Annual Learner Driver Insurance

Discover Annual Insurance for learner drivers that provides seamless cover, from provisional licence to full licence, with no price increase.

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Pick up Annual Insurance as a learner driver

Looking for learner driver insurance? There are a load of options for you to consider, such as short term cover becoming a named driver on an existing policy or taking out insurance on your own car.

If you’re after a year’s cover, we offer two options for Annual Learner Driver Insurance:
Black Box Insurance (cover on a young driver's own car)
Named Young Driver Insurance (cover for a young driver on a parent's car)
The good thing about both policies is that you are covered with a provisional licence and a full licence – without the stress of having to sort new insurance after you’ve passed your driving test. Plus, we won’t increase the price upon passing!

The benefits of getting Annual Insurance as a learner driver

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Cover before and after passing your test

Our Annual Insurance will seamlessly switch over from learner to full licence with no price increase. Just let us know you’ve passed, and you’ll be good to carry on driving with a full licence.
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Start earning No Claims Discount

Learners can start earning their No Claims Discount - even if the cover isn’t on their own car! If the young driver needs to make a claim on their policy on a parent's car, the No Claims Discount of the car owner isn’t affected.

Drive without curfews or restrictions

Whether it's an annual policy on the young driver's own car or on a parent's car, with Marmalade you can drive whenever you like, with no curfews or restrictions.
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Help you stay safe the on the roads

Telematics can help learners see where they may be braking harshly or accelerating a bit too much, meaning they can perfect their skills before test day comes and after they’ve passed.

Discover two options to getting Annual Insurance as a learner driver

Black Box Insurance

Annual cover on the young driver's car

  • dotNo curfews or night time driving restrictions
  • dotSeamless cover before and after passing test
  • dotPerfect your maneuvers before your test with telematics technology
  • dotSmart app helps you develop driving skills
  • dotEarn your own No Claims Discount

Named Young Driver Insurance

Annual cover on a parent's car

  • dotNo risk to the owner’s No Claims Discount
  • dotNo price increase when you pass their test
  • dotAn alternative to adding a named driver to an existing policy
  • dotYoung driver starts to earn own No Claims Discount
  • dotSmart app helps you develop driving skills

Get extra driving practice with Learner Driver Insurance

Many learners choose to take up some extra driving practice, outside of their lessons with a driving instructor, with a friend or family member supervising. Private practice is a great opportunity to perfect important skills and maneuvers such as parking and driving in the dark ahead of your test.

Not sure where to start with private practice? No problem, discover our 10 tips for driving practice between lessons.

Save money when learning to drive

We know that learning to drive can cost a pretty penny which is why learners (and their parents) often get in some private practice, allowing the learner to hone their skills outside of pricey driving lessons.

Opting for an annual policy with Marmalade can also save you a few quid because there is no price increase when you pass your test, so you won’t be hit with a nasty bill!

Want more tips? Check out our handy guide.

Still not sure which product you need?

We're here to help with a wide range of flexible insurance options to suit you.
Use our insurance finder tool and find the cover for you today!

Frequently asked questions

Can you learn as a named driver? arrow

Yes, you can! Many insurance companies will allow parents to add a learner to their insurance policy as a named driver, however, this can often be quite costly (and may cost even more once they've passed). Plus, if they need to make a claim, the car owner’s No Claims Discount will be affected.

With Marmalade, you don’t need to worry about that when getting annual cover on a parent's car as there's no impact on the car owner’s No Claims Discount if a claim needs to be made, and no price increase when the learner goes from provisional licence to full.

Can you earn a No Claims Bonus with Learner Driver Insurance?arrow
Many people think you can't earn No Claims Discount until you've got a full licence, but that isn't the case. Whether you opt for learner insurance on the young driver's own car or a parent's, they'll start earning their own No Claims Discount and (as long as they don't need to claim) this should help them with the cost of their insurance at renewal. Short term insurance won't see learner drivers earning their own No Claims Discount, because they need to have had a policy for a full year with no claims for this to happen.
Can I go from learner insurance to full insurance? arrow
You sure can! With annual cover on a parent's car or annual cover on the young driver's car all you need to do is give us a call to let us know you've passed, and you can carry on driving, but with a full licence, -and we won't increase the price. With short term learner insurance, you would need to arrange a new insurance policy once passed and you're not a learner anymore.

Parent advice

Advice and guides for parents helping their learner driver on their driving journey.

black box myth busters

Black Box Mythbusters

There’s a lot of misconceptions around driving with a black box – we’ve got the facts on what’s true and false!

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Visit the Driver Hub

Check out the latest stories and blogs from young drivers

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