NAMED YOUNG DRIVER INSURANCE
An affordable way for young drivers to get on the road in a parent’s car
This cover is suitable for:
Learner & qualified drivers aged 17-27
Driving a parent's or grandparent's car
Earning a No Claims Discount
Seamless cover from learner to full licence with no price increase on passing
This cover is not suitable for:
The young driver as the main driver
Short term cover
Insuring cars more than £30,000 in value
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 - whether you are learning to drive or have passed your driving test. 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.
What are the benefits of having Named Young Driver Insurance?
- 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 - and the price stays the same when you pass!
DID YOU KNOW...
Buying this policy as a learner driver could save you over £200† - and the price won't go up when you pass!
- Comprehensive cover for the young driver on a parent’s car
- Seamless cover on a provisional and full licence, with no price increase when the young driver passes
- The policy sits separately to the parents’, meaning your No Claims Discount won’t be affected if the young driver needs to claim
- A cost effective alternative to adding a named driver to the parents own insurance policy
DID YOU KNOW...
Buying this policy as a learner driver could save you over £200† - and the price won't go up when you pass!
DID YOU KNOW...
Buying this policy as a learner driver could save you over £200† - and the price won't go up when you pass!
I'm a parent - is this a better option than adding a named driver onto my own policy?
Don’t worry parents – we’re not monitoring your driving (although you can still log onto your app 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.
What’s included in our policy?
Legal liability for death or injury
Damage to the car owner’s vehicle
Personal accident up to £2,500
Medical expenses up to £250
Personal belongings up to £100
3 quick steps to get covered
Frequently asked questions
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?
After a while, the tag and app will begin to recognise different driving styles and will assign trips to the policyholder or named drivers accordingly. 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.
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, the policyholder is insured to drive up to 10,000 miles per year, provided they are driving less than 50% of the trips in 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 set for the open road!
with insurance from the UK's leading name in young driver insurance*
Join thousands of young drivers enjoying comprehensive cover with no curfews or night-time driving restrictions.
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