The Student Room Group

2 Insurance Policies on One Driver? Marmalade/Veygo

I currently have the Marmalade pay as you go 500 miles insurance policy but I was wondering if it's okay to get a second, temporary insurance policy as well on the same driver same car.

In the summer I'm driving 180 miles to and from (360 miles total) whilst on holiday and I've been quoted about £20 total for the journey and back on Veygo, much cheaper than the miles would cost me with Marmalade.

I can't find anything on Marmalade's T&Cs that prohibits this but I was wondering if I had missed something or if others have been in the same situation?

Thanks :smile:
Original post by elliet23
I currently have the Marmalade pay as you go 500 miles insurance policy but I was wondering if it's okay to get a second, temporary insurance policy as well on the same driver same car.
In the summer I'm driving 180 miles to and from (360 miles total) whilst on holiday and I've been quoted about £20 total for the journey and back on Veygo, much cheaper than the miles would cost me with Marmalade.
I can't find anything on Marmalade's T&Cs that prohibits this but I was wondering if I had missed something or if others have been in the same situation?
Thanks :smile:

Good morning young lady,
It is not illegal [as far as I know] to have coverage of any risk [here your car's "well-being"] duplicated.
However, and heaven forbid, but if you need to make a claim from one of two insurance companies that are covering you [and I suppose only if they find out], then they will pay you only the portion or ratio that that insurance co is indemnified for i.e. you may not get the full value of any damage to your car, AND VERY IMPORTANTLY, any damage to any third party's car.

So, in summary, I would be inclined to not duplicate insurance cover.

Enjoy your holiday!
M [Member iof the Institute of Advanced Motorists]
(edited 1 month ago)
Reply 2
Original post by macpatgh-Sheldon
Good morning young lady,
It is not illegal [as far as I know] to have coverage of any risk [here your car's "well-being"] duplicated.
However, and heaven forbid, but if you need to make a claim from one of two insurance companies that are covering you [and I suppose only if they find out], then they will pay you only the portion or ratio that that insurance co is indemnified for i.e. you may not get the full value of any damage to your car, AND VERY IMPORTANTLY, any damage to any third party's car.
So, in summary, I would be inclined to not duplicate insurance cover.
Enjoy your holiday!
M [Member iof the Institute of Advanced Motorists]


Thank you! The marmalade insurance I'm on will only cover me in accidents where I have my Bluetooth connected to the black box on my car whilst the temporary insurance with Veygo is apparently full compensation. So hypothetically if I were driving with Veygo, Bluetooth off, would I be able to make the argument I was only insured by Veygo and not Marmalade if any accident occurs?

I intend on calling Marmalade anyway just to clarify because I would hate for anything to go wrong. But that's helpful to better know what situation I'm dealing with :smile: thanks!
Good morning again! I note that you were burning the midnight oil last night - I suppose exams are just around the corner!!

Yes, if the black box shows [i.e. can prove] that you were not connected to it, then you would be ok because any type of insurance [e.g. car ins, life ins, travel ins, home ins] covers a specific person at a specific time under specific conditions.

Having said that, my grandad [a doctor, too] always says "Prevention isd better than cure!", so drive carefully, don't tailgate anyone [fundamental rule of advanced driving], and before you set off check that your brakes, tyres, indicators and lights are all working properly, clean your windscreens and windows thoroughly [visibility is everything!], ask dad to show you how to check oil level and coolant; in short, minimize the probability of any adverse event tho you can never make it zero!

Are you driving e.g. a Renault Clio, Toyota Yaris, Nissan Micra, etc.
OR:
Are you flying a Cessna, Boeing 747, etc?
RE: why "black box"? I have not gained my pilot's license yet, so if you have, THEN SUPER WELL DONE!!! 🥇[jk - in your youngsters' lingo!]

Have a lovely break [dw all will be fine!]
M
Reply 4
Original post by macpatgh-Sheldon
Good morning again! I note that you were burning the midnight oil last night - I suppose exams are just around the corner!!
Yes, if the black box shows [i.e. can prove] that you were not connected to it, then you would be ok because any type of insurance [e.g. car ins, life ins, travel ins, home ins] covers a specific person at a specific time under specific conditions.
Having said that, my grandad [a doctor, too] always says "Prevention isd better than cure!", so drive carefully, don't tailgate anyone [fundamental rule of advanced driving], and before you set off check that your brakes, tyres, indicators and lights are all working properly, clean your windscreens and windows thoroughly [visibility is everything!], ask dad to show you how to check oil level and coolant; in short, minimize the probability of any adverse event tho you can never make it zero!
Are you driving e.g. a Renault Clio, Toyota Yaris, Nissan Micra, etc.
OR:
Are you flying a Cessna, Boeing 747, etc?
RE: why "black box"? I have not gained my pilot's license yet, so if you have, THEN SUPER WELL DONE!!! 🥇[jk - in your youngsters' lingo!]
Have a lovely break [dw all will be fine!]
M


That's good to know, thank you :smile:

Black box was much cheaper option for us as I drive my dads Volvo XC60 (not quite a Nissan Micra!). I feel good about checking everything and I've been helping him service the car so feel better prepared for the long journey :smile: passed my test in September (no faults - yay) and now I'm feeling more confident with everything else and being on strange roads.

I just have to survive exam season first!
Original post by elliet23
I currently have the Marmalade pay as you go 500 miles insurance policy but I was wondering if it's okay to get a second, temporary insurance policy as well on the same driver same car.
In the summer I'm driving 180 miles to and from (360 miles total) whilst on holiday and I've been quoted about £20 total for the journey and back on Veygo, much cheaper than the miles would cost me with Marmalade.
I can't find anything on Marmalade's T&Cs that prohibits this but I was wondering if I had missed something or if others have been in the same situation?
Thanks :smile:

does veygo do pay by mile? to my knowledge they dont correct me if im wrong, also how old are you if you dont mind me asking
Reply 6
Original post by ahamdkan1567
does veygo do pay by mile? to my knowledge they dont correct me if im wrong, also how old are you if you dont mind me asking


Not sure if they do pay by mile but they do offer time-limited insurance eg. 4 hours, 30 days, which seems really affordable. They also look like they have a rolling policy thing where you can get a month and keep adding if you want? Not sure because I didn't look into it much but seems like a good company (4.7 on Trustpilot and other good reviews).

I'm 18 and my friend (also 18) and I got quoted very similarly for 7 days despite driving very different cars (he has a Fiat 500). I think it was maybe £60 for a week? Which is good considering how many miles we will be doing.

If you're looking into longer term insurance, I think Marmalade is a pretty good company and I haven't had any problems with my black box so far :smile:
Original post by elliet23
Not sure if they do pay by mile but they do offer time-limited insurance eg. 4 hours, 30 days, which seems really affordable. They also look like they have a rolling policy thing where you can get a month and keep adding if you want? Not sure because I didn't look into it much but seems like a good company (4.7 on Trustpilot and other good reviews).
I'm 18 and my friend (also 18) and I got quoted very similarly for 7 days despite driving very different cars (he has a Fiat 500). I think it was maybe £60 for a week? Which is good considering how many miles we will be doing.
If you're looking into longer term insurance, I think Marmalade is a pretty good company and I haven't had any problems with my black box so far :smile:

Yeag Veygo is really good their policy is the cheapest about and they’re the only Ones that refuse to offer me temp insurance without a bb, marmalade are really overpriced, also if you don’t mind me asking you said it’s your dads car how do you manage to use a black box as well lol does your dad click in miles as well?
Reply 8
Original post by Ahmadkan158
Yeag Veygo is really good their policy is the cheapest about and they’re the only Ones that refuse to offer me temp insurance without a bb, marmalade are really overpriced, also if you don’t mind me asking you said it’s your dads car how do you manage to use a black box as well lol does your dad click in miles as well?


We wanted to avoid getting a black box but honestly it's been a good decision for us. I think it was £415 for 500 miles which is the best quote we could get as I live in a city and don't drive often.

I have the marmalade app but my dad doesn't as it's optional for additional drivers and he didn't want his driving monitored. The black box knows how many journeys the car has been on in total so that it can track the % of drives I do (has to be below 50% on my policy).

Generally it's alright, I drive a 2.4L engine and I've found the box can be unnecessarily harsh when it comes to accelerating. The other day I was pulling away from a busy roundabout from standstill so needed to be quick and it was marked as 'severe acceleration' (up 9.1mph in 2.1s) and I got a 4 star drive because of it which could increase the price of buying more miles.

One thing I like about the app is that if I forget to turn off my Bluetooth and my dad is driving, I can always easily reassign the drive so I'm a passenger.

Hope this helps!
Original post by elliet23
We wanted to avoid getting a black box but honestly it's been a good decision for us. I think it was £415 for 500 miles which is the best quote we could get as I live in a city and don't drive often.
I have the marmalade app but my dad doesn't as it's optional for additional drivers and he didn't want his driving monitored. The black box knows how many journeys the car has been on in total so that it can track the % of drives I do (has to be below 50% on my policy).
Generally it's alright, I drive a 2.4L engine and I've found the box can be unnecessarily harsh when it comes to accelerating. The other day I was pulling away from a busy roundabout from standstill so needed to be quick and it was marked as 'severe acceleration' (up 9.1mph in 2.1s) and I got a 4 star drive because of it which could increase the price of buying more miles.
One thing I like about the app is that if I forget to turn off my Bluetooth and my dad is driving, I can always easily reassign the drive so I'm a passenger.
Hope this helps!


Can’t you drive without your phone 🤨
Reply 10
Original post by Ahmadkan158
Can’t you drive without your phone 🤨


No, you need (I think) 20% phone battery and Bluetooth on to stay insured. That's how they track how many miles you're using and that you're the one driving. When I'm not driving (and I remember) I just turn off Bluetooth and it doesn't log any miles. I can't really imagine it being a problem because I take my phone everywhere and I have a charger in my car.
Original post by elliet23
No, you need (I think) 20% phone battery and Bluetooth on to stay insured. That's how they track how many miles you're using and that you're the one driving. When I'm not driving (and I remember) I just turn off Bluetooth and it doesn't log any miles. I can't really imagine it being a problem because I take my phone everywhere and I have a charger in my car.


How do they know your driving if you don’t have your phone
Reply 12
Original post by Ahmadkan158
How do they know your driving if you don’t have your phone


They don't. You need your phone to be insured. If you don't have your phone, you're not going to be insured by Marmalade
Original post by elliet23
They don't. You need your phone to be insured. If you don't have your phone, you're not going to be insured by Marmalade


Ah alright makes sense, yeh I prefer veygo, they’re the cheapest about and the only ones that actually insure me 😭, I drive a 2013 Nissan juke 1.6L monthly subscription is £160
Reply 14
Original post by Ahmadkan158
Ah alright makes sense, yeh I prefer veygo, they’re the cheapest about and the only ones that actually insure me 😭, I drive a 2013 Nissan juke 1.6L monthly subscription is £160


That seems like a pretty good price if you do high mileage, if you know you'll drive less than 1000 miles a year and you're the owner of your car, it may still be cheaper with marmalade (£800). Worth checking out if that applied to you :smile:

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