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What car insurance cover do I need?

Chloe Martell profile

Chloe Martell

October 8, 2018

Driving advice Owning a car 5 min read

Learning to drive, buying a car, passing your driving test – they’re all the best parts of your driving journey! Unfortunately, there is a part of your driving journey that isn’t as much fun… buying insurance. We know it’s not exciting, and it can also be pretty confusing. To make it a little easier, we’re going to explain different insurance options in order to help you make the right choice for you.

Do I need insurance when I’m learning to drive?

Yes and no. If you’re learning to drive only with an approved driving instructor, you don’t need to buy insurance (your instructor will have this). If you want to take to the highway outside your driving lessons, you’ll need insurance. And there are a few different options for you to choose from.

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I’m learning to drive in my own car. What insurance do I need?

Good choice! We all know having a car means it needs to be insured. As a learner, you’ll need provisional licence car insurance. You’re likely to find this cheaper than insurance when you’ve passed your test! This is basically because when you’re a learner, someone is supervising you – making you statistically safer behind the wheel. When you’ve passed, if you need to change your insurance policy, often the price can shoot up – and if you haven’t had a full year of insurance, you will not earn any No Claims Discount!

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At Marmalade, we offer a full year policy that covers you before and after you’ve passed your test, with the price staying the same – as well as enabling you to earn your No Claims Discount!

I want to drive my parents’ car outside of my driving lessons

If you don’t have your own car yet, borrowing your parent’s car can be a fab alternative. It can give you extra practice behind the wheel before test day! Again, because you’re driving – you’ll need insurance. There are a few ways to do this.

1. You can be added to your parent’s insurance policy

The downside of this is it can be expensive to add a learner onto an existing policy and if you need to make a claim, your parents no claims discount will be likely affected

2. You can get Named Young Driver Insurance

This is a cheaper and easier alternative to being added on to mum or dads policy. It’s a whole new insurance policy for you, but on their car. If you need to make a claim, it’s through us so their No Claims Discount remains intact. Like out New Driver Insurance, it’s an annual policy without price increases when you pass your test. Same thing, just not your car.

3. You can get short-term insurance

If you want to get additional practice outside of your lessons in your parents’ car, but don’t plan to be driving it for a whole year – short-term cover could be the one for you. Short chunks of insurance (30, 60 or 90 days) to give you the cover just for the time that you need it!

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I’ve passed my driving test – what is the best insurance?

The type of insurance you will need will depend on the car you’re choosing to drive. Luckily we have a few different options so there should be the perfect kind of cover for you. Here’s a quick recap, to help you in deciding what to do next.

  1. Named Young Driver Insurance

Cover on Mum or Dads car, for a whole year. If you have a claim, their No Claims Discount is still intact.

  1. New Driver Insurance

You’ve got your own set of wheels and need insurance. We can make it easier and cheaper with a black box!

  1. Student Driver Insurance

You’ve passed your test but are living away from home as a student. This cover is short term cover on a parents’ car, perfect for the holidays.

Long story short, if you’re driving – you need insurance, it’s a pain but it’s the law. Hopefully, this small guide helps you out and makes the struggle of sorting your insurance that little bit easier. The question is, do you know which insurance product you’ll be going for?

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Chloe Martell profile

By Chloe Martell

'As a new driver, I'm so eager to share my driving journey with you all - from when I was a learner, going through my test and all the aspects of my driving life now, including my love of cars!'  See more posts by Chloe

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