on someone else's car, the car still needs to be fully insured by whoever owns it. Also the policy only covers the named learner driver (that's you!) – so any other learners will need to get their own policy.
The cost of your Learner Insurance policy depends on how long you want to be covered for and whereabouts you live (it really is as straightforward as that). The policy can last from one to three months and if you want a longer period, just renew your policy.
Then, when you pass your test (which you will do!) we'll refund any full months worth of cover you have left on your policy for a small administration fee of £10. Unfortunately we cannot refund any incomplete months cover you have left when you pass your test.
If you need to make a claim for an accident, fire or theft while you are driving then you will have to pay the first £250 towards your claim. (Ouch! Sorry. But at least you know now.)
We really hope you're happy with our Learner Insurance, and that it helps you pass your test. But if for any reason you want to cancel then you're entitled to stop the cover within 14 days of receiving your policy documents or the start date of the policy (whichever is later). We'll refund you the premium, taking off a payment for the amount of time for which you've already been covered. There's also a small £10 administration fee.
Remember though, as soon as you've passed you will no longer be covered on your Learner Insurance. And that's when you should take a look at New Driver Insurance to help get you covered and on the road in a safe, simple and very affordable way.
Or you might consider our Cars for Young Drivers, a scheme that makes buying a new or nearly new car, and getting insured, affordable, by combining it with low cost black box insurance.
Marmalade Learner Insurance policy is underwritten by our friends Chaucer Insurance. Chaucer Insurance is a specialist motor insurer at Lloyd's focusing on private car, motor cycle and light commercial motor insurance.