Benefits For Temporary Leaner Driver Car Insurance
- Comfort of driving with a parent next to
- Save money !!
- It protects your parents No Claims
- We insure cars up to a Group 32.
- Cars up to a value of £20,000 can be
- Just a £250 excess in event of an
- Prices start at £85 for 1 months cover,
but come down to £70 per month if you take out a 3 month policy.
How Does It Work?
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
policy. Their policy stays the same and all you do is take out
this policy to insure yourself whilst driving their car. The
policy gives you Comprehensive cover, so will pay out for any damage
caused to the car if involved in an accident, catches fire or is stolen.
Frequently Asked Questions.
What Type Of Cars Can Be Covered By The 'Provisional Marmalade' Policy?
You can insure any car providing it is an insurance group 32 or less and
has a current value of less than £20,000.
What Type Of Cover Is Provided Under 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 is also cover for
driving supervisor if they have to take over the driving whilst you are
Can I Learn To Drive In More
Than One Car?
The policy only covers you driving in the named vehicle, but if you want
to learn in more than one vehicle you can always take out a separate
policy for each car you intend to drive.
Who Can Supervise Me Whilst
I'm Learning To Drive?
Any driver who is over the age of 25, who currently holds a valid Full
UK driving licence, and has done for at least 3 years, can accompany
you. It need not be the person who owns the car.
Can This Policy Be The Only
Insurance For The Car?
No, the policy is designed to cover a car that belongs to someone else
whilst you are driving it, so the car must remain insured by the main
owner for other risks.
How Much Does The Policy
Costs An How Long Am I Covered For?
The cost of the Comprehensive cover depends on the length of policy you
choose and where you live, the length of the policy ranges from one
month up to three months and can work out from as little as £2.33 a day.
What Is The Excess If I Need
To Make A Claim?
An excess is the amount you pay towards any damage caused in an
accident, or if the car is stolen of catches fire whilst you are driving
it. You will need to pay the first £250 towards any claim.
Can I Change The Car I Am
Yes, you can the 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 Car?
No, the policy only covers the named learner driver in the named car.
What Happens If I Pass My
When you pass your test all cover under policy ceases immediately.
If you then require cover on a car now you have passed then you would then need to be added
to the insurance policy of the car you are driving or take out a new
policy for yourself if it's your car.
Provides The Cover?
The policy is underwritten by either Chaucer Insurance or Allianz
Chaucer Insurance is a
specialist motor insurer at Lloyds focusing on private car, motorcycle
and light commercial vehicle insurance.
Allianz are one of the largest motor insurers in the UK.
What Do I Do If I Have To
Make A Claim?
If you are an existing customer and you need to report an accident or
damage to the car, please phone the underwriter, Chaucer Insurance on
0800 0722050. Call even if the policy doesn't cover the damage to the
The insurers will then sort the claim with as little paperwork as is
possible and start the repair process straight away.
Please make sure you have
any policy details to hand when you contact them.
Why Choose Us?
Comfort Of Driving With A Parent
Enabling you to practise what you have learned with your driving
Your Own Comprehensive Insurance
Provisional Marmalade provides insurance cover to allow you to drive a
family or friends car. It is a comprehensive insurance policy that
covers you rather than the car owner against all of the normal
third party and comprehensive risks as a result of a collision.
Protect Your Parents No Claims Bonus
If something does happen whilst you are driving and a claim is made
against you, our claims handler will deal with your claim and your
parent's insurance company will not be involved. Their no-claim status
is not affected.
Cars Insured Up To Group 32
Since cars can be covered up to Group 32, the chances of the company not
being able to cover your parents car are minimal. e.g. Audi A4 2.0 or a
BMW 530 Diesel.
Maximum Market Value Of The Car Is £20,000
Again most family cars have a current market value less than £20,000
which covers most of the vehicles on the road in the UK.
Driving Standards Agency Recommends Practice
The Driving Standards Agency actively supports a balance of professional
tuition and a minimum 22 hours of practice with friends or family before
taking the practical driving test. This could be just driving to school
with Mum, with Mum taking the car back after or maybe going out at the
weekend with Dad.
For an instant quote and cover
whilst you are learning just click below
Short Term Car Insurance For Learner Drivers