Marmalade Insurance 4+

Installed in my car so my daughter (recently passed test) can have her own insurance.
Cost wise at just over £100 a month, I’ll live with it as she’s gaining her own no claims.
Also like the fact that it scores your journey and shows you where you lose marks.
However, we regularly drive along A-road that is undergoing major roadworks. For 20 miles, the route of the road changes regularly as carriageways are laid or broken up. Roundabouts spring up or sharp corners are added.
The GPS regularly shows us as doing odd things for which we lose stars, for example going the wrong way around a roundabout at 50mph where a section new duel carriageway is now open and there isn’t actually a roundabout there anymore or suggesting we were speeding when it hasn’t factored a new flyover (flyover 50mph limit, old road below 40mph limit). Yesterday I apparently made a 90 degree turn too fast when in fact I went around broad, sweeping new roundabout that doesn’t have any other traffic entering or exiting.
It’s fortunately not affecting my daughter too much as she doesn’t drive this route often but it shows on my record and would be a problem for others being scored on it.
Basically, it works well about town and on established, wide roads. Less accurate on country roads where you need to brake or in roadworks.

Disregarding the Marmalade Policies, the app has fundamental flaws and safety concerns. Marmalade requires you to set the app to track your location always, first of all this should be a warning. I have evidence and noted that Marmalade records my day to day business such as travelling on the Underground, travelling between cities, but more concerning when one travels in fellow people's cars the entire trip is recorded even if the car does not have a black box. This is a security concern and a privacy concern. Additionally the app records when the phone is used, this is fundamentally flawed, when one passes one's phone to a fellow passenger to give navigation instruction's or make phone calls. Thirdly, the app rates your rate of deceleration when braking, however one has to remember the driver cannot always be at fault for this. Fellow motorists may cause risks, in which case it is safer for all road users that one decelerates at a given rate. Finally, the app does not allow one to break up a journey, so that travellers drive different stages of a journey. If one strops the car, switches the car off, and a fellow passenger drives the onward journey, the entire journey is recorded as being driven by a single user which is not the case and wrong. Additionally it would be useful if the Insurance provider with help enable the transition toward a more sustainable future by improving the ease of setting up insurance for electric vehicles.

Really good company and cheapest insurance you’ll find for young drivers, tag is mostly good and very lenient except from when it comes to harsh acceleration and harsh braking, mostly the acceleration as if you are sat stationary on a hill and then go to set off it’s hard to not accelerate to 7mph in 2 seconds and it gives you a bad mark, also with the braking if someone was to jump out on you and you have to brake harshly it will mark you which I think is unfair as you have no choice but to brake so you technically get the blame even though it was the other drivers fault, none the less don’t let this put you off as they are better then most insurance companies out there and you will get a cheap quote!