Learner Driver Insurance is a flexible policy that helps you practise driving in a friend's or family car without affecting their No Claims Discount

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This cover is suitable for:

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Provisional licence holders aged 17-34
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Insuring a learner driver on a parent’s, friend’s, or family car
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Learner drivers practising for their driving test
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This cover is not for you if:

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You're learning to drive in a van or commercial vehicle

Increase your chance of passing with provisional insurance

The DVSA recommends learner drivers get as much private practice alongside lessons as possible, especially since the majority of learners are currently taking 6 months* or more to pass their test. 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?

  • With cover from £1.23 per day¹, it’s often more cost effective than adding a provisional driver to existing insurance
  • Marmalade learner insurance customers are 23% more likely to pass first time!³
  • 85% of people who passed their driving test on the first attempt practised driving outside lessons **

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:

  • Cover is comprehensive with a low excess of £250
  • There’s no risk to the car owner’s No Claims Bonus
  • This provisional car insurance covers them for the driving test

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're not the UKs best known insurance provider dedicated to young drivers² by chance…

Marmalade exists 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 UK’s best-known insurance provider dedicated to young drivers²:

  • Our learner insurance is comprehensive, and there’s no risk to the car owner’s No Claims Discount in the event the learner driver makes a claim
  • If you get a quote now, you could be on the road taking private practice in minutes. It’s that quick and easy to get covered!
  • Once you’ve held a learner insurance policy you can get a whole host of discounts and savings - including 10% off any of our car-sharing products, and 5% off insurance on your own car!

Why choose Marmalade’s provisional insurance?

If you're learning to drive, or you're a parent of a learner driver, you can be assured you're in good hands with Marmalade!
  • Our customers rate us “Excellent” on the independent review site, Trustpilot
  • We’re the UK’s leading name in young driver insurance†
  • We’re endorsed by the British Insurance Brokers Association as the Official Scheme Provider for Young Drivers
  • Our learner insurance is underwritten by Ageas, one of the UK’s largest insurers.
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What's covered by our Learner Driver Insurance policy?

Legal liability


Damage to the car owner’s vehicle


Personal accident up to £2,500


Medical expenses up to £250


Personal belongings up to £100


Common questions about learner insurance

What is learner driver insurance and how is it different to provisional insurance? arrow
Learner insurance and provisional insurance are the same thing, and simply put, it's insurance that covers a learner driver whilst they're practicing in a friend or family member's car. There are a few rules and stipulations around where you can drive and who with, which is why we put together our complete guide to learner driver insurance. If you've got more questions about how it works, we're pretty sure you'll find the answer over there.
Who can supervise a learner and how old must they be?arrow
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!
Before you head out practising, why not read our guide to make sure you get the most out of private practice
Will I be covered to take my driving test with learner insurance?arrow
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.
Will provisional insurance cover a learner taking their driving test in their own car?arrow
Our short term learner insurance policy will cover you to take your driving test in a family car or friend's car as it's designed to sit alongside an existing motor policy of a car owned by someone else. If your looking for car insurance for a driving test on your own car our - we can cover you with our Black Box Insurance! It is designed to cover a young driver in their own car before and after they pass with no increase in price on passing!

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.
Can more than one learner driver be insured on the same car?arrow
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.
Does temporary learner driver insurance cover you after you’ve passed your test?arrow
This policy is designed specifically for learner drivers, so cover will cease as soon as you pass your driving test. So, if you do take the test in the insured car - make sure you arrange a lift home from the test centre.
Your journey with Marmalade doesn’t have to end - discover the options with our insurance finder tool
Do you offer shorter term learner insurance?arrow
A lot of people look for really short term learner insurance, from one day or even just one hour. We don’t think that’s the best approach, you need regular practice over a few weeks to see any benefit, which is why our learner insurance starts at 30 days.
What is the policy excess?arrow
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.
What length of learner insurance policy should I choose?arrow
This will really depend on how far into your learning journey you are. If you’re at the start and haven’t yet booked your test, we’d recommend a 180 day policy as it’s likely to take you between 6 and 8 months to pass your test. If you have your test booked, it makes sense to choose a policy length that takes you near to the big day! The great news is that you can choose learner insurance for between 30 and 240 days – with the option to extend the policy by as little as 7 or 14 days until you pass. If you’re ready to go, it’s quick and easy to get a quote for your perfect policy length and you could be on the road in minutes!

Looking for something more specific?

expired theory test?

Has your theory test certificate expired?

New and existing Marmalade customers are able to claim the cost of their theory test if it expired during lockdown!

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Looking to insure your own car?

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!

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Looking for annual learner Insurance?

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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