Marmalade learner driver insurance

Proudly partnered with Marmalade

What does car insurance for learner drivers cover?

When learning to drive for the first time, you’ll probably want to get in as many hours of driving practice as possible. But it can be expensive to get added as a named driver to a parent’s policy - and they may even be reluctant to add you if they think it could affect their No Claims Bonus! That’s why Marmalade’s learner driver policy includes the following:

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No risk to the car owners’ No Claims Bonus (NCB)

We’ve made it easier for you to convince your friend or parents to let you learn to drive in their car by making sure their NCB will not be affected if you need to make a claim.

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Exclusive cover for provisional drivers

Marmalade’s policies are designed exclusively for drivers aged between 17 and 34 with a provisional licence – although cover is provided for passengers and their belongings while you’re driving.

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Flexible lengths of cover

Not sure how long you’ll need to practice driving? Choose from Marmalade’s five flexible lengths of cover, from 30 days up to one year.

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No set up fees

With Marmalade you can get your learner driver cover up and running straight away for the length of time you need it.

Provisional insurance FAQs

If you’ve never taken out car insurance before, it can be difficult to know where to start. We’ve answered some frequently asked questions to help you make sure you’ve got the right cover.

What is learner driver insurance?
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Learner driver insurance (also known as ‘provisional insurance’) is flexible, short term cover that allows provisional drivers to get insured on someone else’s car for the short period of time before they pass their test. This cover should be taken out in addition to the car insurance already held by the car owner, as learner driver insurance will only provide protection when the provisional driver is behind the wheel. 

Do I need learner driver insurance?
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All drivers learn at different speeds, and professional lessons can sometimes get expensive and time-consuming. That’s why a lot provisional drivers choose to get covered on their parents’ or guardians’ car – to fit in that extra bit of driving time before their test.

However, it can also be expensive to get added as a named driver to your parents’ policy, and they may even be concerned about losing their No Claims Bonus should you have an accident in their car.

If you’re unsure how long you’ll need cover for, Marmalade’s learner driver insurance provides five flexible cover lengths from 30 days to one year, so you only pay for the cover you need. There’s also no risk to the car owners’ No Claims Bonus should you have an accident, so it might even make it easier to convince your parents to let you borrow their car!

What cars am I insured to drive?
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You will only be covered to drive the car specified in your policy documents. If you wish to practice in any other cars, you will need to take out a separate learner driver policy for each individual car you wish to drive.

Can I get learner driver insurance for my own car?

If you own a car, you will be unable to take out learner driver insurance to cover this vehicle as this policy can only be taken out in conjunction with an existing motor insurance policy that is held by the car owner.

How will this policy affect my parents’ car insurance?
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Your parents’ may be concerned about ‘dual insurance’ with their existing car insurance policy. ‘Dual insurance’ is where the same item or risk has been insured twice under two (or more) separate policies.

This doesn’t apply to Marmalade’s learner driver insurance, and the car owners’ insurance will be unaffected. This is because the policy only provides cover for the learner driver as a temporary risk while they’re driving - the car owner will not be insured to drive under this policy, therefore they will still need their own car insurance policy in place.

Who needs to supervise me when I drive?
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You must be supervised by a driver over the age of 25 who has held a full UK driving licence for over three years, although this does not need to be the car owner.

Can I drive on the motorway?
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Learner drivers have been able to drive on the motorway in lessons since June 2018 - however they must be with a qualified driving instructor with dual controls in order to do so. Therefore this policy does not provide cover for motorway driving for provisional drivers. 

Will I be covered to take my driving test with this insurance?
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Yes, you will be covered to take your driving test in the car covered by this policy. However, you will need to ensure you meet the following government requirements before taking the test in the insured car:

  • The car must be taxed
  • The car must be insured for a driving test (take your learner driver insurance policy documents with you)
  • The car must be roadworthy and have a current MOT (over 3 years old)
  • There can’t be any warning lights showing
  • You must fix L plates to the car for the test and have an extras interior rear-view mirror for the examiner.

For an exhaustive and up-to-date list, please visit the government website.


What else does learner driver insurance cover?
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  • Legal liability for damage to other people’s property up to £20,000,000
  • Legal liability for death or injury to any other person, including passengers
  • Damage to the vehicle
  • Up to £250 medical expenses
  • Up to £2,500 personal accident benefits
  • Up to £100 personal belongings
I’ve passed my driving test – what next?
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Once you’ve passed your driving test you will no longer be covered by your learner driver insurance – so you’ll need to arrange for someone else to drive you home from the test centre.

Once you move from a provisional licence to a full licence, you will then need to make a decision about which is the best car insurance for you. Endsleigh can provide the following covers for young or new drivers:

Student car insurance – including optional RAC breakdown cover at discounted student prices

Black box car insurance – earn regular discounts of your insurance price, just for driving well

Temporary student driver insurance – short term cover for students during uni holidays, from 7 to 28 days

Young driver car insurance – learner drivers can immediately start earning No Claims Bonus in their own name

Find out more about Endsleigh’s car insurance.

Why Endsleigh for learner driver insurance?

As the UK’s No. 1 student insurance provider and the only one recommended by NUS, we understand the needs of students and work with specialist insurers to find the right cover for our customers. That’s why we’ve partnered with Marmalade, because they’re dedicated to getting you from A to B by offering innovative insurance products exclusively for young drivers.

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