My daughter used Marmalade, and we're not happy!
Until recently, she was practicing driving in her partner's car, but they broke up just four days before her test, so she took out a one-month Marmalade policy (because that's their minimum term) to practice in my car, and take the test in it. After four days, she took the test and passed. At that point, she was no longer a learner driver, so was no longer legally allowed to use the insurance. Consequently, we asked for a refund of the unused portion of the policy, which they refused, quoting their tems and conditions, which apparently say that no refund is given.
I doubt that such a statement in the T's & C's is legal, but I have also been unable to find them on the web site. I found the T's & C's governing use of the site, but they don't say anything about payment or non-payment of a surplus. Note that the web site says in a banner headline "From only £2.05 per day*" The asterisk refers to a statement " Price based on a 90 day policy at £184.08, achievable by 41% of marmalade customers" Well, that may be how the daily rate was calculated, but it still states a daily rate, which gives the impression that the unit period of insurance is a day, not a month or part thereof. One expects that when an insurance company makes a charge for insurance, they will be taking some risk in return, but in this case, no risk is even legally possible!
As somebody else noted, the quality of an insurance policy can only be gauged when a claim is made. Insurance companies exist to get money in, not to give it out, and it seems to me that this company is no exception. What they want is ... THE MONEY!!! Needless to say, if you have any other option than Marmalade, I would recommend that you take it.
Bunch of crooks!
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