Provision Marmalade spreads

Provisional Marmalade is offering to insure teenage learner drivers for as little as £91 a month in a policy that goes on sale at Halfords this week, the Guardian reports.

Provisional Marmalade offers the chance to buy comprehensive insurance by the month. The insurance is bought by, and is in the name of, the provisional driver. Those taking out a policy have to give the registration number of the vehicle in which they will be practising. The car has to be in insurance group 16 or below, and be worth less than £20,000.

The supervising driver must be over 25 and have held a full UK driving licence for at least three years. They don't need to be the person who owns the car, which has to be insured in the normal way by its owner.

Monthly payments

Customers can buy the policy for as little as one month, to a maximum of three months, and renew as many times as you like. Policies cost between £90.95 and £99.50 per month depending on postcode.

"The cover is aimed at those who want to practise in their parents' car in the run up to taking their test, but have so far been put off by the cost," says Provisional Marmalade's founder Nick Moger. "The risk of having a crash while you are accompanied is not that great, which is why we have been able to bring down the cost to something that is affordable."