Annual Learner Driver Insurance
Discover annual insurance for learner drivers that suited perfectly for learning and will continue to cover on a full licence, so there’s no need to stress about getting new insurance when you pass your test.
Pick up annual insurance as a learner driver
Many learner drivers choose to take up extra driving practice outside of their lessons with an instructor, usually with a parent or friend accompanying them. If you’re in a position of looking for insurance for a learner driver, you may think that short term cover is your only option or that you'll be learning to drive as a named driver on an existing insurance policy, but this isn’t the case. There are loads of great reasons why we think insuring a learner driver annually is super useful.
We're here talking about Black Box Insurance (cover on a young driver's own car) and Named Young Driver Insurance (cover for a young driver on a parent's car). Both of these are annual policies that will cover a learner driver from provisional licence holder all the way to full licence holder. If you choose to pick either of these policies, young provisional licence holders could pay up to £373 less than full licence holders¹ - so what are you waiting for?
Discover two options to getting annual insurance as a learner driver
Annual cover on the young driver's car
Annual cover on a parent's car
Black Box Insurance
- No curfews or night time driving restrictions
- Seamless cover before and after passing test
- Perfect your manoeuvres before your test with telematics technology
- Smart app helps you develop driving skills
- Earn your own No Claims Discount
Named Young Driver Insurance
- No risk to the owners No Claims Discount
- No price increase when they pass their test
- An alternative to adding a named driver to an existing policy
- Young driver starts to earn own No Claims Discount
- Smart app helps you develop driving skills
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 product finder tool and find the perfect cover for you today!
The benefits of getting annual insurance as a learner driver
Cover before and after passing 
Whilst short term insurance is a great option for learners on a parent’s car, once the learner swaps their provisional licence for a full one, they’ll need to arrange new insurance cover to drive their parents or friend’s car, because they’re no longer covered as a learner. You can get annual insurance for a young driver on a parent's car and annual insurance with black box technology that will seamlessly switch over from learner to full licence with no price increase. All you’ll need to do is let us know and you’ll be good to carry on driving with a full licence.
Start earning No Claims Discount
Picking up one of these annual insurance policies will see learner drivers start to earn their own No Claims Discount (yes, even if the cover isn’t on their own car!) As many drivers know, this can see big savings when it comes to renewals each year so the sooner we can start earning this – the better! What’s even better – 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.
Save money when learning to drive
On average learner drivers in the UK spend £747 on driving lessons³, so it makes sense to save as much money as you can! Spend time during private practice to perfect the things your driving instructor has taught you, and you’ll spend less time going over it in lessons. Provisional licence holders will pay £200 less, on average, than full licence holders¹ so it makes sense to pick up this annual policy whilst learning to drive, and go from insurance as a learner to full insurance with no price increase when you pass!
Drive without curfews or restrictions
Telematics is one of the best options to keep prices down for learners and new drivers, but many come with night-time driving restrictions. At Marmalade, we don’t think it’s fair to penalise drivers on when they can and can’t get behind the wheel, just because they’re young! Whether it's an annual policy on the young drivers own car or on a parent's car with Marmalade means you can hit the road whenever you like and since almost 30%³ of young drivers wished they’d been better prepared for driving in the dark once they’d passed, we think this is a great way to get that practice in!
Stay safe the on the roads
Telematics technology helps young drivers build up their driving skill and confidence, leading them to become better and safer drivers. Using this technology as a learner driver can help you in seeing where you may be breaking harshly or accelerating a bit too much, meaning you can perfect these before test day comes. Marmalade customers are nearly 4 times safer⁴ so not only does it help when you’re learning, it helps once you’ve passed to keep you safe on the road.
Frequently asked questions
Can you learn as a named driver?
Many insurance companies will allow parents to add their child to their insurance policy as a named driver, however, this can often be quite costly (and may cost even more once they've passed) and if they need to make a claim, the car owners No Claims Discount will be affected. With Marmalade, getting annual cover on a parent's car couldn't be easier and takes both of those worries away - there's no impact on the car owners 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 get learner driver insurance with No Claims Bonus?
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. Many people think you think you can't earn No Claims Discount until they'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.
Can I go from learner insurance to full insurance?
You sure can! With short term learner insurance, you would need to arrange a new insurance policy once passed and you're not a learner anymore. 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.
Expired theory test refund
New and existing Marmalade customers can claim the cost of their theory test if it expired during lockdown!
Win a Brand New car!
Sign up to our newsletter for a chance to win a brand new car!
Visit the Driver Hub
Check out the latest stories and blogs from young drivers
