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.
It will measure and then transmit details about how you are driving the car during each of your journeys. Take a look at our guide to reviewing your driving to find out more.
You can download the Marmalade Insurance App from both the App Store and Google Play. You must use this app to record all your journeys for your insurance to remain in force. Download the app from the App Store or Google Play.
If you have chosen to pay annually, you can drive from the start date of your policy, or cover will be in force as soon as you have paid if you have selected today’s date. All we ask is that you fit your telematics tag as soon as you receive it, and pair it with your smartphone, to ensure that cover remains in force. If you have chosen to pay by the mile, your policy will start as soon as you have fitted the telematics tag and paired it with the Marmalade smartphone app, as this needs to be set up in order to track the miles driven.
You can view your journeys as soon as your box telematics tag is fitted, you have downloaded the Marmalade Insurance App and you have paired them, following the instructions on the app. Download the app from the App Store or the Google Play store.
No. Unlike some policies which offer black box insurance, you are covered to drive any time you like, day or night.
The insured driver’s phone will pair with the tag every time they drive via Bluetooth, so we will know every time they are behind the wheel. However, if a trip is wrongly assigned, you can re-assign the trip in the app. Please be aware that dishonestly re-assigning your trips could result in cancellation of your insurance. To ensure the phone pairs with the telematics tag, Bluetooth must be enabled, and the phone should be charged to a minimum of 10% throughout the journey.
Yes, you can. You should connect the phone to the car’s on-board computer and change the songs/volume via the car rather than the phone. The phone cannot be touched whilst you are driving and ignition is on.
Of course, we don't want you getting lost. Provided that you set the navigation to start before you turn the ignition on and start your journey, then go ahead. However, once you are driving, you should not touch your phone until you are have stopped and turned the engine off, or it will flag as distracted driving.
If you’re a passenger in the insured car, and not driving, you can turn the Bluetooth off for the journey. If you need to keep your Bluetooth on, it’s best to let the person driving get in their car so that their phone pairs with the tag first, before you get in. If the trip is wrongly assigned to you, you can re-assign the trip in the app. Please be aware that dishonestly re-assigning your trips could result in cancellation of your insurance.
Our technology is pretty good, however, it can’t distinguish between the driver or the passenger holding the phone. This means that your phone should not be used by anyone in the car on your journey, or it may flag distracted driving.
We won’t charge an extra premium if you drive unsafely every now and then. However, if you repeatedly drive at risk, we may cancel your policy. Take a look at our Driver Caution process for all the full details.
You have the right to appeal the results with us within 24 hours of receiving a notification from us. Please call us on 0330 343 8814 to discuss this further.
Once your telematics tag is fitted and your policy has started you must not remove the device. You can read more about this in our Terms of Business.
The cost of the telematics tag is included in your insurance premium. Please note that if the policy is cancelled during the cooling off period, we will retain a cancellation fee to cover the cost of the telematics tag.
If you sell the car, you can simply remove the tag from the windscreen as it is self-adhesive. If you no longer require your tag, find out how to dispose of your tag in our guide to recycling your telematics tag. If you have transferred your insurance to another car, please fit the tag to the new insured car.
You can scan or photograph your driving licence and the V5C logbook and email them to [email protected] or post them to us at:
Named Young Driver Insurance Marmalade House
Alpha Business Centre
Mallard Road, Bretton
How do I access my policy documentation?
Once you have had confirmation of your cover, you will receive a link to your account, where you can download your policy documents.
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 Named Young 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.
Yes, you are insured to take the driving test in your car, and your cover will continue once you've passed. Before you commit to taking the test, please check the DVSA requirements to make sure you are going to be eligible on the day. The car should have valid tax and an MOT certificate. You must also have L-plates fitted and an extra interior mirror. Most importantly, don't forget to bring a copy of your insurance documents with you. You can read more about the requirements in our guide to taking your driving test in your own car. Once you’ve passed, contact us to let us know, and send us an email with a copy of the front and back of your full licence when you do receive it.
The policy is designed for you to be an additional driver of the car, covering Social, Domestic, Pleasure and Commuting. This means that you are not covered as the main driver of the car, but you’re covered to drive to a place or work or college if required.
This policy will only cover you to drive the car specified on the policy that has the telematics device fitted.
No. The policy only covers you for social, domestic, pleasure and commuting.
No, this policy is designed for young drivers that drive their parents’ car less than 50% of the time. Our black box insurance for your own car will cover you as main user of the car if the car is up to 25 years old. Get a quote online
Our Named Young Driver Insurance is a unique way of insuring a young driver on a parent’s car, long term, without adding them to the policy. As you are driving your parents’ car, we have a responsibility to keep the car owner informed. Following feedback from young drivers and parents alike, we want to make it easy for either party to look after the administrative side.
Cover is only provided under this policy for you, a secondary driver who is not named on the main insurance. The main insurance covers the vehicle and named drivers - therefore it does not cover the same risk as the main policy.
We’re gutted to say that, at the moment, we’re unable to set up two policies on one car, as we can only support one telematics device in the car at a time. We’re working hard with our telematics provider and underwriter to find a solution which would enable more than one young driver to be insured at the same time, so watch this space!
No, this policy will only cover you to drive in England, Wales, Scotland and Northern Ireland.
No, this policy does not provide legal protection to recover uninsured losses where you are not at fault.
If there is an accident, or the car has a fire or is stolen whilst your insurance is in force, you'll need to pay a compulsory excess of £750.
Our Named Young Driver Insurance is underwritten by Ageas Insurance. You can find details of your insurer in your policy documentation.
Yes. You will need to pay a deposit of 20% of your premium up front, followed by 11 monthly payments with Premium Credit, who are a lender. You will be given an illustration with your quotation.
Yes, you start earning this as soon as your policy starts. After 12 months of cover you will then have gained one year's No Claims Discount (providing you don't have any accidents or claims, of course!).
If your policy has not yet expired, you can download your Renewal Schedule by logging into your account. This confirms the number of years No Claims Discount you have earned. If your policy has expired, you will find a copy of this document attached to an email we sent you confirming cover had ended. If you are unable to locate the document, please email [email protected] and will send you a copy.
If you would like to change the car on your policy, or change your details, please call us on 0330 343 8814 and we’ll be happy to arrange this. There may be fees payable to make a change, please read our policy details page for more information. It’s important to let us know of any changes to ensure your insurance remains valid.
If you would like to cancel your policy, please give the team a call on 0330 343 8814. You can find details of our cancellation charges on our policy details page. If there has been a loss claim, there will be no refund and the full annual premium is payable.
Please check that Bluetooth and location services are enabled and that there is no metal or significant barrier between the smartphone and tag (e.g. the glove compartment). If you are having issues, we advise you to find the Marmalade Insurance App in your phone settings and turn off the permissions for a few seconds (e.g. location service) and then turn them back on. This should resolve the issue for future journeys.
Once it’s activated, the tag will sit on your windscreen with no lights. Provided your trips are recording in the app, it is all in working order. From time to time the light may flash when it is transmitting data to your smartphone or receiving a firmware upgrade. However, if you notice a red light, there may be an issue so we’d ask you to get in touch with us.
If you have problems opening the app on your phone, please give us a call on 0330 343 8814 and we will investigate.
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