Call us on 0333 358 3441

Student Car Insurance FAQs

Here are some of the queries we're most commonly asked. If there is something you would like to know, then take a look through and see if we've answered it here.

Can I still 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

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:

England Scotland Wales Northern Ireland

Will my cover be affected by COVID-19?

Your insurance cover and your ability to make a claim during this time will not be affected. As you may be aware, many companies have their teams working remotely and may be managing with higher staff sickness than normal, so at these times it may take a little longer to get through on the phone.
Read our COVID-19 update here.

How does it work?

The policy is designed to sit alongside the existing motor policy of the car you'll be driving and provides fully comprehensive cover while you're driving in that car. If a claim needs to be made while you're driving, it will be made on your own policy and won't affect the No Claims Bonus of the car owner (which we're sure they'll be very happy to hear).

Is temporary insurance dual insurance?

Marmalade Student Car Insurance is a temporary risk policy that just covers you, as the policyholder, when you are behind the wheel. Dual Insurance occurs when the same items are insured against a certain risk under more than one insurance policy. Cover is only provided under the Marmalade Student Car Insurance Scheme for drivers who hold a full UK licence and are not named in the main insurance policy covering the vehicle. This means it does not cover the same risk as the main policy.

I'm a student at school. Am I able to take out a Student Car Insurance policy?

Our Student Car Insurance is designed to cover university students who are living away from home and return for short periods in the holidays. As such, we will also cover students who live away at boarding school. If this is the case, you will need to use you .sch email address to take the policy out. Fear not, we offer student car insurancefor students living at home.

What type of cars can be covered by Student Car Insurance?

We'll cover most family cars as long as they're up to insurance group 32 and have a current market value up to £30,000.

Am I able to drive more than one car?

The policy only covers you for driving the car you took your policy out for. But don't worry, you can always take out another policy for any other cars you might wish to drive.

Can more than one student driver be insured on the same car?

The policy only covers you as the named driver, but another student driver can take out their own policy to drive the same car.

Can I change the car I am insured to drive?

As it is a short term policy, you cannot make a change to the vehicle you are insured to drive.

How much does a Student Car Insurance policy cost?

It all depends on the length of policy you choose and where you live. Why not get a quick and easy quote here?

Can I be insured on a car I own myself?

No not with this policy. The policy is designed to sit alongside an existing motor policy of a car owned by someone else. Take a look at our Black Box Insurance, which is designed to cover you to drive your own car!

What is the excess if I need to make a claim?

If there is an accident, or the car has a fire or is stolen whilst you're driving, you'll need to pay a compulsory excess of £500.

Do I get a refund if I cancel my policy?

We're afraid not, as it is just a short term policy.

Who provides the cover for Student Car Insurance?

Our Student Car Insurance is underwritten by Ageas Insurance. More details on your insurer are shown in your policy documents.

What type of medical conditions need to be notified to the DVLA?

Any medical condition that could affect your driving should be advised to the DVLA. The DVLA website contains details on the medical conditions that should be notified, and how to notify them. If you have advised the DVLA of your condition and they have granted your licence, you can be covered with our Student Car Insurance policy. However, cover will not be offered if you have not told the DVLA about a condition that should be notified to them, as this invalidates your licence.

Win a Brand New Car!

Visit the Driver Hub

Check out the latest stories and blogs from young drivers

Visit the Driver Hub

Become a Marmalade blogger!

Get involved, share your stories and earn shopping vouchers

Become a blogger

Useful links

Guide to Electric Cars

Young Driver Insurance

Learner Advice

Products

Cars for Young Drivers

Learner Driver Insurance

Black Box Insurance

Named Young Driver Insurance

Student Car Insurance

CLOSED

Monday to Friday: 9am - 5.30pm

Saturday: 9am - 2pm

Sunday: Closed

Change cookie settings

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 Nile Street, Stoke-On-Trent, England, ST6 2BA. 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.uk 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.uk

Student Car Insurance FAQs

Got a question? Take a look and see if we’ve answered it here

Win a Brand New Car!

Visit the Driver Hub

Become a Marmalade blogger!