Learner Driver Insurance on your own car

One common question that we get asked, is “Can I get learner driver insurance on my own car?” – and the quick answer is yes, but there is a bit more to it!

Marmalade’s Learner Driver Insurance covers you to drive on a friend’s or family member’s car while you’re on your provisional licence, so this policy isn’t suitable if you have bought your own car. Don’t worry though, if you’ve got your own car, we can still cover you! You’ll need our New Driver Insurance - a fully comprehensive, black box insurance policy covering you as the main driver both as a learner, and once you’ve passed your test.  

Why doesn’t Learner Driver Insurance cover me on my own car?

Our Learner Driver Insurance is a short-term policy that sits alongside the car owner’s insurance, enabling you to drive on your own policy without affecting their No Claims Bonus. This policy covers you for 30, 60, 90, 180 days or 1 year to give you extra practice in the lead-up to your test, so it’s not a policy that is designed to cover you as the main driver on the car.

How do I get learner driver insurance on my own car?

Our New Driver Insurance is a fully comprehensive policy, giving you insurance on your own car. You can buy the cover while you are still on your provisional licence – enabling you to practice as much as you like, as well as using your own car for your driving test if you want to. 

Once you pass your test we won’t put the price of your policy up - just give us a call and let us know you’re a fully qualified driver, no need to worry about scrambling around for new insurance!

What will I be covered against?

The cover on the policy is fully comprehensive so you can be reassured that you're covered against fire, theft, malicious damages and any accidents while you're driving the car. You can read a summary of cover here.

What if I need to make a claim?

We hope you don't need to claim, but if you do, simply call our underwriter on 0345 600 0676. Claims START is a service from Allianz to help you through the early stage of making a claim. An immediate call to Claims Start will ensure that your claim is handled quickly and smoothly. It's always a good idea to make sure you have all your policy details to hand when you call to make a claim.