Our annual Named Young Driver Insurance covers young drivers when they are behind the wheel of the parent’s car that is specified on the policy - provided they are driving less than 50% of the total trips in the car.
We'll cover provisional and full licence holders (aged 17-27) on most cars, up to insurance group 32 and with a current value up to £30,000, provided the vehicle is already insured by the car owner and is up to 20 years old. If you’re a learner, it even covers whoever is supervising your driving if they have to take control of the wheel in an emergency.
What's included in your cover?
| Legal liability for death or injury to any other person, including passengers |  |
| Legal liability for damage to other people’s property up to £20,000,000 | |
| Damage to the insured car | |
| 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 (payable in the event of a claim) | £750 |
This summary does not describe all the terms and conditions of your policy, so please take time to read the Policy Booklet (PDF 657 KB) so that you understand the cover it provides.
Do you have a question about our Named Young Driver Insurance? Read our Named Young Driver Insurance FAQs.
Happy with the cover?
It's quick and easy to get a quote to share the family car - with no risk to the car owner's No Claims Discount!
Cancelling your policy
If you, Marmalade, or our insurer cancel the policy within the 14-day cooling off period:
- We will refund the unused part of your premium.
- If there has been a claim where costs have not been recovered, there will be no refund as the full annual premium is payable.
- Policy administration fees are non-refundable.
If you, Marmalade, or our underwriter cancel the policy after the cooling off period:
- We will refund the unused part of your premium and a cancellation fee will apply.
- Policy administration fees are non-refundable.
- If there has been a claim where costs have not been recovered, there will be no refund as the full annual premium is payable.
Other fees and charges
- If you make changes to the policy during the policy term, we will charge a fee to make a mid-term adjustment.
- At the time you contact us to make the change, we’ll let you know the total price to be paid, including any fees, taxes and charges separately from the premium, so that you know the full breakdown before any changes are completed.
- If the telematics tag is faulty, we will replace this free of charge.
- If you have requested and received a new tag and your original tag is not faulty, a charge is payable for the device.
- If you tamper with or damage your device, a fee will be payable to replace the device.
Frequently asked questions
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 be more suitable.
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 you know the young driver is behind the wheel?
The insured driver’s phone will pair with the tag every time they drive via Bluetooth so we will know every time they are driving. 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.
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 not charge a cancellation fee. If you, Marmalade or our underwriter cancel the policy after the cooling off period, we will refund the unused part of your premium and a cancellation fee will apply. If there has been a claim where costs have not been recovered, there will be no refund as the full annual premium is payable. Policy administration fees are non-refundable.
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.
How do I earn my own No Claims Discount?
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 cancel my policy?
Please contact us on 0330 343 8814 to cancel your policy.
If you, Marmalade or our insurer cancel the policy within the 14-day cooling off period:
- We will refund the unused part of your premium.
- If there has been a claim where costs have not been recovered there will be no refund as the full annual premium is payable.
- Policy administration fees are non-refundable.
If you, Marmalade or our underwriter cancel the policy after the cooling off period:
- We will refund the unused part of your premium and a cancellation fee will apply.
- If there has been a claim where costs have not been recovered, there will be no refund as the full annual premium is payable. Policy administration fees are non-refundable.