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

girl sitting in car

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
tick icon
Legal liability for damage to other people’s property up to £20,000,000
tick icon
Damage to the insured car
tick icon
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, 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.

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?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.
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.

Parent advice

Advice and guides for parents helping their learner driver on their driving journey.

black box myth busters

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!

friends happy on phones

Visit the Driver Hub

Check out the latest stories and blogs from young drivers

Trustpilot Logo
ICS member logo
Customer Service Excellence Awards
BIBA scheme provider logo
First car award 2019 winner logo