Student Driver 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.


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

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

Our Student Driver 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.

Can I drive any 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 I change the car I am insured to drive on?

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

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!

Do I get a refund if I cancel my policy?

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

What is IPT?

IPT stands for Insurance Premium Tax. This is a tax that must be added to General Insurance premiums in the UK. All insurance quotes on our website are inclusive of IPT at the current rate set by the Government.
The current rate of IPT is 12%.

My parents are worried about how it will affect their policy? Is it dual insurance?

It won’t affect the main insurance at all! Marmalade Student Driver Insurance is a temporary risk policy for you. Here is the technical bit…
Dual Insurance occurs when, in the case of insurance against loss or damage, the same items are insured against a certain risk under more than one insurance policy. Cover is only provided under the Marmalade Student Driver Insurance Scheme for drivers who hold a full UK licence and are not named in the main insurance policy covering the vehicle and therefore it does not cover the same risk as the main policy.

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

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

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.

How much does a Student Driver 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?

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.

Who provides the insurance cover?

Our Student Driver Insurance is underwritten by Ageas Insurance. Details of your insurer are shown on your policy documentation.

How do I know if I need to notify a medical condition to the DVLA?

Essentially, if you have a medical condition that may affect your driving, you will need to advise 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 on our Studen Car Insurance policy. However, we are unable to provide cover if you have not told the DVLA about a condition that should be notified to them, as this invalidates your licence.

We’re here to help

Speak to a member of our friendly team


Monday - Thursday: 9:00am - 6:30pm,

Friday: 9am - 5.30pm

Saturday: 9am - 3pm


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