Short term insurance with no risk to the car owner's No Claims Discount. What’s not to love?
Provisional licence holders aged 17-34
Insuring a learner driver on a parent’s, friend’s, or family car
Learner drivers practising for their driving test
Full licence holders
Insuring the learner driver’s own car
Learning to drive in a van or commercial vehicle
The DVSA recommends learner drivers get as much driving practice as possible alongside lessons. Our short-term car insurance for learner drivers makes it easy and affordable to practice in a family or friend's car. How’s that you ask?
What’s more, insuring a learner driver on a parent’s car or friend’s car gives peace of mind to the car owner as well as the learner:
Forget sitting on the phone to your insurer, it takes minutes to get a quote and arrange cover get on the road straight away.
We exist to help young drivers get on the road. Since 2006 we’ve been committed to doing all we can to make it easier and more affordable for people to learn how to drive, and pass their test. (A big part of that is considering the needs of parents of learner drivers too!) That’s why, according to YouGov, we’re the UKs best known insurance provider dedicated to young drivers²:
What's covered by our Learner Driver Insurance policy?
Damage to the car owner’s vehicle
Personal accident up to £2,500
Medical expenses up to £250
Personal belongings up to £100
Is my cover affected during lockdown?
Your cover is not affected during this time. All drivers are covered for the purposes specified on their policy - this means that should you make a non-essential journey your cover will still be in force. There had been suggestion in the press that some car insurance policies will be invalid if you drive for a non-essential purpose. This is not the case. However, we do stress that you should follow government guidelines, as they are in place for good reason and for your own safety and well-being.
Who can supervise a learner and how old must they be?
Any driver who is over 25, who currently holds a current valid full UK driving licence, and has done for at least three years, can supervise you. It doesn't even need to be the person who owns the car. Of course, you'll need the permission of whoever owns the car - we're sure you knew that anyway! Read our guide to insuring a learner driver for the ins and outs of how learner insurance works!
What is the policy excess?
You will need to pay the first £250 towards the claim if there is a fire, the car is stolen or you have an accident whilst you're driving.
Can more than one learner driver be insured on the same car?
This learner driver car insurance only covers the learner driver named on the policy. However, if there is more than one learner driver to insure each driver can have their own policy and practise in the same car.
What is learner driver insurance?
Marmalade’s learner insurance allows provisional licence holders to get extra driving practice in a friend or family member’s car (read our guide to make sure you get the most out of private practice). This comprehensive policy sits separate to the car owner’s policy and covers the learner driver while they are behind the wheel, without affecting the car owner’s No Claims Bonus. As the name suggests, cover ends once the learner passes their test – as they’re no longer a learner driver!
Will I be covered to take my driving test with learner insurance?
Yes. You will need to take your insurance policy documents with you and ensure the car meets certain requirements set by the government. We’ve summarised the main points here but we advise you to read the full requirement on the government website.
- It must be taxed
- The car must be roadworthy (with a current MOT for cars over 3 years old)
There can’t be any warning lights showing
There can’t be any tyre damage or space saver tyre fitted
You must fit L plates to the front and rear of the car and an extra interior rear-view mirror for the examiner.
Can a learner be insured on their own car?
Yes – but not with this policy. This is a short-term policy designed to sit alongside an existing motor policy of a car owned by someone else. Our Black Box Insurance is designed to cover a young driver in their own car before and after they pass! If you're not quite decided yet what type of insurance you need, we've a handy guide to help you compare insurance options for learner drivers.
Here's what they say...
Black Box car insurance for learners will cover on a provisional licence and after you pass your test - with no price increase when you do!
Share your parents' car while you're learning and after you pass your driving test - with no risk to their No Claims Discount!
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