This is car insurance made for more experienced drivers. What’s more, it’s an online-only policy - so you can manage your cover at your own convenience. If you have questions or need assistance, the team are here to help on Live Chat.
We provide two levels of comprehensive cover for full licence holders in most UK postcodes, including Northern Ireland. Choose between Marmalade Essentials or Marmalade Classic!
What's included in your cover?
| Cover type | Marmalade Essentials | Marmalade Classic |
|---|---|---|
| Damage to your car | Up to market value | Up to market value |
| Liability (Claims against you or others named on your Certificate of Insurance) | ||
| Courtesy car (whilst yours is being repaired at a recommended repairer) | For the duration of repairs | For the duration of repairs |
| Repair Guarantee | 5 years | 5 years |
| Personal Accident | £5,000 | £5,000 |
| Personal Belongings | £150 | £250 |
| Emergency medical treatment | × | £250 |
| Replacement locks and keys | £300 | £750 |
| Using your car abroad | Up to 90 days- see policy wording | Up to 90 days |
| Windscreen and glass cover | × | |
| Uninsured Driver Promise | × | |
| Vandalism cover | × | |
| New car replacement | × | Up to market value |
This summary does not describe all the Terms and Conditions (PDF 30.8KB) of your policy, so please take the time to read the full details when you get your insurance quote.
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Policy Excess
What is an excess?
An excess is the amount of money you will need to pay towards any insurance claims you make. A compulsory excess is the amount you have to pay, and this is set by your insurer. Your voluntary excess is the amount you are willing to pay on top of your compulsory excess. Here are two examples of how the excess could work on a basic claim:
Example 1 – If you do not have a young or inexperienced driver on the policy
You have an accident in your car and the cost to repair the car is £2000. If you have a £150 compulsory excess, you would pay £150 towards repairs. Your policy would pay the remaining £1850. Voluntary excesses may apply.
Example 2 – If you have a driver under 21 on the policy
A 20-year-old driver has an accident in your car and the cost to repair your car is £2000. You would have to pay the young driver excess of £295 in addition to your £150 compulsory excess. This means you would pay £445 towards the repairs. Your policy would pay the remaining £1555. Voluntary excesses may apply.
Applicable excesses for Experienced Driver policies:
Cancelling your policy
If you need to end your policy, give us a call on 0330 343 8814. Cancellation charges may apply – please refer to your policy’s Terms of Business (PDF 30.8 KB) for more information.
Making a change to your policy
You can use the Customer Hub or Live Chat to make changes to your policy. Service charges may apply – please refer to your policy’s Terms of Business (PDF 30.8 KB) for details.