PAY AS YOU GO INSURANCE

Students can save money by getting insurance by the mile on a parent’s car

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This cover is suitable for:

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Students looking for flexible cover
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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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Provisional & full licence holders aged 17-27
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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

If you’re at college or university, buying and running your own car can be costly, so why not share your parent’s car and just pay for the miles you drive? Being a student means budgeting sensibly, but doesn’t mean you should miss out on driving freedom until after you’ve graduated!

Pay as You Go 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 black box tech and smart app!

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 new 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, especially if they're learning or not in full time work). 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.

What are the benefits for students getting Pay as You Go Insurance?

Enjoy these great perks

    • Drive any time with no curfews or night-time driving restrictions
    • No risk to your parents No Claims Bonus and you start earning your own!
    • Save money by paying just for the miles you need
    • Seamless cover after you pass your test if you buy as a learner
    • Enjoy a 10% discount if you’ve had a Learner Driver Insurance policy with us before²

    DID YOU KNOW?

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

DID YOU KNOW?

This policy asks you to set an automatic top up amount, so you’ll never find yourself without cover!
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boy and dad in car happy
boy and dad in car happy
boy and dad in car happy

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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How does it work?

1
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!
2
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. There's no time limit on miles either, meaning it's super flexible for students who may not be driving that often!
3
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 all set for those road trips when you're home from uni!

Frequently asked questions

Is this policy good for students? arrow
Yes! This policy is great for students, whether you're living at home whilst you study or on campus. Pay as You Go Insurance allows students to simply pay for the miles they drive, making it a great alternative policy if you're not going to be driving that much!
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 Young Driver 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.
Can I buy pay as you go insurance as a learner driver?arrow
Yes, we’ll cover you to drive with a provisional licence, and the great news is that cover will continue seamlessly when you pass your driving test – with no increase in price.
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 who want the option to share a parent's car, and whose mileage is going to be fairly low, like students. 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 when you're home for the holidays from university!

Discover Temporary Student Insurance

Exclusively for university and boarding school students aged 18-27, our short-term temporary car insurance for students offers fully comprehensive cover on a friend’s or parent’s car.
Get cover for 7, 14, 21, 28, 35 or 42 days at a time.
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Weekly Car Insurance

If you're a student with a full licence, and you'd like short term cover from 1-6 weeks, check out our Student Car Insurance policy.

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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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Buying or borrowing a car?

We’ve taken a look at the pros and cons of buying vs borrowing a car to help you make the best choice for you.

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