What is covered with Marmalade Annual Insurance on a parent's car?
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What’s included in your cover?
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.
- 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.
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.
Happy with the cover?
Frequently asked questions
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.
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.
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.
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!).
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.
