What we Cover

Important information about our learner driver policy

Our Learner Driver Insurance covers you to drive a family or friend's car while you're learning – all done in a clever way that doesn't risk the car owner's No Claims Bonus. We'll cover learner drivers on most cars up to insurance group 32 with a current value of up to £30,000, provided the vehicle is already fully insured and is up to 20 years old.

We’ve included a handy table for reference below, but basically you'll get comprehensive cover against fire, theft, malicious damages and any accidents while you're driving the car. It also covers damages to other people's property while driving. Wait, there's more! It even covers whoever is supervising your driving if they have to take control of the wheel in an emergency.

Significant features and benefits

Legal liability for death or injury to any other person, including passengers Included
Legal liability for damage to other people’s property up to £20,000,000 Included
Damage to your vehicle Included
Windscreen repair/replacement Excluded
Personal Accident Benefits: For you or your spouse for death or loss of limbs/sight up to age 69 Up to £2,500
Medical expenses Up to £250
Personal belongings Up to £100
Foreign Use Excluded

Excess

You will be required to pay the first £250 in the event of a claim.

Cancelling your policy

Cancelling before your policy start date Plus Icon

If you notify us that that you wish to cancel the policy before the policy starts, the following refunds will be made:

  • 7 or 14 day policy : Full refund
  • 30, 60, 90 or 180 day policy: Full refund of total premium, minus £10.00 administration fee
  • 1 year policy: Full refund of total premium, minus £20.00 administration fee

Cancelling after your policy start date Plus Icon

Please note that in the event of a claim being made, regardless of when the policy is cancelled, there will be no refund given.

If you notify us that you wish to cancel the policy once it is in force, the following rules will apply:

Cancelling within the 14 day Cooling Off Period

  • 7, 14 or 30 day policy : No refund
  • 60, 90 or 180 day policy: Refund of the part of the premium not used, minus £10.00 administration fee
  • 1 year policy: Refund of the part of the premium not used, minus £20.00 administration fee

(Example: 60 day policy cancelled after 10 days’ cover

Price of 60 Day Premium minus Total Cost of Days Used minus Administration Fee = Total refund: £139.52 - £23.30 - £10.00 = £106.22).

PLEASE NOTE : where applicable, the refund will be based upon the total cover provided – which will include the day of cancellation itself

If you cancel your policy outside the 14 day cooling off period, no refund will be issued except for the annual policy.

  • 7 day policy: N/A
  • 14 day policy: N/A
  • 30, 60, 90 or 180 day policy: No refund
  • 1 year policy: Refund of the part of the premium not used, minus £50.00 administration fee.

If you pass your driving test within the duration of your Marmalade Learner Insurance policy, your policy will be cancelled and the above rules (relating to cancellation within and outside the 14 day Cooling Off Period) will be applied.

This summary does not describe all the terms and conditions of your policy, so please take time to read the Insurance Policy Booklet to make sure you understand the cover it provides.

Have a question about our Learner Driver Insurance? Click here to read our Learner Driver FAQs.

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