{"id":323459,"date":"2020-07-17T20:24:45","date_gmt":"2020-07-17T19:24:45","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=323459"},"modified":"2026-01-05T10:48:43","modified_gmt":"2026-01-05T10:48:43","slug":"marshmallow","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/car-insurance\/marshmallow","title":{"rendered":"Marshmallow car insurance review"},"content":{"rendered":"

This relative newcomer began as a specialist in comprehensive cover for foreign drivers in the UK, but it’s now also covering UK-born drivers. Here’s what you need to know about Marshmallow.<\/p>

Who is Marshmallow?<\/h3>

The insurtech firm Marshmallow started in 2017 and set out to insure “people that others don’t”. In this case, that meant comprehensive car insurance<\/a> for expats or immigrants \u2013 foreign drivers living in the UK who were looking to settle down but might not have had a UK credit history or a UK licence. <\/p>

Marshmallow can also cover UK-born drivers aged 21-75. It can cover some people with a provisional licence, as well as those with a full driving licence. <\/p>

Who underwrites Marshmallow policies?<\/h3>

Policies are underwritten by Marshmallow Insurance Ltd, which is based in Gibraltar and authorised by the Gibraltar Financial Services Commission, not the UK’s Financial Conduct Authority (FCA), though it is on the FCA’s Financial Services Register and the FCA says customers may be able to use the Financial Ombudsman in the event of a dispute. Marshmallow’s site also says that if you have a complaint, you can use the Financial Ombudsman Service. Marshmallow Financial Services – which arranges the policies – is authorised and regulated by the FCA.<\/p>

What are Marshmallow’s cover options?<\/h3>

Marshmallow only offers comprehensive car insurance cover. It currently offers 2 versions of this on its site: Original and Plus. Marshmallow Original doesn’t cover you for driving other people’s cars, and doesn’t include onward travel after an accident. <\/p>

Marshmallow Original includes the following features:<\/p>

\n \n
Damage to your car<\/th>\u2713<\/td><\/tr>
Damaged windscreen and window glass<\/th>\u2713<\/td><\/tr>
Theft and attempted theft<\/th>\u2713<\/td><\/tr>
Damage by fire<\/th>\u2713<\/td><\/tr>
Personal accident<\/th>\u2713<\/td><\/tr>
Medical expenses<\/th>\u2713<\/td><\/tr>
Personal belongings<\/th>\u2713<\/td><\/tr>
Liabilities to third parties<\/th>\u2713<\/td><\/tr>
No-claims discount<\/th>\u2713<\/td><\/tr>
No-claims discount protection<\/th>Extra fee<\/td><\/tr>
Replacement locks<\/th>\u2713<\/td><\/tr>
Permanently fitted audio equipment<\/th>\u2713<\/td><\/tr>\n <\/tbody>\n <\/table><\/div>

What is my excess?<\/h3>

An excess<\/a> is the amount of money you contribute when you make a claim<\/a>.<\/p>

If you make a claim on your Marshmallow car insurance, you will typically have to pay an excess of \u00a3250 for accidents, theft or damage on your car. Some drivers – young drivers, for example, might have a much higher excess, though. The excess for windscreen replacement claims is \u00a3115, and \u00a325 for windscreen repair claims.<\/p>

How do I make a claim?<\/h3>

Marshmallow doesn’t have a phone number for customer service queries, and this has led to some negative feedback in customer reviews. The claims line is open 24\/7.<\/p>

To make a general claim (for accidents, theft or vandalism), Marshmallow customers should call 0800 060 8622<\/span>.<\/p>

For breakdown claims (if you need roadside assistance or recovery), call 03300 413675 (provided by the AA).<\/p>

For windscreen claims, call 01827 842584 (National Windscreens).<\/span><\/p>

For motor legal claims, call 0333 043 3790.<\/p>

If you’ve had an accident and wish to make a claim, Marshmallow recommends that you:<\/p>