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New cars with free insurance for young drivers

From £206.26 per month*

How does it work?

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Choose your car

Browse our wide range of brand new cars, many of which include 12 months' FREE black box insurance, to find the best one for you. The great news is that our car and insurance package is available from age 17!

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Check out your offers

Enter your age and postcode to see your personalised offers. 12 months' FREE Insurance is available in the majority of postcodes - where it's not available, we'll offer you discounted insurance or cashback.

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Apply instantly

It's easy to apply online for finance and you could be accepted in 10 minutes. Finance* is only available from 18. If you're not eligible for finance, a parent or guardian can apply on your behalf.

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Pay a small deposit

To secure your new car all you need to pay is a small deposit of £500 or more - then it won't be long until you can take to the road in your new wheels and enjoy your new found independence!

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How does our insurance work?

Free Insurance

Free insurance

12 months' free black box insurance is available in the majority of postcodes - helping you develop your driving skills and earn that all important No Claims Discount.

Discounted Insurance

Discounted insurance

If we can't offer free insurance, we'll offer you a contribution instead. You'll be shown a discounted insurance premium - this is the amount you'll pay for your insurance, minus our contribution.



Occasionally we're not able to provide insurance in certain areas. Instead, we will offer you a cashback payment - which you can use to purchase your own insurance.

Why choose Marmalade?

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Just for young drivers

No-one else offers new cars with free insurance from age 17!

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Encourages safe driving

Develop your driving skills with our clever black box insurance.

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Easy to buy online

It's quick and easy to apply for finance and pay your deposit.

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Helping to pass your test

Our insurance covers you on a provisional or full licence!

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Frequently asked questions

What is a guarantor? Plus Icon

A guarantor is someone who formally guarantees to pay the finance if the young driver is unable to make the repayments.

Before agreeing to become a guarantor for young driver, it is important you check that you would be able to afford the repayments (if they fail to pay the finance instalments), as non-payment pay could affect both yours, and their, credit score and result in repossession of the car.

How does the insurance work? Plus Icon

We offer you a personalised quote based on your age and postcode and the majority of our customers really do get free insurance. We know it's a big outlay buying and insuring your first car. We developed this offer to help ease the pain during what's probably going to be your most expensive year of car insurance – whilst you build up that first year's all important no claims bonus. Our insurance is underwritten by Highway Insurance (part of the Liverpool Victoria Group)

What is the benefit of adding a guarantor to my finance application? Plus Icon

If you're aged under 21, you're unlikely to have built up much credit history, so approval will be based on your personal circumstances. Having a guarantor increases your chance of being approved - thus allowing you to start building up your credit score.

What happens after the first year? Plus Icon

We'll send you a renewal price, but you don't have to take it and if you can find a more suitable policy somewhere else you can move your insurance (we'll miss you though!)

How long until I get my new car? Plus Icon

Good question. It depends on the car you're after and how far you want to go customising it! If you want your car delivered ASAP give us a call on 0333 358 3441 to find out what's available now. If you've got your heart set on a certain colour or upgrade the car may have to be made to order. Whatever your circumstances, our friendly team can talk you through timescales for the different options – and we'll keep you posted on progress until it's delivered.

Ask us your question on 0333 358 3441

Helping young drivers get on the road in a safer, fairer, simpler way

Enjoy the benefits of a brand new car with FREE 12 months' fully comprehensive black box insurance.

Representative example

Buy on a 4 year Personal Contract Purchase at 10.9% APR

48 monthly payments of
12 months insurance

At the end of the 4 years you can hand the car back to the finance company or pay a final payment of £3,496.00.

Drive up to 8000 miles per year.

Here's how we worked out the loan

£10,593.11Question IconCash price This is amount you are paying for the car.

£10,093.11Question IconLoan amount after the deposit This is the amount you are borrowing and will pay interest on.

£3,017.40Question IconTotal charge for credit This is the total amount of interest you will pay on the finance agreement.

£0.00Question IconAdmin fee This is an administration fee that the finance lender charge to set up your credit agreement.

£13,620.32Question IconTotal amount payable This is the total amount you would pay to own the car (including the deposit, the 48 monthly payments and the final payment.

5.65%Question IconThe fixed rate of interest The interest rate will remain consistent throughout the term of your loan, meaning your monthly payments will remain the same.

The figures above are based on an 18 year old living at PO107RJ. Young Marmalade Ltd, acting as a credit broker, will introduce you to a select panel of lenders. *This can be increased for an additional cost after you apply (excess mileage is charged if you hand your car back at the end of the term. The excess mileage rate will be specified in your finance agreement.)

Speak to our car buying experts

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0333 358 3441
Call us now

Monday-Thursday: 9:00am - 18:30pm,
Friday: 9:00am - 17:30pm,
Saturday: 9:00am - 15:00pm