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What is a No Claims Discount?
Learn how No Claims Discount works and how to apply for a discount on your car insurance.
Cheap car insurance
Get a quote in minutes to see what you could save.
- Spread the cost with monthly payments
- Licences from all countries accepted
- Over 30,000 "5-star" reviews on TrustPilot
TrustPilot
Rated great
App Store
Rated 4.8 stars
FCA
Regulated
Marshmallow
1m policies sold
TrustPilot
Rated great
App Store
Rated 4.8 stars
FCA
Regulated
Marshmallow
1m policies sold
Why choose Marshmallow?
Save an average of £392*
- We look at your driving history from where you’ve lived before
- Discounts for proof of claim-free driving from your previous insurer
Here when you need us
- Call our claims team 24/7 if you’re in an accident
- Log a claim in the app or start a live chat anytime
Fully comprehensive as standard
- Added protection for complete peace of mind
- Spread the cost with monthly instalments
5-star rated car insurance
Our Marshmallow Plus and Marshmallow Move Plus plans have been rated 5 stars by Defaqto.
Get a cheap car insurance quote in minutes
With our quick, online set up, we can move at your pace. Get insured fast if you’re in a hurry, or take your time if you’re considering your options.
1
Get a free quote
Tell us about you and your car with our simple online form.
2
Select your features
Pick your plan and any extras. Then choose to pay monthly or in one go.
3
Finalise your policy
Upload any supporting documents, such as ID, proof of address or claim-free driving.
4
Start driving
We’ll confirm your policy is live and you’re ready to go!
Your policy at your fingertips
- Change your details on-the-go
- All your documents in one place
- Get help fast on Live Chat
What is Fully Comprehensive insurance?
At Marshmallow, all our policies are Fully Comprehensive, often known as “Full Comp”. That means we cover damage to your own vehicle as well as anyone else that’s involved.
Fully Comprehensive
- Injuries to other people
- Included
- Damage to another person’s car or property
- Included
- Damage or loss resulting from theft
- Included
- Damage to your car from a fire
- Included
- Damage to your own car
- Included
- Personal accident benefits
- Included
Third-party, Fire & Theft
- Injuries to other people
- Included
- Damage to another person’s car or property
- Included
- Damage or loss resulting from theft
- Included
- Damage to your car from a fire
- Included
- Damage to your own car
- Not included
- Personal accident benefits
- Not included
Third-party only
- Injuries to other people
- Included
- Damage to another person’s car or property
- Included
- Damage or loss resulting from theft
- Not included
- Damage to your car from a fire
- Not included
- Damage to your own car
- Not included
- Personal accident benefits
- Not included
| Fully Comprehensive | Third-party, Fire & Theft | Third-party only | |
|---|---|---|---|
| Injuries to other people | Included | Included | Included |
| Damage to another person’s car or property | Included | Included | Included |
| Damage or loss resulting from theft | Included | Included | Not included |
| Damage to your car from a fire | Included | Included | Not included |
| Damage to your own car | Included | Not included | Not included |
| Personal accident benefits | Included | Not included | Not included |
Affordable car insurance plans
When you get your free quote you’ll be given a price for different plans, so you can compare options and find the right cover for your needs.
Lightest
- Fully Comprehensive
- Included
- Personal injury cover
- Up to £2k
- Cover to drive in Europe
- 30 days
- Uninsured driver promise
- Not included
- Courtesy Car (repairs)
- Not included
- Windscreen Protection
- Not included
- Onward travel after an accident
- Not included
- Driving Other Cars (Third-party only)
- Not included
- Courtesy Car (theft and total loss)
- Not included
- Motor Legal Protection
- Not included
- Breakdown Cover
- Not included
Essential
- Fully Comprehensive
- Included
- Personal injury cover
- Up to £5k
- Cover to drive in Europe
- 90 days
- Uninsured driver promise
- Included
- Courtesy Car (repairs)
- Included
- Windscreen Protection
- Not included
- Onward travel after an accident
- Not included
- Driving Other Cars (Third-party only)
- Not included
- Courtesy Car (theft and total loss)
- Not included
- Motor Legal Protection
- Not included
- Breakdown Cover
- Not included
Original
- Fully Comprehensive
- Included
- Personal injury cover
- Up to £5k
- Cover to drive in Europe
- 90 days
- Uninsured driver promise
- Included
- Courtesy Car (repairs)
- Included
- Windscreen Protection
- Included
- Onward travel after an accident
- Included
- Driving Other Cars (Third-party only)
- Not included
- Courtesy Car (theft and total loss)
- Not included
- Motor Legal Protection
- Not included
- Breakdown Cover
- Not included
Plus
- Fully Comprehensive
- Included
- Personal injury cover
- Up to £25k
- Cover to drive in Europe
- 90 days
- Uninsured driver promise
- Included
- Courtesy Car (repairs)
- Included
- Windscreen Protection
- Included
- Onward travel after an accident
- Included
- Driving Other Cars (Third-party only)
- Included
- Courtesy Car (theft and total loss)
- Included
- Motor Legal Protection
- Included
- Breakdown Cover
- Included
| Lightest | Essential | Original | Plus | |
|---|---|---|---|---|
| Fully Comprehensive | Included | Included | Included | Included |
| Personal injury cover | Up to £2k | Up to £5k | Up to £5k | Up to £25k |
| Cover to drive in Europe | 30 days | 90 days | 90 days | 90 days |
| Uninsured driver promise | Not included | Included | Included | Included |
| Courtesy Car (repairs) | Not included | Included | Included | Included |
| Windscreen Protection | Not included | Not included | Included | Included |
| Onward travel after an accident | Not included | Not included | Included | Included |
| Driving Other Cars (Third-party only) | Not included | Not included | Not included | Included |
| Courtesy Car (theft and total loss) | Not included | Not included | Not included | Included |
| Motor Legal Protection | Not included | Not included | Not included | Included |
| Breakdown Cover | Not included | Not included | Not included | Included |
Add your extras
Missed something in your plan? Build the cover you want with any of our optional extras.
Breakdown cover
Get help fast if your car breaks down. Cover provided by The AA.
Motor Legal Protection
Covers legal costs required to settle disputes or appeal motoring convictions.
Courtesy Car upgrade
Gives you a Courtesy Car if your car is stolen or written off.
No Claims Discount Protection
Keep your No Claims Discount if you make up to 2 claims.
Excess Protection
Get your excess refunded, meaning you pay nothing if you need to make a claim.
Windscreen Protection
Protect your windscreen if it gets chipped, cracked or broken.
Add your extras
Missed something in your plan? Build the cover you want with any of our optional extras.
Breakdown cover
Get help fast if your car breaks down. Cover provided by The AA.
Motor Legal Protection
Covers legal costs required to settle disputes or appeal motoring convictions.
Courtesy Car upgrade
Gives you a Courtesy Car if your car is stolen or written off.
No Claims Discount Protection
Keep your No Claims Discount if you make up to 2 claims.
Excess Protection
Get your excess refunded, meaning you pay nothing if you need to make a claim.
Windscreen Protection
Protect your windscreen if it gets chipped, cracked or broken.
35,044 "5 star" reviews
What impacts your car insurance quote cost?
Insurers use information about you and your vehicle to look at how likely you are to make a claim, and how expensive that claim is likely to be.
What impacts your car insurance quote cost?
Insurers use information about you and your vehicle to look at how likely you are to make a claim, and how expensive that claim is likely to be.
Your age
Younger drivers are more likely to make a claim, so often have to pay more.
Your address
If you live in area with high crime or accident rate, you may pay more.
Driving record
Driving convictions and points on your licence can mean higher prices. On the other hand, a good claim-free record can reduce your cost.
Where you park
Parking on a drive or in a garage can mean a lower quote than parking on the street.
Your car
High value, powerful or expensive to repair cars often cost more to insure.
Engine type
The type of fuel and engine your car uses can affect it's performance and potential repair costs.
Mileage
The more you drive, the more likely you are to make a claim.
Learn more about how to get cheaper car insurance
Car insurance guides
What insurance group is my car?
Learn how UK car insurance groups work, which are the cheapest groups and how to to check which group your car is in.
Car insurance guides
What is car insurance excess?
Car insurance excess is what you pay towards a claim. Learn about compulsory and voluntary excess and how to choose the right amount.
Explore more products
More on car insurance
Answers to important questions
Yes we do!
No Claims Discount is the UK’s system for rewarding safe drivers who have not made a claim.
You get a discount for every year you drive without making a claim, as long as you can prove it. If you have a No Claims Discount score from the UK, you’ll get a certificate from your insurer at the end of the year. We’ll ask you to upload a photo of this to your Marshmallow account after you pay.
If you’re new to the UK, don’t worry! We can accept proof of claim-free driving from any insurer, in any country, in any language. No translation needed. We’ll ask you to upload a photo of this to your Marshmallow account after you pay.
All your documents will be available in your Marshmallow account - online and on the app. You can access these at any time.
We may ask for a photo of your ID, a selfie, or proof of address. Or we might ask you to verify things like your driver’s licence number. Every person is different, and we’ll only ask you to provide things we really need.
There are some details we have to get right to make sure your policy is valid. Even small mistakes can mean the difference between getting the money you deserve after an accident, and not. This is our way of making sure you do.
No, you can get a policy at Marshmallow without any kind of black box or telematics device. However, you can choose to get a Marshmallow Move policy, which uses a simple bluetooth tag to share your driving data. Find out more on our Marshmallow Move page.
*Based on internal data for 4304 policies sold via Confused.com from January 2025 to June 2025 to those of UK newcomers living in the UK less than 3 years. The average difference between Marshmallow’s price and the second cheapest price was £392.
Drivers from outside the EU/EEA will need to switch to a UK licence 12 months after becoming a UK resident, or drive on a provisional licence with the same rules as learner drivers. You can find out more here.
*UK newcomers save an average of £392: Based on internal data for 4304 policies sold via Confused.com from January 2025 to June 2025 to UK newcomers living in the UK less than 3 years. The average difference between Marshmallow’s price and the second cheapest price was £392.
*Newcomers from India save an average of £383: Based on internal data for 940 policies sold via Confused.com from January 2025 to June 2025 to those of Indian nationality living in the UK less than 3 years. The average difference between Marshmallow’s price and the second cheapest price was £383.
*Newcomers from Pakistan save an average of £496: Based on internal data for 888 policies sold via Confused.com from January 2025 to June 2025 to those of Pakistani nationality living in the UK less than 3 years. The average difference between Marshmallow’s price and the second cheapest price was £496.
*Newcomers from Nigeria save an average of £337: Based on internal data for 370 policies sold via Confused.com from January 2025 to June 2025 to those of Nigerian nationality living in the UK less than 3 years. The average difference between Marshmallow’s price and the second cheapest price was £337.
*Newcomers from Ukraine save an average of £353: Based on internal data for 121 policies sold via Confused.com from January 2025 to June 2025 to those of Ukrainian nationality living in the UK less than 3 years. The average difference between Marshmallow’s price and the second cheapest price was £353.
*Newcomers from Zimbabwe save an average of £248: Based on internal data for 224 policies sold via Confused.com from January 2025 to June 2025 to those of Zimbabwean nationality living in the UK less than 3 years. The average difference between Marshmallow’s price and the second cheapest price was £248.
*Healthcare workers new to the UK save an average of £217: Based on internal data for insurance policies sold via Price Comparison Websites in 2024 for healthcare workers living in the UK less than 5 years. The average difference between Marshmallow’s price and the second cheapest price was £217.
*Marshmallow was the cheapest for 83% of our UK newcomers: Based on a 2024 survey of 619 Marshmallow policyholders who are new to the UK.
*79% of Marshmallow customers are new to the UK: Based on data from all active Marshmallow car insurance policyholders from 2018 - 2024.