Telephone: 01553 769088

Provisional Driver

Provisional Insurance from Provisional Marmalade
Provisional Marmalade’s learner driver insurance is car insurance specifically designed for learner driver and aims to provide them with the security needed to get the practice that is vital to become a licensed driver. Once a provisional licence holder has suitable learner driver insurance, it gives the student driver a chance to hone their driving skills with a friend or family member.

On average a learner driver will need 45 hours of driving lessons with a professional instructor and the Driving Standards Agency recommends further private practice of at least 20 hours. Private practice is invaluable to learner drivers who are new to driving and new to the rules of the road. However, many are hesitant to let a learner driver practise in a car belonging to a family member or friend because of the huge costs of adding a learner driver to their personal car insurance policy and the risk of the car owner losing their own no claims bonus.
This is the answer – the award winning Provisional Marmalades learner driver car insurance allows a learner driver to drive any family car with just a provisional licence for a cost of around £90 a month.
“Insurance for Learner Drivers is easy with Provisional Marmalade”

Taking out learner driver car insurance means that a learner driver can have many hours of driving practice at a low cost per day. The learner driver gets to practice with someone they know and feel relaxed with and they are safe in the knowledge that should they have an accident, the owner’s car insurance will not be affected and the owner’s No Claim Bonus will remain intact.
The provisional licence holder can make the most of the policy by practising with any driver that has held a full driving licence for 3 years and is over the age of 25. They don’t even need to be the car owner. Provided the Provisional Marmalade Insurance policy is in place and they have the owner’s permission, the learner driver has comprehensive insurance to drive.
Learner Driver Insurance from just £2.99 a Day!
Provisional Insurance costs as little as £90.95 per month! Get a Learner Driver Insurance quote now.

Provisional Insurance from Provisional Marmalade

Our provisional driver insurance is an award-winning car insurance specifically designed with the needs of provisional drivers in mind. Car insurance for provisional drivers is often overlooked. However, studies have shown that this has a great impact on the learning/teaching experience of new drivers, driving instructors and friends and families who would like to help someone who is learning to drive.
Provisional Marmalade’s provisional insurance ensures that provisional drivers who have obtained their provisional licence have the opportunity to access as much driving experience as they can by providing a car insurance cover for provisional drivers whilst practising in a car owned by someone else. This means that anyone with a full driving licence who might be interested in teaching a provisional driver can do so without adding the provisional driver to their insurance or worry that their no claims bonus could be at risk.

For example, you can use the provisional insurance policy from Provisional Marmalade to cover your parent’s or a friend’s car whilst you are learning 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. Any claim arising from the provisional insurance policy does not affect the car owner’s policy or their no claims discount.

Covered Learner Driver Insurance Benefits – Provisional Marmalade

The Provisional Marmalade learner driver insurance policy provides cover for learner drivers whilst undertaking driving tuition. Covered learner drivers can use the learner driver insurance policy to cover their parent’s 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 discount is safe!

What type of cars can a learner driver covered by Provisional Marmalade policy use?
Our provisional insurance cover lets a learner drive most cars providing they are in insurance group 42 or less and have a current value of less than £20,000.

Is learner driver Insurance a fully comprehensive cover?
The Provisional Marmalade insurance policy provides comprehensive cover for the vehicle by fire, theft or malicious damage and for accidents whilst you’re driving the car. The learner driver insurance also covers injury’s to you and damages that you cause to other people and their property whilst you’re driving.

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 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 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 Provisional Marmalade 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 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 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 administration charge.
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 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 full months of cover, subject to an administration charge of £10. There is no refund of any part months 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 out car insurance for young drivers from Young Marmalade.

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.

Why choose Provisional Marmalades Learner Insurance?

The learner driver has the comfort of driving with a parent
Enabling you to practice what you have learned with your driving instructor, safe in the knowledge that the Provisional insurance means the car is fully covered.

Your own comprehensive insurance
Provisional Marmalade provides insurance cover for learners that allow them to drive a family or friend’s 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.

Learner insurance protects your parent’s no claim bonus
If something does happen whilst you are driving and a claim is made against the learner driver, our claims handlers will deal with your claim and your parent’s insurance company will not be involved. Their no-claim status is not affected.

We let provisional license holders drive cars up to Group 42
Since we can cover most cars up to and including group 42 cars for example an Audi A4 2.0 or a BMW 530D the chances of us not being able to cover your parent’s car are minimal.

Learner Drivers can use cars up to a maximum market value of £20,000
Again most family cars have a current market value under £20,000 which covers most of the vehicles on the road.

Driving Standards Agency recommends practice
The Driving Standards Agency actively supports a balance of professional tuition and a minimum 22 hours of practice for learner drivers. This practice can be with friends or family and helps the learner gain experience before taking the practical driving test. This could be just driving to school with Mum and Mum taking the car back or going out at the weekend with Dad.

Who Are Provisional Marmalade?
Provisional Marmalade has been created by the team that developed the award winning Young Marmalade scheme – specialists in the young driver market.

Young Marmalade is a member of the Parliamentary Advisory Council for Transport Safety (PACTS) and received the rare accolade of being congratulated by the House of Commons in an Early Day Motion for our work with young driver safety.

A Parent’s Guide to Learner Driver Insurance:

How does the Provisional Marmalade policy work?
The policy is designed to sit alongside your existing motor policy and provides fully comprehensive cover whilst the learner driver is practicing driving in your car. Should any claim arises whilst your child is driving, the claim is made on provisional licence holders insurance policy and does not affect your own policy or your no claims discount.

What type of cars can be covered by the Provisional Marmalade policy?
Our learner driver insurance allows you to insure most cars providing they are in insurance group 42 or less and have a current market value of less than £20,000.

Am I the only person who can supervise the driving practice?
No. 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 supervise the learner driver’s practice. It need not be the person who owns the car.

Can I insure more than one learner driver to practice in my car?
The policy covers a named driver only, but if you have more than one child currently learning to drive you can take out a policy for each driver.

How much does a provisional driver insurance 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.

What is the excess if we need to make a claim?
If there is an accident, or the car has a fire or is stolen whilst your child is driving, you will need to pay the first £250 towards any claim.

Can we change our minds?
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 payment for the period of time you have been on cover and a £10 administration charge. 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. There is no refund of any part months left on the policy.

What happens when my child passes their driving test?
When you pass your test all cover under the Provisional license policy ceases immediately. If your child is going to continue driving your car you will need to add them as a named driver to your own policy. If your child passes their 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. There is no refund of any part months left on the policy. The next step is Young Marmalade – the combined car purchase and low cost insurance scheme for young drivers.

Who provides the insurance 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.

Address:

West Norfolk Insurance Service,
24 Tuesday Market Place,
Kings Lynn,
Norfolk,
PE30 1JJ

Tel 1: 01553 769088
Tel 2: 01553 774301
Email: westnorfolkinsurance@gmail.com

Contact Us:

If you have any queries or would like to request a callback, please feel free to contact us by clicking the button below:

Contact Us