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Overview of Marshmallow Car Insurance

Marshmallow Car Insurance is an insurance company in the UK that works online. They want to give fair car insurance, especially to drivers who are immigrants or have a low credit score. The company started in 2018, founded by brothers Oliver and Alexander Kent-Braham. Marshmallow aims to improve car insurance by looking at driving records from other countries. This helps them offer lower premiums for drivers who have experience driving outside the UK.

Marshmallow is the name used for Marshmallow Financial Services Limited. This company is watched over by the Financial Conduct Authority (FCA). Marshmallow also sticks to the rules from the Information Commissioner’s Office. These rules explain how to manage and use personal information.

Comprehensive Car Insurance with Flexible Plans

Marshmallow offers full car insurance. This type of insurance protects you more than just from third-party issues, fire, or theft. Their plans cover accidental damage, theft, and vandalism. You also get help for driving in Europe and can use a courtesy car while yours is being fixed. You can manage all of Marshmallow's policies online. So, it is simple to use their app or website for your insurance needs.

Marshmallow offers four main plans. Each plan allows you to choose the coverage that suits your needs and fits your budget.

Marshmallow Car Insurance Plans

Feature Marshmallow Lightest Marshmallow Essential Marshmallow Original Marshmallow Plus
Fully Comprehensive ✔ ✔ ✔ ✔
Personal Injury Cover Up to £2k Up to £5k Up to £5k Up to £25k
European Cover 30 days 90 days 90 days 90 days
Uninsured Driver Promise ❌ ✔ ✔ ✔
Courtesy Car (Repairs) ❌ ✔ ✔ ✔
Windscreen Protection ❌ ❌ ✔ ✔
Onward Travel After an Accident ❌ ❌ ✔ ✔
Driving Other Cars (Third-Party Only) ❌ ❌ ❌ ✔
Courtesy Car (Theft and Total Loss) ❌ ❌ ❌ ✔
Motor Legal Protection ❌ ❌ ❌ ✔
Breakdown Cover ❌ ❌ ❌ ✔

Plan Details:

  1. Marshmallow Lightest:
    • Fully Comprehensive: This plan gives basic coverage. It does not have extra features like courtesy cars or windscreen protection.
    • Personal Injury Cover: Up to £2,000.
    • European Cover: 30 days.
  2. Marshmallow Essential:
    • This plan has Fully Comprehensive coverage. It also includes Personal Injury Cover up to £5,000 and 90-day European cover. You will get an Uninsured Driver Promise.
    • It does not include windscreen protection or onward travel.
  3. Marshmallow Original:
    • This plan is like the Essential plan. It adds windscreen protection and onward travel if you have an accident.
    • Personal Injury Cover remains at £5,000, and European cover lasts for 90 days.
  4. Marshmallow Plus:
    • This is the most complete plan. It offers Personal Injury Cover up to £25,000. It has all the features of the Original plan and adds extra benefits. These benefits include Driving Other Cars (Third-Party Only) and a Courtesy Car for theft and total loss.

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Key Features of Marshmallow Car Insurance

  • Fair Prices Worldwide: Marshmallow sets its prices using driving data from different countries. This is helpful for immigrants, expats, and people who do not drive all the time.
  • Flexible Payment Options: You can split your payments into smaller monthly amounts. You can also choose your own payment date.
  • Comprehensive Policies: Marshmallow plans cover things like accidents, theft, and vandalism. You can add extra options like breakdown cover and excess protection too.
  • Online Management: You can manage your policy online with the Marshmallow app or website. You can get quotes and file claims without making a phone call.
  • Claims Anytime: Marshmallow offers a claims line available 24/7. You can report accidents at any time. You can also use their app or live chat for help.

Marshmallow Car Insurance for Immigrants and Expats

Marshmallow offers a special pricing plan for immigrants and expats in the UK. They consider driving records from other countries when deciding prices. This means you can get a good rate, even if your driving experience comes from outside the UK. So, Marshmallow is a smart choice for anyone who might face higher costs with regular UK car insurance companies.

Marshmallow Car Insurance for Immigrants and Expats

Marshmallow Insurance Discounts and Referral Program

Marshmallow offers several ways to help you save on your insurance costs:

  • No Claims Discount Protection: Enjoy your discount. You can make up to two claims each year.
  • Excess Protection: If you claim, you will get your excess back, no matter who caused the issue.
  • Referral Program: Get rewards by inviting your friends and family to Marshmallow insurance.

Marshmallow Insurance Customer Service and Claims Process

Marshmallow offers a helpline for accidents at 0800 060 8622, which is available all the time. They do not provide a general customer service phone number. Instead, you can use the live chat feature on their app or website. This allows you to get quick answers and communicate easily without a long wait.

  • File Claims Anytime: You can report a claim using the app. You can also upload documents like your driving licence and registration number. The app will send you updates by email or directly.
  • Live Chat for Support: The live chat team is ready to help you every day of the week. You can get the support you need without having to call on the phone.

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Marshmallow Car Insurance Reviews

Marshmallow has over 29,596 reviews on Trustpilot. It has a TrustScore of 4.4 out of 5. Customers appreciate the low prices for expats. They also like the flexible payment options. Plus, they find it easy to manage their own car insurance with the user-friendly app.

Marshmallow Car Insurance Reviews
  • 5-star: 80%
  • 4-star: 8%
  • 3-star: 1%
  • 2-star: less than 1%
  • 1-star: 10%

Many customers say that the Marshmallow app is easy to use. They like the simple process for claims. This is why many tech-savvy drivers choose Marshmallow. The app offers digital services and friendly prices. This makes many users satisfied. It is particularly great for expats and younger drivers who want flexibility.

Marshmallow Multi-Car and Third-Party Insurance Options

Marshmallow mainly offers full insurance. You can also pick options for multi-car insurance. This allows you to cover more than one car under one policy. It can help you save money and makes managing your insurance simpler.

Marshmallow offers more than just third-party insurance. All their policies are designed to give complete protection for your own car and other vehicles as well.

FAQs About Marshmallow Car Insurance

Marshmallow makes it easy to update your car insurance. You can change your policy through the Marshmallow app or website by logging into your account. If you want to update your vehicle details, add a driver, or change your address, you can do it all online. Most of the time, there are no extra fees for these changes.

Yes, Marshmallow allows you to protect your No Claims Discount (NCD). This extra feature lets you make up to two claims in a year. You can do this without losing your no claims discount. As a result, you can keep your premium low, even if you have an accident.

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Page last updated on: 19/12/2024

Page reviewed by: Shay Ramani

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