Intelligent Marmalade

Young Marmalade Ethos explained

As we all know arranging insurance for young / new drivers is a challenge, even more so if the driver is male aged 17 or 18 years old.

Young Marmalade believes it is important to keep young and inexperienced drivers as safe as possible. That is why we only sell cars with a minimum EuroNCAP safety rating of 4 stars that are equipped with modern safety features and embrace technology and training to give the young driver the best deal. Our stance for newer cars has been recognised with safety awards and supported by many organisations such as the Institute of Advanced Motorists.

We also encourage learner drivers to have as much practice as possible prior to passing their test, in addition to professional driving lessons. The Driving Standards Agency tells us that the most recent research shows that learners who have a combination of both professional instruction and private practice do better at the practical driving test, and this shows that, on average, those who pass have had 47 hours of professional instruction and 20 hours of private practice.

Intelligent Marmalade

This is the latest scheme from Young Marmalade and incorporates technology to help young drivers stay safe on the roads. More importantly it allows young drivers to review how they are driving and adjust their behaviour accordingly.

A motion sensor will pick up key data such as cornering, acceleration, braking and speed and using sophisticated technology simply displays this data to the driver and a parent in an easy to read format.

Initial research shows that most drivers will respond to what is generally regarded as poor driving, but if they don’t, the insurers will intervene. The insurance underwriters, who have made significant concessions to help keep the costs under control, have empowered our scheme administrators 3XD to charge additional premiums and even cancel the policy if the standard of driving is deemed to be unacceptable.

The insurance quotes displayed on the website are based on the Intelligent Marmalade scheme and whilst we have much of the country covered, there are some areas where we are unable to provide an immediate online quote – please contact us if this is the case.

Other drivers on the policy

One parent must be included on the insurance policy (subject to satisfactory driving history). This will not affect the premium charged.

The small print:

Your Quote will be based on the following acceptance criteria:

About You

You have been a permanent resident of the United Kingdom for at least 3 years.
You hold a full or provisional UK Driver's Licence.
You do not suffer from any illness or medical condition that is required to be notified to DVLA.
You have not had any motoring or non motoring convictions or have any prosecutions pending including any fixed penalties offences.
You have not been disqualified from driving.
You have not been involved in any at fault accidents in the last 3 years (an at fault accident/claim is one which would have resulted in the loss of no claims bonus)
You have never had any Insurance policy cancelled by an insurer.
You have never had special terms imposed on your Insurance policy by an insurer.

About Your Named Drivers

They are your parent.
They hold a full UK Driver’s Licence.
They do not suffer from any illness or medical condition that is required to be notified to DVLA.
They have been a permanent resident of the United Kingdom for at least 3 years.
They have not had any motoring or non motoring convictions (other than one minor driving conviction as per the list below) or have any prosecutions pending including fixed penalty offences.
They have not been disqualified from driving for any reason.
They have not been involved in any at fault accidents in the last 3 years (an at fault accident/claim in one which would have resulted in the loss of no claims bonus)
They have never had an Insurance policy cancelled by an insurer.
They have never had special terms imposed on their Insurance policy by an insurer.
The information you have provided about your named driver is to your knowledge true and complete.
You have their authority to use their information for the purpose of obtaining this quotation and or policy.

About Your Car

It has not been modified in anyway.
It will be used for Social Domestic & Pleasure purposes only including Commuting to and from your permanent place of work.
You will exceed no more than 10,000 miles per year.
It has been fitted with a Ingenium Dynamics device.

Important Note:

This policy is aimed at younger drivers who intend to drive in a safe manner.

You should be aware that we will use the data from the Ingenium Dynamics device which will be fitted to your car to score your journeys. If a journey falls into the red zone we will notify you and you can check out website to see where you can improve your driving. If you do drive badly, we will initially increase your premium to reflect this risk (initially by £250, then by £500), See full details of how the system works.

If this continues we will cancel the policy. You should note that it would be very difficult for a younger driver to find an alternative insurance company in this event.

Insurance Excess

The scheme has a standard default excess of £150 which applies to Accident Damage, Malicious Damage, Fire and Theft claims
Additional excess's apply to young and inexperienced drivers as follows:

£350 - driver aged under 21
£250 if driver aged 21 - 24
£150 if driver is 25 or over and inexperienced *

The above apply to all Accident Damage, Malicious Damage, Fire and Theft claims if the driver or last person in charge of the vehicle was one of the above.

*Inexperienced means a person who does not hold a full UK/ EU driving licence or has held a licence for less than 1 year.

Please note the Intelligent Marmalade insurance is only available as part of Young Marmalade package.