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An affordable way for young drivers to get on the road in a parent’s car

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This cover is suitable for:

bullet pointtickLearner and qualified drivers

bullet pointtickDrivers aged between 17 - 27

bullet pointtickDriving a parent's or grandparent's car


This cover is not suitable for:

bullet pointclose iconThe young driver as the main driver

bullet pointclose iconShort term cover

bullet pointclose iconInsuring cars more than £30,000 in value

Help me find my cover

Insurance on your parents’ car

Finding car insurance as a young driver can be a minefield, and that’s before you've thought about getting your own car. Marmalade’s unique Named Young Driver Insurance gives you the freedom to drive your parents’ car, but with your own comprehensive insurance policy. This cost cutting alternative to being added as a named driver has so many more benefits than just saving you money!

Not only will your parents No Claims Discount remain safe if you need to claim, because it’s your own policy, you’ll start to earn your own NCD. Perfect for when you get your own set of wheels! Using our clever black box technology, we can assess your driving when you’re behind the wheel of your parents’ car, and tailor your renewal premiums based on how well you drive. Find out more about how our black box insurance works in our telematics guide.

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What are the benefits of having Named Young Driver Insurance?

Benefits for the young driver
Benefits for the parent

    • Drive any time with no curfews or night-time driving restrictions
    • Comprehensive cover that allows you to earn your own No Claims Discount
    • Seamless cover before and after passing your driving test!
    • Get a quote


    Once you've had a Marmalade policy, you'll earn a 5% OFF† our Black Box Insurance when you come to insure your own car!


Once you've had a Marmalade policy, you'll earn a 5% OFF† our Black Box Insurance when you come to insure your own car!


I'm a parent - is this a better option than adding a named driver onto my own policy?

The cost of car insurance can be staggering, and even adding your child as a named driver onto your existing policy, to save money on buying a car, can still be pretty hefty. Our Named Young Driver Insurance is a hassle-free, affordable alternative – designed to save you money and time, whilst still getting excellent insurance cover for your child on your car. When the young driver is behind the wheel, the insurance starts, so if the young driver needs to make a claim, we know it’s during the time the policy is active and this cover is in place.
Don’t worry parents – we’re not monitoring your driving (although you can still log onto the portal to see how you’ve driven, if you wish)! We’re only interested when the young driver is behind the wheel and when they’ve started their journey on the app.
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    What’s included in our policy?

    Legal liability for death or injury

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    Damage to the car owner’s vehicle

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    Personal accident up to £2,500

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    Medical expenses up to £250

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    Personal belongings up to £100

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    Learn more about the policy

    3 quick steps to get covered

    Get a quote
    Get a quote in minutes, to see how much you could save with our Named Young Driver Insurance.
    Fit your black box
    You’ll receive a black box in the post complete with instructions. Once the black box is fitted, just give us a call and you’ll soon be on your way.
    Check out your driving app
    Once your black box is fitted and you’ve spoken to us– you’re set to go! Simply start your journey on the app to activate your cover.
    Get a quote

    Frequently asked questions

    Will this policy cover me as the main driver of the car?

    No, this policy is designed for young drivers that borrow their parents’ car for occasional use. 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. 

    How do you know who is driving the car?

    You will need to log in to the app and click “start” every time you drive the vehicle to ensure that you are covered for every journey you take, as this is how we know you are driving. You will not be insured while driving if you have not logged in to drive via the app. At all other times we assume the vehicle owner or someone named on the main insurance is driving.

    My parents are worried about how it will affect their policy. Is it Dual Insurance?

    It won’t affect the main insurance at all! This insurance cover is a policy that covers you while you are behind the wheel. Here is the technical bit… Dual insurance occurs when, in the case of insurance against loss or damage, the same items are insured against a certain risk under more than one insurance policy. Cover is only provided under this policy for you. The main insurance covers the vehicle and named drivers - therefore it does not cover the same risk as the main policy.

    Is there a mileage allowance on this policy?

    Yes, you can select to have cover for 3000, 4000 or 5000 miles per year. Miles driven by the policyholder must not exceed 50% of the overall monthly mileage of the car.

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    Why choose our Named Young Driver Insurance?


    Flexible payment options

    Choose to pay monthly, or in full - whatever suits you and your budget.


    No Claims Discount

    You will start to build up your own No Claims Discount with this policy and if you need to make a claim, your parents NCD won't be affected


    No curfews

    Drive day or night with no curfews or night-time driving restrictions. After all, driving is all about freedom!


    Cover before & after you pass

    Get insurance as a full or provisional licence holder, and we won’t increase the premium when you pass! Just give us a quick call to let us know.

    Get a quote

    Making a claim

    Our claim lines are open 24/7, all year round, if you need to make a claim

    Make a claim

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