Has anyone used them - or anything similar - as opposed to a full year's policy?

Yes, used them from March to May last year for my wife while she was learning. I think I paid £225 for 3 months cover. Heard that it has changed now and is only for 17/18 year olds? had no issues with them, although I tink they refuse to cover some postcodes!. Another poster put collingwood insurance as an alternative, I have a family member who is currently using them as well and so far so good. As with all insurance, you only know how good they are when you have to make a claim!.

Thanks

Lee

I had an accident which the insurance company said that it was a no fault basis claim as I was stationary. I had to pay nothing. However, when I went to renew my insurance marmalade denied. Then I have to declare this when applying for new insurance. I have recently passed my test and cannot get insurance without paying £7000 due to the knock on effect. Some even refuse to insure me as I pose to much of a risk. Please learn from this as I am paying the price for it.

Even when getting the insurance ombudsman involved they will not take it off my record. I would have been better braking the law and having no insurance. This would have been cheaper and I would have been able to get some insurance. I am now left in the situation where I have passed and cannot afford the insurance (which costs more than the price of the car due to marmalade.)

Edited by Avant on 07/01/2015 at 23:41

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!