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Named Young Driver Insurance – Driver Improvement Process

Discover more about how we feedback on unsafe driving, to help you develop driving skills

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Marmalade’s telematics tag and app provide a means of recording the journeys and driving behaviours of the young driver named on the policy. Marmalade actively encourages and promotes safe driving behaviours as it not only reduces accidents but can help you save money by proving you’re a safe driver.

Be assured that we’re not big brother, and we’re not watching your every move – if you’re driving sensibly, not using your phone, staying within the speed limits and accelerating and braking appropriately, you won’t hear from us. The technology only highlights to us when mistakes are made. We are not seeking to punish every mistake, however, by providing feedback as soon as possible afterwards, it allows the driver to see what may have gone wrong and to learn from it.

‘Green’ and ‘Amber’ journeys do not flag a notification to us, whereas ‘Red Journeys’ will, if you repeatedly drive at risk. If you do drive at risk, we will communicate with you and explain what will happen next. We will try and help as much as we can to prevent there being a need to take any further action.

Staying ‘Green’ is definitely the way to go, as we will not need to take any further action, or need to make contact. Plus, our safest drivers are more likely to earn their No Claims Discount at renewal.

An ‘Amber’ journey is not disastrous – it will highlight minor or one-off issues which have caused the score to fall below the required standard. You will be able to identify these areas on the app to see where improvements can be made.

‘Red Journeys’ are the ones to avoid, as if they continue to occur and they can ultimately lead to the policy being cancelled. Don’t worry though, you will have few chances to improve before it would get to this stage.

The driver improvement and caution process

We’ve explained the process in full below, or you can take a look at a visual representation of the process here.

The first red journey

The first red journey that occurs is deemed as a ‘Free Warning’. We send you, and the car owner, notification of the journey so that it may be reviewed, and we call to talk through and explain the issues which led to the score falling.

The second red journey - Stage 1

If there is a subsequent red journey, after the free warning has been issued, we will issue you notification that you will enter a Red Zone, known as Stage 1 which lasts for 30 days.

During this time:

If you do not have a further red journey within this 30-day period, the Red Zone will expire there will be no further action. You will remain in Stage 1.

A subsequent red journey (outside the 30 day Red Zone) will result in a new Stage 1 notification being issued, during which a further 30 day probationary period will be applied.

If you do have a further red journey whilst you are in a 30 day Red Zone, you will move to Stage 2.

Stage 2

If you do not have another red journey within the Stage 2 Red zone of 30 days, there will be no immediate action.

However, a subsequent red journey (outside the 30-day Red Zone) will result in a new Red zone of 30 days beginning again, and the process described above will apply.

Having entered Stage 2, if you have another red journey within the Red zone of 30 days you will move to Stage 3 and a further Red zone of 30 days will begin.

Stage 3

If you do not have another red journey within the Stage 3 Red Zone of 30 days your policy will continue, and you will no longer be at immediate risk of cancellation.

However, a subsequent red journey (outside the 30-day Red Zone) will result in a new Red zone of 30 days beginning again, and the process described above will apply.

Having entered Stage 3, if you do have another red journey within the Red zone of 30 you will be issued with a notification that the policy will be cancelled. We will confirm, in writing, that the policy will be cancelled 7 days from the date of us notifying you in writing.

Of course, we hope that it will not be necessary to cancel your policy. These measures are purely there as a deterrent and a means of demonstrating there could be consequences for not driving safely. It is in everyone’s interests to stay ‘Green’, and we are here to help you achieve that.

How are the journeys measured?

Journeys are categorised into 3 levels, based upon the overall driving data and scores achieved, and these are displayed on the mobile app you will be given access to.

The 3 journey levels are:

Journeys are categorised into 3 levels, based upon the overall driving data and scores achieved, and these are displayed on the mobile app you will be given access to.,The 3 journey levels are:

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GREEN JOURNEY

Driving score of three, four & five stars

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AMBER JOURNEY

Driving score of two stars

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RED JOURNEY

Driving score of one star

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Good to know...

24-hour review - After any red journey we will give you and the current owner 24 hours to review the details on the app, during which time, we will not take any action if you have another red journey.

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