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Car financeFully Comprehensive policies protect you, your car, and anyone else involved in an accident you cause (including their car or any other property). Third-party Only policies do not cover you or your car - just the other person’s. And even though Fully Comprehensive policies give you more cover, they’re often cheaper.
Cheap car insurance for UK newcomers
Moved to the UK? You can save an average of £392* on your car insurance with us.
Get a quote in minutes
Licences from all countries accepted
Discounts for proof of claim-free driving
Fair prices and flexible features
Save an average of £392*
We look at your driving history from any country
Discounts for proof of claim-free driving – any country or language accepted
Help when you need it
24/7 phone line for claims and accidents
Live Chat for account and policy support
Pick your features
Choose a plan and add-ons that fit your needs and budget
Spread the cost with monthly installments
Rated Great on Trustpilot
Choose your plan
Get the basics with Marshmallow Lightest or go full protective bubble with Marshmallow Plus. Or anywhere in between.
Our most streamlined plan.
Fully Comprehensive
Personal injury cover up to £2k
Cover to drive in Europe (30 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
Lightest, with a little bit extra.
Fully Comprehensive
Personal injury cover up to £5k
Cover to drive in Europe (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
All the essentials. No trimmings.
Fully Comprehensive
Personal injury cover up to £5k
Cover to drive in Europe (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
All of Marshmallow Original, PLUS...
Fully Comprehensive
Personal injury cover up to £25k
Cover to drive in Europe (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
Add your extras
Missed something in your plan? Build the cover you want with any of our optional extras.
Breakdown cover
Choose from three breakdown plans, powered by the AA.
- Roadside assistance
- UK-wide recovery
- European cover
Motor Legal Protection
Get the upper-hand in any road-related dispute. Cover any legal costs required to settle disputes or appeal motoring convictions.
Courtesy Car upgrade (for theft and total loss)
Upgrade your courtesy cover if you’d like a replacement car if yours is stolen or cannot be repaired. Standard courtesy cover (included with all but Marshmallow Lightest) only gives you a replacement if your own car can be fixed.
No Claims Discount Protection
Even good drivers make mistakes. Make up to 2 claims a year without affecting your claim-free record, and protect your well-earned discount.
Excess Protection
Your excess is the amount you agree to pay if you make a claim (you agree to this amount when you sign up). But with Excess Protection, you’ll get it all back! Regardless of what happened or who was at fault.
Europe Roaming Pass upgrade
Your standard pass gives you Third-party Only cover in Europe for up to 90 days. You can now upgrade that cover to Fully Comprehensive. That means cover for injury and damages to you, as well as any other person involved.
Windscreen Protection
Protect your windscreen if it gets chipped, cracked or broken. Pay a small amount upfront and we’ll cover the cost of any glass repairs or replacements.
What is Fully Comprehensive?
Answers to important questions
Do you recognise No Claims Discount?
Where can I see my policy documents?
What kind of checks do you run?
If my personal details change, do I need to pay to update them?
What is the cheapest insurance you offer?
*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.
79% of our customers are new to the UK based on data from all active Marshmallow car insurance policyholders from 2018 - 2024.
Here’s how we back up what we say in our ads