Learner drivers insurance faqs

Here are some of the queries we're most commonly asked. If there is something you would like to know, then take a look through and see if we've answered it here.

Who can supervise my driving? Plus Icon

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!

Can I change the car on the policy? Plus Icon

Provided it meets the criteria of our policy and you contact us to update the vehicle details, you can change the car you are insured to drive in.

Can I drive any car? Plus Icon

The policy only covers you for driving the car you took your policy out for. But don't worry, you can always take out another policy for any other cars you might wish to drive. And you can even switch to a different car partway through your cover.

What happens when I pass my driving test? Plus Icon

Cover will stop immediately when you pass, so make sure you have someone to drive you home!

If you have purchased a 1 year policy, please advise us on passing your test as you may be entitled to a refund, provided you have not made a claim. This is based on the number of days left of the policy, minus a £50 administration fee. Please read our Terms of Business for full information.

Our New Driver Insurance can help you to get on the road in your own car, or you parents' car in a simple, safe and affordable way - get a quick quote here.

Thinking about buying a car when you pass? It's worth looking at our Cars for Young Drivers which combines a new car and Free Insurance, for the first 12 months, or an insurance contribution! (depending on your postcode)

Can a learner driver insure their own car? Plus Icon

No not with this policy. The policy is designed to sit alongside an existing motor policy of a car owned by someone else. Take a look at our New Driver Insurance (your car), which is designed to cover you to drive your own car and will cover you on a provisional and full licence!

My parents are worried it will affect their insurance. Is this dual insurance? Plus Icon

It won't affect the main insurance at all! Marmalade Learner Driver Insurance is a temporary risk policy on the learner driver. Here is the technical bit… Dual Insurance occurs when, in the case of insurance against loss or damage, the same items are insured against a certain risk under more than one insurance policy. Our Learner Driver Insurance provides cover for drivers who hold a provisional UK licence and are not named in the main insurance policy covering the vehicle and therefore it does not cover the same risk as the main policy.

What type of cars can be covered by Learner Driver Insurance? Plus Icon

We'll cover most cars as long as they're in insurance group 32 or less, have a current market value of less than £30,000 and are up to 20 years old.

Can more than one learner driver be insured on the same car? Plus Icon

The policy only covers you as the named driver, but each driver can have their own policy and practise in the same car.

How much does a Learner Driver Insurance policy cost? Plus Icon

It all depends on the length of policy you choose and where you live. Why not get a quick and easy quote here?

Prices includes your premium, Insurance Premium Tax and an administration fee of £5 for policies of 30 days, £10 for 60 days and £15 for 90 days, £20 for 180 days and £25 for a 1 year policy.

What is the excess if I need to make a claim? Plus Icon

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 I change my mind? Plus Icon

For policies of more than 30 days a 14 day "cooling off" period applies. If you cancel within 14 days we will refund the days left on the policy, minus an administration fee of £10 for policies up to 180 days and £20 for the annual policy*.

If your policy is for 7, 14 or 30 days, that there is no cooling off period, due to the short-term nature of the policy.

If you have purchased a 1 year policy, and you cancel after the 14 day cooling off you may be entitled to a refund, provided you have not made a claim. This is based on the number of days left of the policy, minus a £50 administration fee.

For full details on our cancellation policy, please read our Terms & Conditions

If you pass your driving test within the duration of your Marmalade Learner Insurance policy, your policy will be cancelled and the above rules (relating to cancellation within and outside the 14 day Cooling Off Period) will be applied.

Am I covered to take my driving test? Plus Icon

Yes, you are covered to take your test in the car. Be sure to print off and take your insurance certificate with you but do check with the test centre, in case there are additional requirements for taking the test in your own car. As the cover will cease when you pass, make sure you have someone to drive you home from the test!

Who provides the insurance cover? Plus Icon

Our Learner Driver Insurance is underwritten by either Ageas Insurance or Markerstudy Insurance Services. Details of your insurer are shown on your policy documentation.

What is IPT? Plus Icon

IPT stands for Insurance Premium Tax. This is a tax that must be added to General Insurance premiums in the UK. All insurance quotes on our website are inclusive of IPT at the current rate set by the Government.

The current rate of IPT is 12%

Policies purchased prior to the Government changes on 1st June 2017 had the previous rate applied at purchase. Any mid-term changes that have incur a further charge, that take effect after this date will be charged at the new increased rate.

What age range do you cover? Plus Icon

Our Learner Driver Insurance provides cover for learner drivers up to the age of 34.

How do I know if I need to notify a medical condition to the DVLA? Plus Icon

Essentially, if you have a medical condition that may affect your driving, you will need to advise the DVLA. The DVLA website contains details on the medical conditions that should be notified, and how to notify them.

If you have advised the DVLA of your condition and they have granted your licence, you can be covered on our Learner Driver Insurance policy. However, we are unable to provide cover if you have not told the DVLA about a condition that should be notified to them, as this invalidates your licence.