Marmalade's Car for Young Drivers - Is it worth it?

I have a Marmalade Car and like you, up until a week ago I was an Apprentice and to complete the quota of being just like you, I bought the ST-Line Fiesta. Bonus points for the fact they could only give cashback for my insurance too

It's risky, you're locked into a long credit agreement and if you lose your job, don't get offered a full-time role (as what ALMOST happened to me) or you crash the car, you are so screwed. I'm also probably going to have to buy the car at the end too, I can't abide by their mileage limit lol, I like my girlfriend too much.

The buying process was very easy, but the problem is you don't get a direct line to the dealer. My car is missing some features I feel like I should have been given as stock (courtesy lights for a bloody start) and this is largely because I couldn't tell the dealer what I want, Marmalade just get their discount, pay up, and have the car sent to you and that's that.

Also in fairness, you're better off not being insured by Marmalade, take the 1300 or whatever and put it towards a decent policy, even if it's like 2700 unboxed the 1300 takes the sting off it. Technically my insurance is 800 quid this year (but it's really like 2200, let me enjoy things).


Just understand the contract, what you're getting yourself into, include the fact you're slightly overpaying for a car as well as the fact that whilst cars don't depreciate in value like they used to, you'll probably stand to lose £5000 by the time your contracts up (which is usually covered by the balloon payment) and if you don't buy the car at the end at all, you've chucked like 10k lol, so wanting to keep the car in the long-run is an obvious must.

Any other questions let me know as I've been through the whole process.

Thanks for that, really helped clear some things up Cool to see we have a similar taste in car :P I have heard of some bad things about Marmalade's insurance so it's a plus they're not insuring me lol. The place I'm an apprentice at now are happy with the work I'm doing so getting a full-time position there is likely IF I don't fudge anything up XD, my apprenticeship ends in December. The only real questions I have is how long did it take for you to get your car and with the finance application, how involved is it getting approved?

If you are 17 years old you will not be able to do this, I tried and could not find a way around it.

Incorrect, as per the homepage the car/insurance deals are available from the age of 17, however a parent or a legal guardian will have to put the finance into their name as credit agreements are not legally binding under the age of 18. The insurance however, will have to be paid in one hit as that has to be in the driver's name and you won't be able to get credit for monthly installments under the age of 18.

Do you know if you can get the finance out in parent's name but I make the payments?

Do you know if you can get the finance out in parent's name but I make the payments?

What Tom said. Your parents are financially responsible for the agreement, but they'd expect you to pay them for it I imagine. I imagine Marmalade would still make you the registered keeper though for insurance purposes.

You'd have to give your parents the money, but do bear in mind that taking it out in their name will affect their credit.