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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

Can I learn to drive during lockdown?

The DVSA advise that learners can practise driving with members of their household or support bubble. However, it must only be for essential journeys. You may leave the home to:

- Shop for basic necessities, for you or a vulnerable person

- Go to work, or provide voluntary or charitable services, if you cannot reasonably do so from home

- Exercise with your household (or support bubble) or one other person, this should be limited to once per day, and you should not travel outside your local area

- Meet your support bubble or childcare bubble where necessary, but only if you are legally permitted to form one

- Seek medical assistance or avoid injury, illness or risk of harm (including domestic abuse)

- Attend education or childcare - for those eligible
If you do leave home for a permitted reason, you should always stay local in the village, town, or part of the city where you live. You may leave your local area for a legally permitted reason, such as for work. It goes without saying that if you are self-isolating you should not leave the house at all (unless it is to get a COVID test).

Will my policy be affected by COVID-19?

Your insurance cover and your ability to make a claim during this time will not be affected. As you may be aware, many companies have their teams working remotely and may be managing with higher staff sickness than normal, so at these times it may take a little longer to get through on the phone. Read our COVID-19 update here

Who is able to supervise my driving?

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 3 years. It does not have to be the car owner (assuming you have permission from the car owner, of course!)

How do I change the car on my policy?

You can change the car on the policy, provided it still meets the criteria of the policy. You can contact us on 0333 358 3441, during office hours, or log into your account to change the vehicle details. Please note that you can only be insured on one are at any given time.

Can I drive any car with Learner Driver Insurance?

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?

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)

Is this insurance suitable if I am the main driver of the car?

We're afraid not. This policy only covers you, as the policyholder and a secondary driver, to drive a car that is owned and insured by someone else. If you're looking to insure yourself as the main driver, our Black Box Insurance, will cover you on a provisional licence and the price won't go up when you pass!

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

It won't affect the main insurance at all! insuring a learner driver with this policy 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 vehicles 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 you cover multiple learner drivers on this policy?

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?

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 and £20 for a180 day policy.

What would I need to pay towards a claim?

A £250 excess would be payable towards a claim you make on this 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.

Am I insured to take my driving test?

Yes, you are insured 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 underwrites Marmalade's Learner Driver Insurance?

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 does Learner Driver Insurance cover?

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?

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.

Learner Driver Insurance FAQs

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