What We Cover
The Provisional Marmalade policy provides cover for learner drivers whilst undertaking driving tuition.
For example, you can use the Provisional Marmalade policy to cover your parent's or a friend's car whilst you learn to drive, without any risk to their insurance. It's a simple way to get behind the wheel without paying large extra premiums for learner drivers on a standard motor policy.
And if you do have an accident whilst driving the car, the claim is made on your policy and not theirs - so their no claims discount is safe!
What type of cars can be covered by the Provisional Marmalade policy?
You can insure any car providing it is an insurance group 16 or less and has a current value of less than £20,000.
What type of cover is provided by the policy?
The policy provides comprehensive cover for the vehicle by fire, theft or malicious damage and for accidents whilst you're driving the car. Cover is also provided whilst you're driving for injury to you and damage that you cause to other people and their property.
There's also cover for the driving supervisor if they have to take over the wheel whilst you are receiving tuition.
Can I learn to drive in more than one car?
The policy only covers you driving in the named vehicle.
However if you want to learn in more than one car you can always take out a seperate policy for each car you intend to drive.
Who can supervise me whilst I'm learning to drive?
Any driver who is over 25, who currently holds a current valid full UK driving licence, and has done for at least three years, can accompany you. It need not been the person who owns the car.
Can this policy be the only insurance for the car?
No, this policy is designed to cover a car that belongs to someone else whilst you are driving so the car must remain insured by the main owner for other risks.
How much does the policy cost?
The cost of cover depends on the length of policy you choose and where you live, you can get a personal quote for your cover here.
How long am I covered for?
You can choose the length of the policy you need, from one month up to three months.
What is the excess if I need to make a claim?
If you have an accident, or the car has a fire or is stolen whilst you are driving, you will need to pay the first £250 towards any claim.
Can I change the car I am insured for?
Yes, you can change the insured vehicle once during the term of cover but there is an administration charge of £10 for doing so.
Does the policy also cover other learner drivers driving the same car?
No, the policy only covers the named learner driver in the named vehicle.
Can I change my mind?
We hope you are happy with the cover this policy provides. However, you have the right to cancel it within 14 days of receiving the policy documents or the start of the policy, whichever is later, without giving any reasons. If that happens, we will refund the premium, first deducting a charge for the cover provided from the beginning of the contract until the policy is cancelled.
After this time, you can cancel the policy at any time and receive a refund for any full months of cover which are outstanding, less a £10 administration charge.
What happens if I pass my test?
When you pass your test all cover under the policy ceases immediately.
And if you pass you driving test sooner than you expect, you can have a refund on any unused full months of cover, subject to an administration charge of £10.
The next step is Young Marmalade - the combined car purchase and low cost insurance scheme for young drivers.
Who provides the cover?
The policy is underwritten by Chaucer Insurance. Chaucer Insurance is a specialist motor insurer at Lloyd's focusing on private car, motor cycle and light commercial motor insurance.
Chaucer Insurance is a trading name of an authorised Lloyd's syndicate managed by Chaucer Syndicates Limited, which is registered in England (No. 184915).
Registered Office: Plantation Place, 30 Fenchurch Street, London EC3M 3AD
