Learner Driver 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

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

Who can supervise my driving?

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 drive any car?

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.

Can a learner driver insure their own car?

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 Black Box Insurance, which is designed to cover you to drive your own car and will cover you on a provisional and full licence!

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

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.

How much does a Learner Driver Insurance policy cost?

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.

Can I change my mind?

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.

Who provides the insurance cover?

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 age range do you cover?

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

Can I change the car on the policy?

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.

What happens when I pass my driving test?

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 Black Box 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)

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

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.

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

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

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

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.

Am I covered to take my driving test?

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!

What is IPT?

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%

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

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.

We’re here to help

Speak to a member of our friendly Learner Driver team

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Monday - Friday: 9:00am - 5:30pm,

Saturday: 9:00am - 3:00pm

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