If you’re confused by the options, check out this handy tool to help you choose – all of our learner insurance policies offer comprehensive cover for peace of mind.
Annual learner insurance on the learner’s own car
Learner drivers who have their own car can get learner insurance cover which does what it says on the tin – covers the learner whilst they are just that – a learner. Once the learner passes their test however, the policy will likely come to an end. This can include costs such as cancellation fees and, if the policy is cancelled before a full year has run, any No Claims Discount earned will be lost. Our research tells us that it takes a learner driver 6 months, on average to pass their test, so we offer an annual insurance on a learner’s own car that will continue to cover them after they pass their test, with change in the price. It seems fairer and less hassle, don’t you think?
Learner to full licence insurance on their own car
Getting insurance for learner drivers on their own car doesn’t need to be a hassle and they can start earning a No Claims Discount from day one. An annual insurance policy that covers learners and new drivers too is going to save a lot of time, money and stress because the same policy will run seamlessly from learner to newly qualified. Whilst some insurance companies may charge when the learner passes their test (something to check in the Ts&Cs before you buy) Marmalade’s Black Box Insurance gives the same price the whole way through. Provisional licence holders also pay £200 less, on average, than full licence holders, so it makes sense to start this policy before swapping the L plate for the P plate!
What are the best cars to insure learner drivers on?
The costs to insure different cars varies but getting a car that is smaller in a low insurance group will often see you with a cheaper insurance quote. We have a guide that looks at the best first cars for new drivers which you may find helpful.
Does learner insurance cover the supervising driver to take over?
Yes – should your supervising driver need to take over for any reason, this policy will cover them until the end of the session.
Is black box insurance good for learner drivers?
Yes – we think so! Black box insurance policies allow drivers to reflect on their journeys and review where they may be making mistakes, so this is super helpful for someone who is still learning how to drive. They can see where the driving was under good and under control, and also areas to improve. Marmalade young drivers are also nearly 4 times safer¹ than the national average because of the black box technology.
Can I add a provisional driver to my insurance?
Yes, you can. However, adding a named driver is often not as comprehensive, and puts your NCD at risk. Opting to take out learner insurance protects both you and the learner driver in case of an accident.
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