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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.

How does it work?

The policy is designed to sit alongside the existing motor policy of the car you'll be driving and provides fully comprehensive cover while you're practising driving in that car.

If a claim needs to be made while you're driving, it will be made on your own policy and won't affect the No Claims Bonus of the car owner (which we're sure they'll be very happy to hear).

My parents are worried about how it will affect their policy? Is it 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. Cover is only provided under the Marmalade Learner Driver Insurance Scheme 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?

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 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 for a small administration charge of £10.

Are my parents the only ones who can supervise my driving?

No. 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 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.

Can I change the car I am insured to drive on?

Provided it meets the criteria of our policy, you can change the car you are insured to drive in. There is a £10 administration fee to make a change mid term.

Can I be insured on a car I own myself?

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

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.

Can I change my mind?

For policies over 30 days a 14 “cooling off” period applies. If you cancel within 14 days we will refund the days left on the policy, minus a £10 administration fee.

After the 14 day "cooling off" period, we can only offer a refund if you have 30 or 60 days left to run on your policy. If that happens, we will refund your premium, first deducting a charge for the cover provided from the beginning of the contract until the policy is cancelled, plus a £10 administration fee.

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

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 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 let us know when you pass (which you will do!) we'll refund any full 30 days worth of cover you have left on your policy for a small administration fee of £10. Unfortunately we cannot refund any incomplete 30 days cover you have left when you pass your test.

Our New Driver Insurance can help you to get on the road in your own 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)

Who provides the insurance cover?

Our Learner Driver Insurance policy is administered by Zenith Marque Insurance Services Limited. Zenith Marque Insurance Services Limited specialise in motor insurer focusing on private car, motorcycle and light commercial motor insurance.

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 standard IPT rate is 10%

Policies purchased prior to the Government changes on the 1st October 2016 had the previous rate of 9.5% IPT applied at purchase. Any Mid-Term changes that have incurred a further charge, that have taken effect after the 1st March 2017, have been charged at the new increased rate.

What age range do you cover?

Our Learner Driver Insurance provides cover for learner drivers up to the age of 34. Learner Drivers aged between 35 and 69 who have previously held Learner Insurance with us are able to renew their insurance, if they wish, and continue to enjoy cover.

Katie McCaughey 18, Kent says...

"Marmalade has an amazing service and it gives young drivers a great chance to practice because it is affordable, plus it didn’t affect my parents’ No Claims Bonus"