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STUDENT CAR INSURANCE

Weekly or Pay As You Go Car Insurance for students driving a friend or family member’s car – with no risk to the car owner’s No Claims Discount!

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This cover is suitable for:

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Sharing a family car
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17-27 year olds insuring by the mile
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Students aged 18-27 for weekly cover
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Students looking for flexible insurance
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This cover is not suitable for:

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Insuring cars more than £30,000 in value

Temporary Student Car Insurance

Home from school or university and eager to get behind the wheel? Once you’ve convinced a friend or family member to let you borrow their car while you’re back, you’ll need to sort out some insurance so that you’re properly covered.

Getting added onto the car owner’s policy as a named driver is an option but, when it’s only a short-term thing, sorting out your own policy, separate to the main insurance on the car, is worth considering too – and could be a quicker, easier and cheaper option.

At Marmalade, we offer two different options of convenient cover for students – Pay As You Go and Weekly Insurance.

Student Car Insurance options

Short term Student Car Insurance

For students in higher education

  • dotChoose cover from one to six weeks
  • dotCover in a family car or friend's car
  • dotInstant comprehensive cover and no curfews
  • dotExclusively for higher education students

Pay As You Go Student Car Insurance

For drivers aged 17-27

  • dotPay just for the miles you drive
  • dotNo risk to the car owner’s No Claims Discount
  • dotComprehensive cover on a parent’s car with no curfews
  • dotEarn a No Claims Discount for every claim-free year
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Looking to insure your own car?

If you’re lucky enough to have your own set of wheels, you’ll be pleased to know we do car insurance for students away at university or living at home to cover you as the main driver.

Why choose Marmalade Student Driver Insurance?

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Flexible options

With two different types of policies and different lengths of cover, our student insurance is flexible and hassle-free.
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Tailor made for students

Our student insurance has been specifically designed with students in mind to offer convenient, fully comprehensive cover.
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No risk to the car owner’s No Claim’s Discount

By taking out your own student policy instead of being added onto the car owner’s main policy, you’re protecting their No Claim’s Discount!
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No risk to the car owner’s No Claims Discount

Your folks can relax about sharing their car - as their No Claims Discount won’t be at risk

What is the difference between Temporary Student Car Insurance and Pay As You Go Student Car Insurance?

Our Pay As You Go Insurance does what it says on the tin. You choose the number of miles you need to be covered for – you have the whole year to use them and if you run out, you can top them up. That way you know you’re covered every time you’re driving that car.


If you only need cover for a week or two at a time, our Weekly Student Car Insurance does just that. It’s a temporary, short-term policy that insures you for a few weeks at a time to drive a friend or family member’s car.

Check out the key differences between Temporary Insurance
and Pay As You Go Insurance for students:

Temporary Student Driver Insurance

Handy for borrowing a car short term

  • dotOne to six weeks of cover
  • dotCovers you to drive a friend or family member’s car
  • dotYou can be covered straight away - with no black box
  • dotExclusively for higher education students

Pay As You Go Car Insurance

Handy for sharing a parent’s car

  • dotPay just for the miles you drive
  • dotSmart black box to keep track of miles and review journeys
  • dotStart with 500 miles and top up as you go
  • dotEarn a No Claims Discount for every claim-free year
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Student Car Insurance FAQ’s

What is Student Car Insurance?arrow
Car insurance for students is specifically designed around the needs of students. We offer a range of options to cover students to share a parent’s car. We can help you find your cover in just 3 clicks with our insurance finder tool .
Do Marmalade offer car insurance for university students?arrow
Yes indeed. Our Weekly Student Car Insurance is designed exclusively for university students and students in higher education, to enable them to borrow a car on a short-term basis. For students who are living at home, or who are coming home during the holidays and weekends, our Pay As You Go Insurance allows more flexibility by allowing students to pay by the mile. Miles stay valid for 12 months, so it’s a great way to start earning a No Claims Discount.
Why would students need Temporary Student Car Insurance?arrow
This policy is designed to help students keep their independence and get the freedom of the road, even if they don’t have their own car. It’s helpful during the holidays for returning university students, and those who live at home and just want to borrow a car from time to time!
What cars are Pay As You Go and Short-term Student Car Insurance valid for?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 friend or family member’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 Marmalade offer a car insurance student discount?arrow
Our student policies are priced specifically for students, so we don’t offer an additional student discount but you’ll be pleased to know we do offer some loyalty discounts. If you’ve previously held a Marmalade Learner Driver Insurance policy with us, we’ll give you 10% off Weekly Student Car Insurance or Pay As You Go Insurance.

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Do students get cheaper car insurance or is car insurance more expensive for students?arrow
A quote for insurance is based on a number of factors, such as your age, the car you drive, where you live and your driving history, so the price will vary from person to person. Being a student may be seen as a lower risk occupation so may help bring the cost of your insurance down versus some other occupations (depending on the type of student you are), however, new drivers and drivers with limited experience are likely to pay more than older, more experienced drivers due to the higher risk of a claim. When arranging insurance, it’s really important that the information you enter to get a quote is accurate to ensure that cover remains valid.

Why not try our insurance finder tool to see what options may suit you, and get a quote?
Which of my two addresses should I use for my student car insurance?arrow
We’ll ask you for your home address and where the car is kept overnight. For your home address, you can put whichever you consider to be home. When entering where the car is kept overnight, this might be the same address or a different one – depending on whose car it is.

Do Marmalade offer student driver insurance on a parent’s car?arrow
Yes, both our Weekly Student Car Insurance and Pay As You Go Student Insurance are designed for students borrowing their parent’s car! If you’d like help choosing, our handy insurance finder tool could help you find your cover in just three clicks.
Can students get temporary insurance on their own car? arrow
Our student car insurance is designed to sit alongside an existing motor policy of a car owned by someone else. If you have your own car, take a look at our Black Box Insurance, an annual policy which is designed to cover you to drive your own car.
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What’s covered Marmalade’s student driver insurance policies?

Legal liability

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Damage to the car owner’s vehicle

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Personal accident up to £2,500

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Medical expenses up to £250

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Personal belongings up to £100

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Want to insure your own car?

Students could save money and develop safe driving skills with our Black Box car insurance – drive day and night with no curfews!

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Weekly insurance for students

If you’re a student looking for insurance by the week, our weekly student option is a great option. Choose from 1 to 6 weeks cover at a time.

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Learner insurance for students

Get ready to pass by practising your driving skills in a friend’s or family member’s car – with no risk to their No Claims Discount.

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