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Car insurance for students to share a parent’s car - and only pay for the miles they drive!

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This cover is suitable for:

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Learners and full licence holders
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Drivers aged 17-27
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Paying only for the miles you need
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Students looking for flexible cover
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This cover is not suitable for:

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Insuring cars more than £30,000 in value

Temporary student car insurance

Our new pay per mile student car insurance is perfect for students living at home or who are back from uni for the holidays to keep enjoying their freedom by sharing a parent’s car.

This comprehensive policy gives you the flexibility to borrow the family car as and when you need to and just pay for the miles you drive - without affecting your parents’ precious NCD. It combines the benefits of short-term car insurance for students, with the benefits of an annual policy as it allows you to start earning a No Claims Discount! As you only pay for the miles you drive (and they’re valid for 12 months), you don’t waste any unused days of cover and your insurance is ready and waiting for you when you need it!

Looking for weekly student car insurance instead?

If you have had a weekly student car insurance policy with Marmalade and would like to continue with a short term policy, can log into your account to arrange weekly cover.
If you're looking for insurance from 1 to 6 weeks at a time - take a look at our weekly car insurance option exclusively for students!

Student friendly car insurance from the UK’s best known insurance provider dedicated to young drivers¹!

Since 2006 Marmalade's been working tirelessly to develop straightforward and cheaper car insurance for students and young drivers in general. We know students need added flexibility and a solution that is easy on the pocket. With our short-term pay as you go insurance for students you can enjoy:

  • Comprehensive cover on a parent’s car with no risk to their No Claims Discount
  • Only pay for the miles you drive! Start off with 500 miles and get auto top ups when you’re running low
  • Keep track of your miles and driving score with our smart black box and app!
  • Keep the policy running for a whole year without making a claim, and earn your own No Claims Discount
  • Enjoy 10% off if you’ve previously held Learner Driver Insurance

Short term student car insurance FAQ’s

I would like to renew my weekly Student Car Insurance policy, how do I do this?arrow
If you've had a weekly student car insurance policy with Marmalade and would like to re-arrange short term cover for between 1 and 6 weeks, please log into your account to take out your policy.

If you would like to find out more about our short term cover for students head to our weekly car insurance page.
Can I get temporary insurance on my own car?arrow
Our pay as you go student car insurance is designed to sit alongside an existing motor policy of a car owned by a parent or grandparent. If you have your own car, take a look at our Black Box Insurance, an annual policy which is designed to cover you to drive your own car.
Why would students need temporary student car insurance?arrow
This policy is designed to help students keep their independence and get the freedom of the road, even if they don’t have their own car. It’s perfect for the holidays for returning university students, and those who live at home and just want to borrow a car from time to time!
Is this short-term student car insurance valid on all cars?arrow
We'll cover most cars as long as they're under 20 years old, up to insurance group 32 and no more than £30,000 in value.
Will this student car insurance allow me to drive any car?arrow
This policy is a short term flexible insurance option for students to get cover on a parent’s car and will only cover the student to drive the car specified on the policy. The car needs to have a main insurance policy in place – as this policy will only provide cover when the student driver is behind the wheel.
Do you offer a student discount on car insurance?arrow
You’ll be pleased to know we offer some nice loyalty discounts. If you’ve previously held a Marmalade Learner Driver Insurance policy with us for at least 90 days, we’ll give you 10% off your Student Car Insurance. And, if you choose to insure with our student driver policy, we’ll give you 5% off our Black Box Insurance if you insure your own car with us in the future.
Is car insurance cheaper for students than the employed?arrow
Insurance can be cheaper for students, as it is seen as a lower risk than some occupations but the quote for insurance is based on a number of factors, such as your age, the car you drive, where you live and your driving history, etc...
Should students use their home address for their car insurance or university address?arrow
This is a really good question. Essentially, we will need to know your home address and where the car is kept overnight. For the majority of students at uni, their home address is still likely to be with their parents. So when you’re asked your home address enter what you consider your home. We will then ask where the car is kept overnight – it may be the same address, or, if you are borrowing someone else’s car or keeping the car at another address during the policy term, you will need to specify that address for where it is kept overnight.
Do you have a student ambassador scheme?arrow
If you’re a keen blogger or vlogger you can earn vouchers and rewards by joining our Ambassador programme. Register today and we’ll ping you an email when we have new opportunities – you can just pick and choose the ones that suit you!
Am I insured to take my driving test?arrow
Yes, you are insured to take the driving test in your car with our Student insurance, and your cover will continue once you've passed. Before you commit to taking the test, please check the DVSA requirements to make sure you are going to be eligible on the day. Make sure you have paid the right tax and have an updated MOT certificate. You must also have L-plates fitted and an extra interior mirror, and most importantly don't forget to bring a copy of your insurance documents with you. You can read more about the requirements in our guide to taking your driving test in your own car. Once you’ve passed, contact us to let us know, and send us an email with a copy of the front and back of your full licence when you do receive it.

How does student car insurance by the mile work?

Get a quote
Get a quote in minutes - we cover most UK postcodes, including Northern Ireland. The price you see is for the first 500 miles of your policy, and includes the cost of the telematics tag, so there’s no surprise fee’s!
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!
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What’s covered by our temporary insurance policy for students?

Legal liability


Damage to the car owner’s vehicle


Personal accident up to £2,500


Medical expenses up to £250


Personal belongings up to £100


Why choose Marmalade’s student driver insurance?

Student drivers (and their parents) can be assured they're in good hands with Marmalade!
  • We're rated "Excellent" by our customers on the independent review site, Trustpilot
  • We're proud to be endorsed by the British Insurance Brokers Association as the Official Scheme Provider for Young Drivers
  • We’re the UK’s best-known insurance provider dedicated to young drivers, according to YouGov statistics¹
  • Our student driver insurance is underwritten by one of the UK’s largest insurers, Ageas Insurance
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Want to insure your own car?

Students could save money and develop safe driving skills with our Black Box car insurance – drive day and night with no curfews!

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Weekly insurance for students

If you’re a student looking for insurance by the week, our weekly student option is perfect. Choose from 1 to 6 weeks cover at a time.

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Learner insurance for students

Get ready to pass by practising your driving skills in a friend’s or family member’s car – with no risk to their No Claims Discount.

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