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NAMED YOUNG DRIVER INSURANCE

Flexible and affordable car insurance on a parent's car for young drivers

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This cover is suitable for:

Young drivers aged 17 - 27

Driving a parent's or grandparent's car

This cover is not suitable for:

Insuring a young driver's own car

Short term learner insurance

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HomeNamed Young Driver Insurance

We know one of the most confusing, not to mention expensive, parts of getting on the road as a learner driver, or new driver, is getting the insurance sorted. That’s why we’ve come up with an affordable and hassle-free way alternative to adding a named young driver on a parent’s insurance!

We want to make it as easy as possible for young drivers to get on the road, which is why we offer two unique options for new driver insurance on a parent’s car. These are designed to help young drivers develop their driving skills with black box technology, as well as saving them money and allowing them to start building their own No Claims Discount.

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Our Named Young Driver Insurance policies use a small telematics tag to determine when the young driver is behind the wheel. The tag needs to be fitted directly behind the rear-view mirror (don’t worry, it’s super simple to do and it’ll come with step by step instructions). This analyses how and where you drive, as well as your driving style. Now don’t worry – we’re not watching your every move; only dangerous journeys are flagged to us. Drive safely and keep up your driving score and when it comes to renewal, we can offer you an extra discount, because driving safely pays, literally! The telematics tag will measure:

Acceleration
Braking
Cornering
Speed
Mobile phone use
Location and distance driven
Crash detection

What’s covered with Named Young Driver Insurance?

No risk to car owner's NCD

Young driver can earn their own NCD

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

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Can I 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:

What’s the cheapest way to get insured on a parent’s car?

That’s the million dollar question, right? The truth is that it depends on your circumstances. If you’re looking for temporary car insurance on a parent's car then a stand-alone short term policy may be the best option (and least hassle) as it can be quickly organised online and won’t affect the main insurance. If you’re looking for annual cover, getting a quote on our annual insurance on a parent’s car could prove more affordable than adding a young driver to the main policy. If you want more flexibility, you can choose to pay only for the miles you drive with our pay as you go insurance.

How can I get put on my parents' car insurance?

There are two ways to go on your parent’s insurance. One is to get added as a named driver to their insurance. This may mean your parent’s spending some time on the phone and can be expensive - and some insurers may not cover young drivers. We think it’s much easier to set up your own insurance. You can get a quote for Marmalade insurance on a parent’s car and set it up quickly and easily online - and the great news is that there is no risk to your parent’s hard earned No Claims Bonus.

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.

Can I get provisional insurance on a parent’s car?

Of course you can! This annual insurance policy will cover you as a learner driver and will continue seamlessly when you pass (with no increase in premium) - it’s quick and easy to get a quote and you can be covered in minutes. If you’re looking for something temporary, you can choose monthly provisional insurance. Either way cover is comprehensive and you can start driving straight away if you want.

How does the black box work in my parents' car?

Mum and dad may be pleased to know that we’re not looking at how they drive (although, we’re sure they’ll tell you they are perfect drivers anyway!). The box is super easy to fit as it just sticks to the inside of the windscreen and pairs with an app that you’ll need to download to your smartphone. We’ll monitor key aspects of your driving which include acceleration, braking, cornering, speed and phone distraction. If there is a cause for concern - we’ll get in touch and follow our Driver Improvement process. You’ll be pleased to know that 96% of journeys driven by our customers are classed as “good”, so it’s unlikely you’ll hear from us.

My parents are worried about insuring a child separately on their car. 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.

Will Named Young Driver Insurance cover me as the main driver of the car?

No, this cover is designed for young drivers that borrow their parents’ car and who are driving 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.

Can I get insurance on a parent's car for a week at a time?

If you're a full licence holders and you're only going to be using your parent's car every now and then, you could choose to pay by the mile so you have the flexibility to use the car as and when you need. You can buy 500 miles up front and top-up as and when you need to. Miles purchased last 12 months, and there's no hassle of trying to sort out a new policy every time you want to borrow the car as your insurance is ready and waiting for you to get behind the wheel!

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here's what they say...

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Only pay for what you use

Start off your policy with 500 miles insurance cover, and top-up as and when your miles are running low.

No Claims Discount

Your parents’ NCD won't be affected if you’re involved in an accident. Plus, if you keep your policy going for a full year without a claim, you earn a No Claims Discount too!

No Curfews

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

Cheaper car insurance for new drivers

This policy is ideal if you won’t be driving your parents’ car all that often. It’s there for you as and when you need it.

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Flexible payment options

Choose to pay monthly, or in full - whatever suits you and your budget – and start earning your No Claims Discount.

Cover for up to 10,000 miles

Ideal if you’re regularly driving a parent’s car, and are not the main driver. Plus, there’s no risk to your parent’s No Claims when you’re behind the wheel.

Instant cover and No curfews

You can get on the road straight away and drive day or night with no curfews or night-time driving restrictions!

Cover before & after you pass

Get insurance as a full or provisional licence holder, and we won’t increase the premium when you pass!

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Get on the road today...

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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Driving with a black box

Discover more about how the black box works and how it can save you money and improve your driving skills

Compare learner insurance options

Our simple guide helps you compare the options for getting insurance on a provisional licence, so you can relax and find the best option for you.

Compare learner insurance

Provisional to full licence insurance

Simplify your life with learner to full licence insurance on a parent's car. Discover why this makes sense and how much money you can save!

Learn more

Which option will you choose?

Insurance on a parent's car that fits around you - whether you're looking for annual cover or something more flexible!

Annual insurance

Cover for up to 10,000 miles per year*

Earn your own No Claims Discount
Cover as a learner and full licence holder
Fully comprehensive cover
No price increase on passing

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Learn more

Pay As You Go Insurance

Ideal for borrowing a parent’s car

Only pay for the miles you drive
Comprehensive cover for full licence holders
Auto top up of 100, 200 ,300 ,400 or 500 miles
No risk to car owner's No Claims Discount

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Learn more

IMPORTANT: Cover available in most UK postcodes. The vehicle you wish to be covered to drive must already be insured by the owner.

† Provisional licence holders pay £202 less, on average, than full licence holders. Based on Named Young Driver Insurance sales from 1.08.2019 – 31.10.2019.

* This online survey of 1500 UK learner drivers and qualified drivers aged 17-25, and 500 UK parents of learner drivers aged 17-25, was commissioned by Marmalade Insurance. This was conducted by market research company OnePoll in accordance with the Market Research Society's code of conduct. Data was collected 26/03/2019 to 12/04/2019.

Useful links

Young Driver Insurance

Guide to electric cars

Products

Cars for Young Drivers

Learner Driver Insurance

Black Box Insurance

Named Young Driver Insurance

Student Driver Insurance

CLOSED

Monday - Friday: 9am - 5.30pm

Saturday: 9am - 2pm

Sunday: Closed

Marmalade is a trading style of Young Marmalade Limited (registered in England under company number 04627884) and Provisional Marmalade Limited (Registered in England under company number 06779950). Registered office for both companies is Marmalade House, Alpha Business Centre, Mallard Road, Bretton, Peterborough, PE3 8AF. Young Marmalade Limited is an Appointed Representative of Provisional Marmalade Limited, which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 542063. You can check this on the Financial Services Register by visiting fca.org Representative of Provisional Marmalade Limited, which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 542063. You can check this on the Financial Services Register by visiting fca.org

NAMED YOUNG DRIVER INSURANCE

This cover is suitable for:

This cover is not suitable for:

Getting insurance on a parent's car

How does the insurance on a parent's car work?

Frequently asked questions

Our customers love us – here's what they say...

Pay as You Go Insurance option

Annual insurance option

Get on the road today...

Driving with a black box

Compare learner insurance options

Provisional to full licence insurance

Which option will you choose?

Annual insurance

Pay As You Go Insurance