Which learners’ insurance?
Collingwood vs. Provisional Marmalade
This quick comparison is based on Key Facts and policy documents available on Collingwood Learners and Provisional Marmalade web sites on 10th May 2010.
You should also always check the facts and the exact wording of the policy document to ensure that it is suitable for you.
| Collingwood Learners | Provisional Marmalade | |
| Type of car covered | Any Car, group 15 or less and under £20,000 in value. | Any car providing it is in insurance group 16 or less and has a current market value of less than £20,000. |
| Supervising driver | UK/EU licence holder who is over 21 years of age and has held such a licence for a minimum of three years | Any driver who is over 25, who currently holds a current valid full UK driving licence, and has done for at least three years, can supervise |
| Cover | Comprehensive. This covers damage to your car by accident, fire, theft & vandalism. All policies provide cover for any injury & damage you cause to other people and/or their property. | The policy provides comprehensive cover for the vehicle by fire, theft or malicious damage and for accidents whilst you’re driving the car. Cover is also provided whilst you’re driving for injury to you and damage that you cause to other people and their property. There’s also cover for the driving supervisor if they have to take over the wheel whilst you are receiving tuition. |
| Legal liability for damage to other people’s property | £5,000,000 | £20,000,000 |
| New vehicle cover | The insured vehicle will be replaced with a new one of same make/model if less than one year old, registered keeper first and only owner, cost of repairs more than 60% of mfr UK list price, replacement is available in the UK | The insured vehicle will be replaced with a new one of same make/model if less than one year old, registered keeper first and only owner, cost of repairs more than 60% of mfr UK list price, replacement is available in the UK |
| Medical expenses | Up to £250 per person | Up to £2,500 |
| Excess | £350 | £250 |
| Windscreen repair/replacement | NO | NO |
| Courtesy car | Subject to availability whilst for duration of authorised repairs. | Subject to availability whilst for duration of authorised repairs. |
| Cost | From £26.50 per week | From £2.99 a day |
| Minimum period | Initial 28 day period, extended 7, 24 or 84 day periods | Inital one month’s insurance |
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