To give you a valid car insurance policy, we need to confirm your UK address. To do this, we might ask you to send proof of where you live.

Why do I need to prove my UK address?

We ask for proof of address to:

  • Check your identity
  • Keep your details up to date so we can contact you if needed
  • Make sure we have the right information when we work out your premium

Most customers need to provide proof of address. It helps us confirm your details and give you a fair price.

What can be used as proof of address?

You can prove your address with one of these documents:

  • Utility bill (gas, electricity, water)
  • Council tax bills
  • Internet, landline or mobile phone bill
  • Signed and dated tenancy agreement
  • Letter from the Department for Work and Pensions (DWP)
  • Letter from the Electoral Registration Office
  • Letter from HM Revenue and Customs (HMRC)
  • TV licence
  • Bank statement (not from an online-only bank account)
  • Letter from the Driver and Vehicle Licensing Agency (DVLA)
  • Vehicle logbook (V5)

You can upload a clear photo of the document or a PDF. The document must:

  • Be in your name (the main policyholder)
  • Show your current UK address
  • Be dated within the last 90 days

How do I upload my proof of address?

We’ll email you if we need proof of address. You can upload your document straight from that email or through the Marshmallow App in the Policy Documents section.

The photo or PDF must be clear and show the full page, including all four corners.

What can’t be used as proof of address?

We cannot accept:

  • Driving licences (UK or international)
  • No Claims Discount (NCD) documents
  • Undated documents
  • Bank statements with a recently updated address

What if I have just moved to the UK?

We understand it can be difficult to show proof of address if you have just arrived in the UK. In this case, it’s perfectly fine to provide proof of your temporary address, and we’ll need your permanent proof of address once you’re settled.

To help, we suggest you:

  • Open a UK bank account as soon as possible
  • Ask your landlord or letting agent for a copy of your signed tenancy agreement
  • Keep any official letters or statements you receive in the post

If you live in temporary accommodation or with friends and family, you’ll still need your own proof of address to take out an insurance policy.

What if I have a temporary address?

You can use a temporary address in the following cases:

  • New to the UK: If you've just arrived and haven’t secured a permanent home, you can use an Airbnb or hotel address for now.
  • In transition: If you’re staying somewhere short-term before moving into a new home, let us know. We’ll also need the details of your upcoming permanent address.
  • Occupational housing: If you live at your workplace (like hospital accommodation or student halls), that’s fine too — just provide proof of your job or studies.

What proof do we need?

To accept a temporary address, we might ask for:

  • A signed tenancy agreement (minimum six months if available).
  • A forward-dated contract for your next home.
  • A hotel or Airbnb booking confirmation.
  • Proof of occupation (if you live at work premises).

What if my address changes?

If you move house, you must update the address on your policy. If your policy shows the wrong address, your insurance could be invalid. This means any claims might be refused, and you could be driving without cover.

If you’ve moved to a new address, you might already have some acceptable documents. Look out for:

  • A recent payslip with your new address
  • A letter from HMRC
  • A tenancy agreement that includes your name and start date

However, if you are moving in with friends or family you may not have these. In this case all you need to do is get in touch with us through a Live Chat and we’ll discuss your options.

What if I don’t have any proof of address?

If you don’t have one of the accepted documents or are unsure whether yours will work, contact us. Start a Live Chat in the Marshmallow App or go to our Help page. We’ll be happy to explain your options.