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Car Insurance

Car Insurance

Student / Young / Learner—Driver Car Insurance

The range of car insurance products on offer are:

We've teamed up with Marmalade—specialist car insurance providers, to offer niche policies suitable for students and young drivers.


Young Driver Insurance, Telematics/Black Box

So you've passed your test and can now drive legally on your own, but there is one thing hindering your independence, the cost of the car insurance!

Using Marmalade young driver's car insurance and it's clever black box technology you could be on your way in no time.

  • We have low starting premiums.
  • No surcharge or curfews for night time driving.
  • Online feedback to review and to help improve your safe driving skills.
  • Only safer, newer cars are eligible for our car insurance (maximum 6 years old and a top engine size of 1.4 liters; as these are considered the safest types of car for new drivers).
  • No claims bonus can be accumulated from the beginning.

Why choose Marmalade New Driver Insurance?

  • Compared to non-black box car insurance, we could save you £100s, or maybe even £1,000s on your car insurance.
  • We'll give you the maximum discount on your premium right away, because we trust you to drive responsibly and safely from the start.
  • Our smart black box technology aids you in improving your safe driving skills, by providing you with some very useful feedback on your ABCs - that's your Acceleration, Braking, Cornering and Speed.
  • We have one of the most advanced telematics systems around, but one of the easiest to use. With access to clear online information so that you can review how you've been driving, also you can take advantage of some excellent free e-learning modules to help make you an even safer driver. Obviously if you drive irresponsibly (which we're sure you won't!) there are additional premium charges and ultimately we may have to cancel your policy.
  • The black box itself is fitted in your car by us. It's only about the size of a mobile phone and we usually hide it away somewhere, like behind the glove box.
  • Unlike some policies, there are no curfews or extra charges for driving at night, so you are free to drive at any time you like (which is the whole point of being able to drive anyway, isn't it?)
  • We only insure newer cars, less than six years old, with a minimum 4 star Euro NCAP safety rating, which are proven to be safer.
  • You can start building your No Claims Bonus from the start. And it is portable, so you can take it forward with you to your next policy.
  • If you're a learner driver who owns their own car then this is ideal for you because once you pass your test and start driving on your own, your insurance premiums won't increase.


Insurance For New/Young Drivers—Do's & Dont's

Do's

Answer questions fully and honestly. If the young driver is a named driver on your car insurance, ensure you answer all the questions your insurance company asks as fully as possible. If not you could run the risk of not being able to claim under the policy and it could even result in your policy being voided. If you have any doubts or qeeries ask your insurer for help and information.

Be aware of the consequences of getting your insurance wrong. If a young driver is involved in an accident and the insurer refuses to pay out, the driver will be treated as if they are not insured. This will result in a fine and six points on their license, which is an automatic ban for new drivers. Then there will be the uninsured claim for you to settle and it will be very difficult to get cover in the future. And that is too scary to contemplate.

Dont's

Never put the young driver on a policy as an additional driver if, in fact, they are the main driver, even if you own the car! The expectation is that their use of the car will be as an occasional driver. Whereas, if they are the main driver, the premium must be calculated on them and not you. Witholding material facts like this will invalidate your policy, leaving you uninsured.

If your son or daughter own their own vehicle, never try to insure the car in your name, trying to gain lower premiums due to your age and/or no claims discounts. As you don't own the vehicle, you have no insurable interest in it, the young driver and owner of the car does. In the event of any claims the insurance company refuse to pay-out and void the policy too.


Learner Driver


Whilst you are learning to drive the 'Learner Driver Insurance' insures you to drive a family or friend's car — all done in a clever way that doesn't risk the car owner's No Claims Bonus. Provided the vehicle is already fully insured, we can cover for most cars up to insurance group 32, with a current value of up to £30,000.

See the reference table below, for benefits and features — but basically you'll get comprehensive cover against fire, theft, malicious damages and any accidents while you're driving the car. It also includes cover for damage to property of other people while driving. It also covers whoever is supervising your driving if they have to take control of the wheel in an emergency.


Significant features and benefits

Legal liability for death or injury to any other person, including passengersIncluded
Legal liability for damage to other people’s property up to £20,000,000Included
Damage to your vehicleIncluded
Windscreen repair/replacementExcluded
Personal Accident Benefits: For you or your spouse for death or loss of limbs/sight up to age 69Up to £2,500
Medical expensesUp to £250
Personal belongingsUp to £100
Foreign UseExcluded


Cancellation Fees and Excess

Cancellation fee
£10
Excess (Payable in the event of a claim)
£250


This summary does not describe all the terms and conditions of your policy, so please take time to read the Insurance Policy Booklet to make sure you understand the cover it provides.

Student Driver

The Student Driver Insurance insures students, who are in higher education, to drive a family or friend's car — arranged in such a way so as not to risk the car owner's No Claims Bonus. Provided the vehicle is already fully insured we can cover the student to drive a specified car up to 7 years old, insurance group 26 with a current value of up to £25,000.

See the reference tables below, for benefits and features — but basically you'll get comprehensive cover against fire, theft, malicious damages and any accidents while you're driving the car. While the student is driving it will cover damage caused to other people's property.

Significant Features and Benefits

Legal liability for death or injury to any other person, including passengersIncluded
Legal liability for damage to other people’s property up to £20,000,000Included
Damage to your vehicleIncluded
Windscreen repair/replacementExcluded
Personal Accident Benefits: For you or your spouse for death or loss of limbs/sight up to age 69Up to £2,500
Medical expensesUp to £250
Personal belongingsUp to £100
Foreign UseExcluded
Excess

Standard Compulsory Excess
£300
Additional Compulsory Excesses

Young and Inexperienced Drivers
Age
Excess
18 - 19
£300
20
£250
21 - 22
£150
23 - 24
£50


Vehicle Insurance Group
Group
Excess
1 - 10
Nil
11 - 20
Nil
21 - 24
Nil
25 - 26
£50



This summary does not describe all the terms and conditions of your policy, so please take time to read the Insurance Policy Booklet to make sure you understand the cover it provides.

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.

Cars for Young Drivers

Being a young driver is hard enough these days but it needn't be so with these no nonsense car and insurance packages for young drivers. Our Fuel & Go offer helps young drivers to get a car with a low deposit and free insurance, discounted insurance or we will provide a contribution towards your deposit, so get a quote now on a range of cars from leading manufacturers!

A brand new car

There are a range of cars to choose from, from leading manufacturers such as – Ford, Vauxhall, Fiat and Peugeot – to name but a few! Buy with cash, or choose one of our affordable finance options from just £169† per month.

12 months' free insurance

In most postcode areas, on many cars, we can offer free black box insurance for the first year. Where we can’t offer free insurance, we will offer discounted insurance or a contribution towards your deposit.

Low deposit

You can secure a new car with just £500 deposit, but if you want to pay more up front you can easily change your deposit amount.

Designed for drivers aged 17-24

A tailored package to get you on the road in your first car, at fab prices. Finance† is only available from age 18, but don't worry if you're not eligible for finance, an application can be made by a parent or guardian!


† Finance is subject to status and only available from age 18. Free insurance available in selected postcodes. Your new car will be covered through Marmalade with a discreet black box. Unsafe driving skills could lead to a premium increase but 9 out of 10 Marmalade drivers have never had that problem. Marmalade, acting as a credit broker, will introduce you to Barclays Partner Finance, a lender.


How does it work?

How on earth do we take one of the most difficult and expensive aspects of being a young driver and make it, well, a lot easier? Just like this...

  • We saw that the high cost of insuring a young driver was having a knock on effect which meant people like you, and your parents, are buying older cars that don't have important modern safety features.
  • So, our unique insurance and car purchase scheme only offers you new cars that will help keep you and your passengers safer on the roads, lowering your risk and helping us offer you a fairer insurance deal.
  • The cars we offer all have a minimum Euro NCAP safety rating of 4 stars, are equipped with all the modern safety features and our insurance also comes with our clever black box technology to help you monitor and improve your driving.
  • Buying the car itself is really easy and flexible. We have plenty of finance options so you can choose the one that suits you and your budget best. Or, if you'd rather, you can choose to pay cash.
  • You do need to be 18 years old to apply for finance and it is subject to status. But if you get your parents to apply for you, or just guarantee your own application, their established credit history should make it easier for you to get accepted.
  • You can even have the agreement in your parent's name and make the payments yourself.