Learner Driver Cover Insurance Benefits


The BSM Marmalade Learner Insurance Learner Driver Insurance policy provides cover for learner drivers whilst undertaking driving tuition. Learner drivers covered by BSM Marmalade Learner Insurance can use the Learner Driver Insurance policy to cover their parents or friend's car whilst they learn to drive, without any risk to their insurance. It's a simple way to get behind the wheel confident that you are covered without paying large extra premiums for adding a learner driver to a standard car insurance policy.

And if you do have an accident whilst driving the car, the claim is made on the learner driver's insurance policy and not the car owners - so there No Claims Bonus is safe!


What type of cars can a learner driver covered by BSM Marmalade Learner Insurance policy use?

Our provisional insurance cover lets a learner drive most cars providing they are in insurance group 32 or less and have a current value of less than £30,000.


Is Learner Driver Insurance a fully comprehensive cover?

The BSM Marmalade Learner Insurance insurance policy provides comprehensive cover for the vehicle by fire, theft or malicious damage and for accidents whilst you're driving the car.

There's also cover for the driving supervisor if they have to take over the wheel in an emergency when you are receiving tuition.


Does provisional insurance cover let me drive in more than one car?

Our Learner Driver Insurance 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 separate 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 valid full UK driving licence and has had the licence at least three years can accompany you. It need not be the person who owns the car.


Can a learner driver policy be the only insurance cover for the car?

No, this Learner Driver Insurance 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 a BSM Marmalade Learner Insurance Learner Driver Insurance policy cover cost?

The cost of Learner Driver Insurance cover depends on the length of policy you choose and where you live. You can get a personal provisional insurance quote online now.


For how long am I covered by my learner drivers insurance?

You can choose the length of the policy you need, our Learner Driver Insurance policies can last from 30 days up to 90 days.


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 a cancellation 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 our Learner Driver Insurance 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, deducting payment for the period of time you have been on cover and a £10 cancellation charge.

After this time, you can cancel the policy at any time and receive a refund for any full period of 30 days cover which are outstanding, less a £10 cancellation charge.


What happens if I pass my test?

When you pass your test all cover under the Learner Driver Insurance policy ceases immediately. And if you pass you driving test sooner than you expect, you can have a refund on any unused period of 30 days cover, subject to a cancellation charge of £10. There is no refund of any part days left on the policy.

The next step is Young Marmalade - the combined car purchase and low cost insurance scheme for young drivers. Find out more about our car insurance for young drivers from Young Marmalade.


Who provides the cover?

The policy is underwritten by Zenith Marque Insurance Services Limited. Zenith Marque is a specialist motor insurer at Lloyd's focusing on private car, motor cycle and light commercial motor insurance.


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© 2018 Marmalade All Rights Reserved. Marmalade is a trading style of Young Marmalade Limited (registered in England under company number 04627884) and Provisional Marmalade Limited (Registered in England under company number 06779950). Registered office for both companies is Marmalade House, Alpha Business Centre, Mallard Road, Bretton, Peterborough, PE3 8AF. Young Marmalade Limited is an Appointed Representative of Provisional Marmalade Limited, which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 542063. You can check this on the Financial Services Register by visiting fca.org

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