Learner Driver Insurance FAQs

Here are some of the queries we're most commonly asked. If there is something you'd like to know, take a look here. If it's not answered here then get in touch.

Young driver with instructor

Got a question? Take a look and see if we’ve answered it here

Who is able to supervise my driving?arrow
For cover to be valid for this policy, the person that supervises your driving must be aged 25 or over, and have held a full UK driving licence for a minimum of 3 years. It does not have to be the car owner, assuming you have permission from the car owner.
How do I change the car on my policy?arrow
You can change the car on the policy, provided it still meets the criteria of the policy. You can contact us on 0330 343 8814, during office hours, or log into your account to change the vehicle details. Please note that you can only be insured on one car at any given time.
Can I drive any car with Learner Driver Insurance?arrow
You are only covered for driving the car you specified while taking out your insurance policy. If you want to drive another vehicle, you can change the car on your policy or take out separate insurance.
What happens when I pass my driving test?arrow
Cover will stop immediately when you pass, so make sure you have someone to drive you home!
If you have purchased an annual 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 an administration fee. Terms of Business for full information.
Our Black Box Insurance can help you to get on the road in your own car, or your parents' car in a simple, safe and affordable way - get a quick quote here.
Is this insurance suitable if I am the main driver of the car?arrow
We're afraid not. This policy only covers you to drive a car that is owned and insured by someone else, as a secondary driver. If you're looking to insure yourself as the main driver, our Black Box Insurance, will cover you on a provisional and full licence, with no price increase on passing!
My parents are worried it will affect their insurance. Is this dual insurance?arrow

Don't worry, your learner driver insurance will have no impact on either parents' or the car owner's insurance policies. Dual insurance occurs when the same items are insured against a certain risk under more than one insurance policy.

Our Learner Driver Insurance is a temporary risk policy, providing cover for drivers who hold a provisional UK licence and are not named in the main insurance policy covering the vehicle. Therefore, it doesn't cover the same risk as the main policy and doesn't constitute dual insurance.

What vehicles can be covered by Learner Driver Insurance?arrow
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 you cover multiple learner drivers on this policy?arrow
Learner Driver Insurance covers a specified driver, to drive a specified car, so we're afraid we can't cover more than one person per policy. However, you can take out separate policies for each learner to drive the same car.
How much does a Learner Driver Insurance policy cost?arrow
It all depends on the length of policy you choose and where you live. Why not get a quick and easy quote here?
What would I need to pay towards a claim?arrow
A £250 excess would be payable towards a claim you make on this policy.
Can a provisional driver drive a Motability car with learner driver insurance?arrow
We can provide cover on the majority of Motability cars with our learner insurance. It's quick and easy to see if we can provide cover via our online quote form.
Am I insured to take my driving test?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 suggest you read the full requirements in our advice on taking the driving test in your own car, but we've summarised the main points here:
- The car must be taxed
- The car must be roadworthy (with a current MOT for cars over 3 years old)
- There must not be any warning lights showing
- There must not be any tyre damage or space-saver tyre fitted
- You must fit L plates to the front and rear of the car and an extra interior rear-view mirror for the examiner

The cover ceases immediately after the test has been passed, so make sure you organise a lift home.

Who underwrites Marmalade's Learner Driver Insurance?arrow
Our Learner Driver Insurance is underwritten by Ageas Insurance. Details of your insurer are shown on your policy documentation.
What age range does Learner Driver Insurance cover?arrow
Our Learner Driver Insurance provides cover for provisional licence holders up to the age of 34.
How do I know if I need to notify a medical condition to the DVLA?arrow
You'll need to advise the DVLA if you have any medical conditions that may affect your driving. For full details on the medical conditions included, and how to notify them, visit the DVLA website.
How do I receive my policy documents?arrow
One you've purchased your policy you will receive an email with a link to log in and view your policy documents. If you prefer, you can request paper copies of these documents at any time during the policy term, by emailing [email protected]. No charge will be made for this.
Does car insurance start at midnight?arrow
If you select today's date as the start date, your cover will start today and expire at 23.59 on the last day of the policy. If you select a future date, it will begin at 00:00 on this date and expire at 23:59 on the last day of the policy. Start and end dates will be on your policy documentation, and we will send you reminders when your policy is due to expire.
Can you have two insurances on one car?arrow
Yes, two drivers can have insurance on the same car. For Learner Driver Insurance, for example, the learner and the car owner will each have their own insurance policy.
What is the maximum engine size for a new driver?arrow
There is no law regarding this, and at Marmalade we don’t take your engine size as a determining factor when it comes to your quote. We cover most cars as long as they have a current market value of less than £30,000, are up to 20 years old and in insurance group 32 or less.
How do I cancel my policy?arrow
If you would like to cancel your policy, please get in touch on 0330 343 8814.
For policies of more than 30 days, a 14-day cooling off period applies. If your policy is for 7, 14 or 30 days, there is no cooling off period, due to the short-term nature of the policy. If you have an annual policy and you cancel after the 14-day cooling off period, you may be entitled to a refund, provided you have not made a claim. This is based on the time elapsed since taking out the policy, minus an administration fee. You can find details of our refund policy and cancellation charges on our policy details page. Refunds are not available if you have made a claim.

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