What is covered by Marmalade’s Pay As You Go policy?

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Our Pay As You Go policy covers students when they’re behind the wheel of a parent’s car. You'll purchase 500 miles at the start of your policy, then you’ll need to arrange your auto top-up – this kicks in when you have 50 miles left and can be set to 100, 200, 300, 400 or 500 miles.

Not going to be driving too 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
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Legal liability for damage to other people’s property up to £20,000,000
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Damage to the insured car
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Windscreen repair/replacement
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
Excess (payable in the event of a claim)
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 that has not been used minus a cancellation fee 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 a fee 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.

Enjoy driving freedom!

Paying as you go sound good? We think so too.

Frequently asked questions

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.
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 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.

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