You can only drive another car with your Marshmallow insurance if you have the Drive other cars (third-party only) feature. This is only included with Marshmallow Plus. If you’re on a Lightest, Essential or Original plan, you won’t be covered to drive someone else’s car under any circumstances.

Can I drive other cars on my insurance?

You’re only insured to drive another car in the UK if all the following apply:

  • You have a Marshmallow Plus policy
  • You’re the main policyholder (not an additional driver)

And the car you want to drive is:

  • Not owned by you or anyone in your household
  • Not a hire car, rental car, or courtesy car
  • You have the owner’s permission to drive it

If any of these conditions aren’t met, your insurance won’t cover you.

What type of insurance applies when driving someone else’s car?

If you meet all the above conditions, you’ll be covered under Drive other cars (third-party only) insurance.

You’ll only be covered for:

  • Damage or injury to others

You won’t be covered for:

  • Damage to the car you’re driving
  • Your own injuries

This is the standard level of driving other cars insurance in the UK, even with fully comprehensive cover.

Can you drive someone else’s car with fully comprehensive insurance?

Not always. With Marshmallow, fully comprehensive cover doesn’t automatically include permission to drive other cars.

Only Marshmallow Plus includes Drive other cars (policyholder only) cover — and only under the strict conditions above.

Can I add cover to drive other cars?

No. This feature can’t be added mid-policy and is not available on Marshmallow Lightest, Essential, or Original plans.

If you want cover to drive someone else’s car, you’ll need to switch to Marshmallow Plus at renewal, if eligible.

How to check if your insurance lets you drive another car

To see if you’re insured to drive other vehicles in the UK:

  • Open the Marshmallow app or log in to your account online
  • Go to your Policy Schedule and Certificate of Motor Insurance
  • Look for this line in your certificate: “The policyholder is also covered to drive another private motor car within the policy limits in extraordinary circumstances. This cover is limited to third party damages only.”

If you don’t see this wording, you’re not insured to drive other cars under your current policy.