Named Young Driver Insurance FAQs
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.
Got a question? Take a look and see if we’ve answered it here
Can I still drive during lockdown?
You may drive for essential journeys only. You may leave the home to:
- shop for basic necessities, for you or a vulnerable person
- go to work, or provide voluntary or charitable services, if you cannot reasonably do so from home
- exercise with your household (or support bubble) or one other person, this should be limited to once per day, and you should not travel outside your local area.
- meet your support bubble or childcare bubble where necessary, but only if you are legally permitted to form one
- seek medical assistance or avoid injury, illness or risk of harm (including domestic abuse) attend education or childcare - for those eligible
The DVSA advise that Learner drivers may also take driving practice with a member of their household, provided it is for one of the essential journeys specified above.
If you do leave home for a permitted reason, you should always stay local in the village, town, or part of the city where you live. You may leave your local area for a legally permitted reason, such as for work. It goes without saying that if you are self-isolating you should not leave the house at all (unless it is to get a COVID test).
Read the full coronavirus guidance for the four nations via the links below:
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
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.
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.
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.
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.
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 insured driver’s phone will pair with 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.
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.
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.
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 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.
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
Named Young Driver Insurance Marmalade House
Alpha Business Centre
Mallard Road, Bretton
Peterborough
PE3 8AF
Am I insured to drive abroad?
No, this policy will only cover you to drive in England, Wales, Scotland and Northern Ireland.
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!).
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.
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 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 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.
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.
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, in accordance with the cancellation policy set out in the terms and conditions for your policy. If there has been a loss claim there will be no refund and the full annual premium is payable.
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.
Is legal cover included in the policy?
This policy does not provide legal protection to recover uninsured losses where you are not at fault.
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 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 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.
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.
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.
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.
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.
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.
Why can’t I see my journeys?
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 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.
How do I know the tag is working?
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 is 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.
Can I link my phone to my car to play music?
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.
Can I use a navigation app on my phone while driving?
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.
What do I do if I am a passenger in the vehicle?
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.
Can my passenger use my phone while I am driving?
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’re here to help
Speak to a member of our expert team for help understanding your Marmalade car insurance policy for learner drivers
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