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New and learner drivers can get insurance on demand on a parent’s car with our pay as you drive car insurance option, only paying for the miles they need!

Happy girl driving car
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This cover is suitable for:

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Full and provisional licence holders aged 17-27
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Driving a parent's or grandparent's car
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Paying just for the miles you need
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This cover is not suitable for:

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Insuring cars more than £30,000 in value

Pay per mile for your car insurance

Buying your own set of wheels can be costly and if you’re not driving regularly, it can mean a lot of wasted money. That’s where Pay as You Go Insurance policy comes in! Our smart black box tech allows new driver and learner drivers to pay by the mile for their insurance, on a parent’s car – meaning you could save over £1200¹ versus what the average young driver would expect to pay!

Pay per mile car insurance puts you in control! Start with 500 miles and arrange auto top up of 100 to 500 miles when there’s 50 miles left. Don’t worry if you won’t be driving much - miles are valid for 12 months from the date of purchase, or top up, and you can keep on top of how many miles are left on the handy app. What’s more, young drivers develop safe driving skills with our app and box!

What are the benefits to getting Pay as You Go Insurance?

Enjoy these great perks

    • Drive any time with no curfews or night-time driving restrictions
    • Share a parent's car with no risk to their No Claims Bonus!
    • Young Driver earns No Claims Bonus for every year without a claim
    • Miles remain valid for 12 months from purchase
    • If you buy as a learner driver, the price won't go up for passing your test

    This policy asks you to set an automatic top up amount, so you’ll never find yourself without cover!


This policy asks you to set an automatic top up amount, so you’ll never find yourself without cover!

How does it work?

Get a quote
Get a quote in minutes – we cover most UK postcodes, including Northern Ireland. The price for your first 500 miles includes the cost of the smart telematics tag so there’s no surprise fees!
Set your top-up miles
You purchase this policy at an initial 500 miles. Then you can choose your auto top up amount of 100, 200, 300, 400 or 500 miles which is added when you’re down to 50 miles remaining.
Fit the black box
We’ll send you an easy to fit black box within 2 working days (it’s called a “tag” as it’s so small) and a link to our app. When your tag arrives, install it and you’re good to go!

Frequently asked questions

Can I drive straight away with this policy?arrow
We’re afraid not. You will need to fit your tag and pair it with the Marmalade Insurance App on your smartphone so that we can measure the number of miles used. We aim to get the box to you within couple of days, so it won’t be long – and your policy will start as soon as the box and smartphone app pair successfully.
How do you know how many miles I have used?arrow
Your tag and app will measure the miles driven as it will recognise when you are behind the wheel. Your miles remaining will show at the top of your dashboard on the driving app so you can keep an eye on it yourself.
How do I top up my miles? arrow
Sit back and relax as we’ll have it all in hand! Your miles will top-up automatically when you have 50 miles left. Payment will be taken from your card and we’ll send you an email to confirm.
What happens if I run out of miles? arrow
The beauty of this policy is that you don’t need to worry about running out, as the policy will auto top-up when you have 50 miles left. But don’t worry, if you decide you don’t need the cover to continue, you can simply give us a call and we will cancel the policy and refund any miles remaining since your last top up.
Why do I need to set up an automatic top-up for this policy?arrow
As you are only covered for the miles you have purchased, we don’t want our customers to be in the position that they do not have insurance in force if they have forgotten to top up or run out of miles in the middle of a long journey. Our auto top-facility ensures that you always have the miles you need to get from A to B.
How do you know the young person is driving the car?arrow
The insured driver’s phone will pair with tag every time they drive via Bluetooth so we will know every time they are behind the wheel. 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.
Can I earn No Claims discount on this policy?arrow
Yes, providing the policy runs for a full year with no breaks in cover, and you don’t have a claim during that time, you will earn a year’s NCD.
Are there any curfews or night-time driving restrictions?arrow
None whatsoever, provided you are driving safely. Driving is about freedom after all, so whether you’re heading home from work or popping out for some late-night snacks, we’ve got you covered!
Who is pay as you go car insurance most suitable for?arrow
This policy is ideal for young people want the option to share a parent's car, and whose mileage is going to be fairly low. It's most cost effective if you're likely to be driving less than 3500 miles. There a lots of reasons to choose pay per mile insurance, for example you may just need borrows mum or dad's car a couple of times a week, or you may be a student that is home for the holidays and need more flexible cover.
Am I insured to take my driving test?arrow
Yes, you are insured to take the driving test in your car with our Pay As You Go insurance, and your cover will continue seamlessly once you have passed. Before you book your test, check your eligibility with the DVSA requirements. These include making sure that the car is taxed and MOT’d, and that it has L-plates and an extra interior mirror. Don't forget to bring a copy of your insurance documents with you. Read more about the requirements in our guide to taking your driving test in your own car. When you pass, don’t forget to call us to let us know, and email us a copy of the front and back of your full licence when you receive it.
Can I set up two Pay As You Go Insurance policies on one car?arrow
We’re gutted to say that, at the moment, we’re unable to set up two policies on one car as we can only support one telematics device in the car at a time. We’re working hard with our telematics provider and underwriter to find a solution to enable more than one young driver to be insured at the same time, so watch this space!

See how much you could save!

Get your insurance on demand from the UK’s leading name in young driver insurance*
Useful for new drivers who don’t have their own car just yet – plus 96% of customers say they would recommend us!³

Is buying insurance by miles better than short term cover on a parent’s car?

Yes, we think it is – and here’s why. The price to add a young driver onto an existing insurance policy can be eye-watering (and that’s if you can get quote at all – some companies won’t cover young drivers). If you do get cover, and the young driver needs to make a claim, the parent’s hard earned No Claims Discount will be affected. Another thing to consider is there may be admin costs involved with adding and removing a named driver onto a policy – so if the young driver only plans on being covered for a couple of months, this makes it a very expensive way of doing things!

Pay as you go insurance is different. It’s a completely separate policy for the young driver that sits alongside the parents –and if the young driver does need to make a claim, Mum and Dad don’t have to worry about their NCD. Paying only for the miles used means a cost saving too – if the young driver won’t be driving all that much, why pay sky high premiums? It doesn’t make sense to us – and this is where this policy comes in. It saves money, time and a whole lot of hassle so the young driver can get on the road without all the fuss. If you're still unsure, we've written a guide on everything you need to know pay as you go insurance.

boy and dad in car
boy and dad in car
boy and dad in car

What’s covered by our Pay as You Go Insurance?

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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Girl and mum with car keys

Annual Insurance

If you’re planning on driving your parent’s car regularly discover our annual option that covers you on a full or provisional licence!

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