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Student Driver 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.

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).

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 in insurance group 26 or less, have a current market value of less than £25,000 and are less than 7 years old.

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 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 practise in the same car.

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.

How much does a Student Driver Insurance policy cost?

It all depends on the length of policy you choose and where you live. Why note 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 New Driver 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 £300, plus a further compulsory excess based on your age and the insurance group of the vehicle.

Standard Compulsory Excess £300
Additional Compulsory Excesses
Young & Inexperienced Drivers Aged 18-19 £300
Aged 20 £250
Aged 21-22 £150
Aged 23-24 £50
Vehicle Insurance Group 1-10 £Nil
11-20 £Nil
21-24 £Nil
25-26 £50

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 insurance cover?

Our Student Driver Insurance policy is administered by Zenith Marque Insurance Services Limited. Zenith Marque Insurance Services Limited specialise in motor insurer focusing on private car, motorcycle and light commercial motor insurance.

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 standard IPT rate is 10%

Policies purchased prior to the Government changes on the 1st October 2016 had the previous rate of 9.5% IPT applied at purchase. Any Mid-Term changes that have incurred a further charge, that have taken effect after the 1st March 2017, have been charged at the new increased rate.

Katie McCaughey 18, Kent says...

"Marmalade has an amazing service and it gives young drivers a great chance to practice because it is affordable, plus it didn’t affect my parents’ No Claims Bonus"