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An excess is way that an insurer restricts their liability to pay claims. It helps to keep premiums lower in that it deters small claims being made. In addition it reduces the overall claims cost to an insurer. This is usually stated as you will have to pay the first value of any claim. Additional excesses and be imposed to help try and correct a poor claims experience.This is a generic term for insurance polices that cover motor vehicles and this is `Compulsory` throughout the EU. In the UK the responsibility to insure comes from the Road Traffic Act. The Motor Vehicles (Compulsory Insurance) Regulations 2000 amended the requirement to insure and added `other public place` after the term `road. This means that if you have any self propelled vehicle, machine or plant it is our advice to ensure that you have at least `Third Party Only` insurance cover on these vehicles. This term is usually used in relation to `Motor Insurance` and is designed to refer to the widest cover available. Comprehensive suggests all embracing but as no two polices are the same you will need to consider what cover is actually provided in order to make an informed decision.This is usually a percentage reduction in the cost of an insurance policy which varies with the number of claims that you have made. Although this can apply to any policy it is normally related to `Motor Insurance`. Basically it is what it says. Don`t make a claim and your `Bonus` will stay the same or increase. In practical terms you should consider the premium cost to you in making a claim in addition to any `Excess` that you will have to pay when making a decision whether to make a claim or not. Some bonuses can be `Protected`This is another term for `No Claims Bonus`Insurance a car for a new driver is always hard and why should you insure the car so that the learner driver can use it all the time? Provisional Licence holders need to be accompanied while they are learning and so there mab be extended periodswhen they are not able to dirve. For a low cost Motor Insurance option for Provisional Licence Holders why not Insure yourself to drive someone elses car, without risking their valuable No Claims Bonus, and just pay for the times that you use the vehicle?
To provide a simple on-line solution for these circumstances we have entered into a professional partnership with Provisional Marmalade who provide a range of Learner Driver insurances temporary vehicle insurances from 1 to 3 months at a time.
Learning to drive is one of the most important events in a young person’s life and as soon as they turn 17 they are keen to get behind the wheel.
On the other hand, many parents are reluctant to allow their children to practice in their cars because of the cost of the insurance or the worry that their No Claims Bonus could be at risk.
Now there’s an answer – the Provisional Marmalade policy provides cover for learner drivers whilst practicing in a car owned by someone else.
For example, 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 insurance. It’s a simple way to get behind the wheel without paying large extra premiums for learner drivers on a standard motor policy.
And any claim arising from the policy does not affect the car owner’s policy or their No Claims Discount.
What is Covered
The Provisional Marmalade policy provides cover for learner drivers whilst undertaking driving tuition.
For example, 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 insurance. It's a simple way to get behind the wheel without paying large extra premiums for learner drivers on a standard motor policy.
And if you do have an accident whilst driving the car, the claim is made on your policy and not theirs - so their No Claims Discount is safe!
What type of cars can be covered by the Provisional Marmalade policy?
You can insure any car providing it is an insurance group 16 or less and has a current value of less than £20,000.
What type of cover is provided by 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's also cover for the driving supervisor if they have to take over the wheel whilst you are receiving tuition.
Can I learn to drive in more than one car?
The 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 seperate 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 this policy be the only insurance for the car?
No, this 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 the 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.
How long am I covered for?
You can choose the length of the policy you need, 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 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 a charge for the cover provided from the beginning of the contract until the policy is cancelled.
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 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.
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.
The links below takes you to our quotation facility managed by Provisional Marmalade, one of our carefully selected insurance partners. You can purchase insurance online 24/7.
We would like to make you aware that such a purchase is classed by the Financial Services Authority as a non-advised sale and you should only proceed to purchase cover on that basis.
We are always happy to discuss your insurance needs during normal office hours and so if you would like any help in making your purchasing decision please call us, for the cost of a local call, on 08450616553.
Provisional Marmalade Motor Insurance can be quoted and purchased online here. 
