What is covered by Marmalade’s Pay as You Go Student policy?
Our student Pay as You Go policy covers students when they’re behind the wheel of a parent’s car. Start by initially purchasing 500 miles and arrange auto top-up of 100 to 500 miles when you have only 50 miles left.
Not going to be driving often? Don’t worry - miles are valid for 12 months from the date of purchase, or top-up, so there’s plenty of time to use them. Plus you can keep on top of how many miles are left on the handy app!
What’s included in your cover?
Legal liability for death or injury to any other person, including passengers
Legal liability for damage to other people’s property up to £20,000,000
Damage to the insured car
Windscreen repair/replacement
Excluded
Personal Accident Benefits: For you or your spouse for death or loss of limbs/sight up to age 69
Up to £2,500
Medical expenses
Up to £250
Personal belongings
Up to £100
Foreign use
Excluded
Excess (payable in the event of a claim)
£750
This summary doesn't describe all the terms and conditions of the policy. Please take time to read the Policy Booklet to so that you understand the cover it provides.
Do you have a question about our Pay as You Go cover for students? Click here for further information
Cancelling your policy
Cancelling within the 14-day cooling off period
Cancelling outside the cooling off period
We hope you’ll stick with Marmalade but if you do decide to leave us within 14 days of the policy start date, here’s what to expect:
- We will refund the part of the initial premium, payable by you, that has not been used and a cancellation fee of £60 will apply for the provision of the telematics device.
- If we declare your policy void on the grounds of fraudulent activity, we will be entitled to keep any premium you have paid.
- If there has been a loss claim there will be no refund and the full annual premium is payable.
We’d be sad to see you go but if you do decide to leave after 14 days from the policy start date, here’s what to expect:
- We will refund the part of the initial premium, payable by you, that has not been used and a cancellation fee of £60 will apply for the provision of the telematics device.
- If we declare your policy void on the grounds of fraudulent activity, we will be entitled to keep any premium you have paid.
- If there has been a loss claim there will be no refund and the full annual premium is payable.
Other fees and charges
Making changes to your policy
Replacing the telematics tag
- If you make changes to the policy during the policy term, we will charge up to £15 to make a mid-term adjustment.
- At the time you contact us to make the change, we’ll let you know the total price to be paid, including any fees, taxes and charges separately from the premium, so that you know the full breakdown before any changes are completed.
- If the telematics tag is faulty we will replace this free of charge.
- If you have requested and received a new tag and your original tag is not faulty a charge of £60 is payable for the new device.
- If you tamper with or damage your device £60 will be payable to replace the device.
Enjoy driving freedom!
Could you save money by sharing a parents car and only paying for the miles you drive?
Frequently asked questions
Is this short-term student car insurance valid on all cars?
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?
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?
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.
Should students use their home address for their car insurance or university address?
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 you’re 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.
Parent advice
Advice and guides for parents helping their learner driver on their driving journey.
Black Box Mythbusters
There’s a lot of misconceptions around driving with a black box – we’ve got the facts on what’s true and false!
Visit the Driver Hub
Check out the latest stories and blogs from young drivers
