Review: Marmalade Car Insurance

Ronny Lavie By Ronny Lavie

Summary

Marmalade is a specialist car insurance company, focused on young drivers. Marmalade received the congratulation of the House of Commons in an Early Day Motion, for its work with young driver safety, which is a very rare achievement for a private company.

You can get a car insurance quote from Marmalade by following these links:

Marmalade also offers 12 months free insurance when you buy a new car through their Cars for Young Drivers scheme.

You can get a Cars for Young Drivers quote at the Marmalade website.

Overview of Marmalade car insurance cover

Marmalade's insurance policies are underwritten by both Allianz and Chaucer.

Marmalade insurance for learner drivers is a policy designed to cover a driver while they are still learning, up until they pass their test. It is not a stand-alone policy, in which it cannot cover you for a car you own yourself, but is meant to sit alongside the existing policy covering the car of the person who is supervising your driving (this can be anyone over the age of 25, who has held a UK driving license for 3 years or more).

That said, if any clam is made on this policy while the young driver is driving, it will not affect the no claims discount of the car’s owner. This policy is a fully comprehensive one, with an excess for claims fixed at £250.

Once you pass your test (congrats!), the learner driver cover expires and you must take out a new policy. The good news is you can claim a refund for any unused months of your marmalade provisional insurance.

You will then be able to take out the Marmalade insurance for young drivers. This is a telematics policy, meaning a black box will have to be fitted in the car to monitor the new driver’s driving skills, however, unlike many other policies of this kind, no curfew will be imposed. Still, your driving will be monitored closely and your premium will increase if your driving is consistently bad or irresponsible. For serious repeat offenders, the policy may even be cancelled. On the other hand, consistent good driving will earn you extra discounts and rewards.

Marmalade insurance for young drivers will only cover cars 9 years old or younger, with an engine size of up to 1.4 litres, as these are safer for new drivers to drive.

Another important feature of Marmalade insurance is their Cars for Young Drivers scheme – this scheme offer finance deals on brand new cars, with payment plans, low deposits and 12 months free young driver Marmalade insurance.

Marmalade is one of the providers in our guide to the eight best black box insurers.

How much does cover from Young Marmalade insurance cost?

As always, insurance premiums vary widely according to personal circumstances, such as your postcode and age. However, Marmalade insurance believe young and new drivers deserve fairer premiums and so their aim is to keep cost down. This is helped by their strict guidelines as to what type of cars they will insure and the use of telematics technology, closely monitoring their drivers’ skills.

While having your driving monitored may not sound like a great option, the fact that Marmalade don’t impose curfews, along with their finance options on new cars and their promise to try and keep premiums down, make them a serious contender in the young driver insurance market.

Get a tailored quote from Marmalade insurance on their website: click here for Provisional Marmalade and here for Young Marmalade.

Repayments for Marmalade's Cars for Young Drivers scheme starts at £175 per month.

What Marmalade insurance customers say

As Marmalade is a relatively new and specialised addition to the market, there aren’t many Marmalade car insurance reviews to be found on websites such as Fairer Finance and Which?. However, most opinions expressed on public forums appear to be favourable, particularly when discussing Marmalade insurance for learner drivers, with many parents and young drivers alike saying they have been happy with the company.

A Twitter search shows similar results:




What expert reviews say

Defaqto, an independent researcher of financial products, offers star ratings for car insurance policies. Their ratings are between 1-star (“a basic product, with a low level of features and benefits”) and 5-stars (“an excellent product with a comprehensive range of features and benefits”). Defaqto gave Young Marmalade New Driver insurance – the Marmalade insurance for young drivers policy – 3 stars, making it “a standard product providing an average level of features and benefits”.

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  • by Ronny Lavie