Named Young Driver Insurance FAQs

Will my cover 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

Where can I download the app?

You can download the Marmalade Named Young Driver 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.

Does this policy cover me to drive to college or work every day?

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.

Will Named Young Driver Insurance cover me as the main driver of the car?

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 here

How do you know the young driver is driving the car?

The policyholder will need to ensure their smartphone (with the Marmalade Young Driver app installed) is in the car every time they drive to ensure that they are covered for every trip they take, as this is how we know they are driving. The tag and app will begin to recognise different driving styles and will assign trips to the policyholder accordingly. However, if a trip is wrongly assigned to the policyholder, please contact us on 0333 358 3441 to re-assign the trip. If the policyholder’s smartphone is not in the car, or the driving style is not recognised as the policyholder’s, it will assume the car owner, or someone named on the main insurance, is driving.
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.

If this runs alongside my parents' insurance. Is it Dual Insurance?

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.

Can I drive before the telematics device is fitted?

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.

How do I provide copies of my documents to you?

You can scan or photograph your driving licence, the V5C logbook and Policyholder Declaration and email them to [email protected] or post them to us at:
Named Young Driver Insurance Marmalade House
Alpha Business Centre
Mallard Road, Bretton
Peterborough
PE3 8AF

Can I earn a No Claim Discount with Named Young Driver Insurance?

Yes, you start earning this up 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!).

What does the device look like and where should it be fitted?

The telematics device (which we call a ‘tag’) is smaller than a matchbox. It fits neatly and discreetly on the inside of the car’s windscreen, directly behind the rear-view mirror. It is really easy to fit with two strong self-adhesive pads - all you need to do is peel the backing strip and stick it firmly to the windscreen. You’ll be pleased to know that there are instructions on the app too!

What does the black box measure?

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.

What should I do if the telematics tag device or app is nor working properly?

If you have problems opening the app on your phone please give us a call on 0333 358 3441 and we will investigate.

What happens if I disagree with the data from the device has reported?

You have the right to appeal the results with us within 24 hours of receiving a notification from us. Please call us on 0333 358 3441 to discuss this further.

How much does it cost to have the telematics device installed?

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 £60 cancellation fee to cover the cost of the telematics tag.

What happens if I drive badly?

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.

Who is the insurer behind Named Young Driver Insurance?

Our Named Young Driver Insurance is underwritten by either Ageas Insurance or Markerstudy Insurance Services. You can find details of your insurer in your policy documentation.

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 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.

What is a No Claim Discount?

It's when you get a reduction in your premium as a reward for having a claim-free record for the year.

As the policy offers comprehensive cover, am I insured to drive other cars?

This policy will only cover you to drive the car specified on the policy that has the telematics device fitted.

Does the policy include business use?

No. The policy only covers you for social, domestic, pleasure and commuting.

Is there a night-time driving restriction?

No. Unlike some policies which offer black box insurance, you are covered to drive any time you like, day or night.

Why does my parent need to be authorised to make changes to the policy and receive copies of all communications?

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, and following feedback from young drivers and parents alike, we want to make it easy for either party to look after the administrative side.

Can I pay monthly for my insurance?

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.

Is there a mileage limit on this policy?

The policyholder is insured to drive a maximum of 10,000 miles per year, provided they are driving less than 50% of the trips in the car. As this policy is designed for a secondary user of the car, we believe this a very generous limit, so cover will not be provided for over 10,000 miles. If the young driver is going to be the main driver, our Black Box Insurance may me more suitable.

Am I insured to drive abroad?

No, this policy will only cover you to drive in England, Wales, Scotland and Northern Ireland.

How do I access my policy documentation?

Once you have been through the Welcome call and we have activated your policy, you will receive a link to your account, where you can download your policy documents.

Can I remove the device when I am not driving?

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.

What happens if I want to change the car specified on my policy?

You need to let us know of any changes to your circumstances to make sure your policy remains valid. This can be done by calling us on 0333 358 3441. Once you have transferred your insurance to another car, please remove your telematics tag from the previous car, and fit the device to the new insured car immediately.

How do I cancel my policy?

Please contact us on 0333 358 3441 to cancel your policy. Once you return the insurance certificate to us and, as long as you haven't made a claim, we'll issue you a refund, minus the time you have been covered and a £60 cancellation fee to cover the cost of the telematics tag. If there has been a loss claim there will be no refund and the full annual premium is payable.

Is legal cover included in the policy?

This policy does not provide legal protection to recover uninsured losses where you are not at fault.

What happens to the telematics tag if the car is sold?

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.

What is the excess on Named Young Driver Insurance?

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.

Can I view my journeys straight away?

You can view your journeys as soon as your box telematics tag is fitted, you have downloaded the Marmalade Named Young Driver app and you have paired them, following the instructions on the app. Download the app from the App store or the Google play store.