Marmalade Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

This is the ultimate review to guide you through Marmalade car insurance.

You might already know that Marmalade offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Marmalade the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Marmalade car policy terms and conditions and given our own ratings based on different criteria.

4 Safe overall rating for Marmalade

Our ratingOur opinion
Customer service & satisfaction

Online registration process
Availability of live chat feature
High customer satisfaction rate on Trust Pilot
24/7 Claims Helpline

Cover provided

Specialist Insurance Company focused on Learner and Young Drivers
Wide range of covers such as Learner Driver Insurance, Black Box Insurance, Named Young Driver Insurance and Student Driver Insurance
Covers are all fully comprehensive
Lack of options of other levels of cover such as Third Party Only and Fire, Theft and Third Party

Value for money

Availability of No Claims Discount
Reasonable priced premiums
Potential to get insurance cover for 12 months free of charge
No renewal fee
High cancellation fee of £100

Financial strength for pay out

Marmalade Insurance works with leading insurance companies such as Ageas Insurance and Highway Insurance to provide competitive insurance covers for their customers. This plays a role in Marmalade’s high capability in paying out claims.

Technology

User friendly website
Live chat feature
Black Box Insurance
Online application process

Safe rating for Marmalade

Expert and customer reviews on Marmalade

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Marmalade's reputation.

Review organisationConsumer satisfaction rates for Marmalade
Defaqto expert rating for Marmalade defaqto 2 stars 1
TrustPilot4,6/5 based on more than 4600 opinions
Consumer satisfaction rates on reviews for Marmalade

To check if Marmalade is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

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Our review on Marmalade car insurance policy

Marmalade Insurance is a specialist insurance company focused on providing insurance for young and learner drivers.

They are underwritten by Ageas and Highway Insurance which are some of the leading insurers in the UK who are well experienced in providing insurance for the mentioned target market.

Unfortunately, they do not mention the availability of optional extra covers on their website so we would advise you to enquire about that before signing up with them. Otherwise, due the high customer satisfaction rate on Trust Pilot and the covers they offer, we would highly recommend that you consider them when shopping for car insurance.

What does Marmalade car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Marmalade?

Car insurance policyAvailable at MarmaladeCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
Comprehensive
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Marmalade

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Marmalade explained in details

Let's find out what does Marmalade covers in its car insurance policy.

Breakdown cover at Marmalade

Details not stated.

Keycare cover at Marmalade

Details not stated.

Windscreen cover at Marmalade

  • Windscreen Cover is available as a standard for the Black Box Insurance Policy only
  • It covers windscreen and windows only
  • Claims on Windscreen Cover will not affect your NCD.

Motor legal protection at Marmalade

Details not stated.

Personal policy injury available at Marmalade

  • Personal Injury cover is available as a standard in the comprehensive level policy only.
  • The cover ranges from £2500 to £5000 (depending on the type of insurance policy) if you or your spouse is injured, dead or lost a limb above the wrist or ankle, or total sight in one or both eyes due to a car accident.

Coverage abroad at Marmalade

Coverage for traveling abroad is only available for Black Box Insurance drivers. It is a minimum cover of up to 90 days travel in any EU countries and Andorra, Switzerland, Liechtenstein, Iceland and Norway.

No-Claim Bonus (NCB) at Marmalade

Your NCB will keep increasing every year provided you don’t get yourself involved in any incident that may require you to file for a claim or have a claim filed against you. NCD protection is available at an extra fee.

If the incident caused was not your fault and Marmalade Insurance was able to recover all costs from the responsible party, your NCB will not be affected. However, if they’re not able to recover the costs of the incident, your NCB will be affected.

Claims on the following will not affect your NCB:

  • Windscreen cover
  • Medical emergency cover
  • Incidents caused by an uninsured driver.

At Marmalade, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year): 2 claim in 5 years.

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

Marmalade car insurance terms and conditions

How much does Marmalade car insurance cost?

You'll find below indicative car insurance quotes at Marmalade:

Drivers'ageMonthly premium
18 years old£102,16
40 years old £42,13
60 years old£31,06
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Marmalade insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Marmalade?

In addition to No Claims Discount, there is potential to receive discounts on your premiums provided that you drive safely.

Discount typesComment
Discounts- Discount on premium when renewing your policy depends on your telematics reports.
- 5% discount on their Black Box Insurance if you had held their Learner Driver Insurance Policy.
Discounts and cashbacks available at Marmalade

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Marmalade car insurance policy summarized

Guarantees

At Marmalade
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keysExcess- £250 - £750
Limit- £500 - £1000
Personal belongings£100
Audio equipment

Excess- £250 - £750
Limit- £1000

Medical expenses

£250

Liability limit for property damage£20,000,000
Legal expenseNot Stated
Courtesy car benefit

As standard

Courtesy car cover

Duration of repair of your car.

Coverage abroad

90 days

Guarantees at Marmalade

Excess

At Marmalade
Fire excessExcess- £250 - £750
Limit- £100 for personal belongings, £1000 for entertainment equipment
Theft excessExcess- £250 - £750
Limit- £100 for personal belongings, £1000 for entertainment equipment
Accidental damage excessNot stated
Windscreen replacement excessExcess- £250 - £750
Limit- Not stated
Young driver excess

Not Stated

Excess at Marmalade

Admin fees

At Marmalade
Interest charged by payment installments

Not Stated

Renewal fees

£0

Cancellation fees

Cancellation fees outside cooling off period : £100

Modification fees

Mid-Term Adjustment fee: £15 plus Insurance Premium Tax

Admin fees at Marmalade

Other car insurance policies available at Marmalade

Marmalade black-box insurance

Marmalde Insurance offers Black Box Insurance that covers drivers aged 17 to 30. The company does not impose any mileage restrictions or curfews on their customers.

The black box uses telematics to analyse driving habits such as speed, braking, cornering and acceleration and creates a report which determines the price of the premium you’ll be charged during renewals. The better your driving score is, the lower prices you’ll get on your premium.

Marmalade learner driver car insurance

Marmalade offers Learner Driver cover for learner drivers between the age of 17 and 34.

They offer Short Term Learner Driver Cover as well as Annual Learner Driver Covers. The Learner Driver Cover is available across 5 levels of options: 30 days, 60 days, 180 days, and 1 year with the option to renew for a week or two at a time.

The cover poses no threat to the car owner’s No Claims Discount. It is meant to be a short term cover that is to be used alongside the car’s main insurance cover. It covers the following:

  • Legal liability
  • Personal Injury of up to £2,500
  • Medical expenses of up to £250
  • Personal belongings up to £100.

Marmalade business car insurance

Business Use Cover is included for social and domestic travel including commuting to and from work. For your own peace of mind, we would advise you to refer to your Certificate of Motor Insurance to ensure that this is included.

How to contact Marmalade auto insurance?

Marmalade phone numbers 

You will find all important phone numbers to contact Marmalade car insurance:

Contact numberOpening hours

Customer Service

0333 358 3441

Monday to Thursday: 9am to 6:30pm
Friday: 9am to 5:30pm
Saturday: 9am to 3pm

Windscreen

0800 169 9499

Not Stated

Claims (Young Driver Insurance)

0333 358 0258

Available 24/7

Claims (Black Box)

0800 681 6372

Available 24/7

Claims (Student Driver Insurance)

0333 358 0258

Available 24/7

Contact numbers at Marmalade

Marmalade other contact details

You'll find below Marmalade main contact details:

Contact details of Marmalade
Email address

[email protected]

Customer account with Marmalade login

My account

Social mediaTwitter, Facebook, Instagram, LinkedIn
ChatbotNo
Contact details at Marmalade

You can also contact them by mail by writing to Marmalade car insurance:

Marmalade House
Alpha Business Centre
Mallard Road
Bretton, Peterborough
PE3 8AF

How to cancel your car insurance at Marmalade?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Marmalade as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Marmalade has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You would need to have various documents ready such as:

  • your policy number (right hand corner of your documents);
  • your bank details; and
  • your payment method in case there are cancellation fees.

Marmalade could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.