If you’re unhappy with your renewal quote, please speak to a friendly member of our team via Live Chat. We can't guarantee a cheaper price, but we’d love to see if we can help.

Why is my renewal price more expensive than last year?

There are many factors that could push up your car insurance price, including:

  • Inflation: When the cost of materials, paint, and energy increase, this pushes up the price of repairs, with a knock-on effect on UK car insurance.
  • Increased fraud: Exaggerated or false claims make the cost of insurance higher for everyone.
  • Personal factors: Your age, location, or recent claims can also affect your renewal price.

You’ll always get the same price as a new customer

Marshmallow follows Financial Conduct Authority (FCA) regulations. This means we never charge returning customers more than new ones. You’re always priced fairly and in line with other customers, no matter what country you’ve been driving in or how long you’ve lived in the UK.

How can I make my renewal price cheaper?

Sometimes even small changes can help reduce the cost of your car insurance renewal. Make sure your details are up to date, and consider changing features if you'd prefer to save money:

  • Licence details. Have you recently updated a foreign licence to a UK one? Driving on a UK licence can sometimes reduce your price. Find out how to exchange your foreign licence for a British one.
  • Your annual mileage. Are you driving fewer miles than last year?
  • Address and parking. Moving home or parking your car somewhere more secure overnight can affect your quote.
  • Occupation. If you’ve changed your job title or industry, this can affect your price slightly.
  • Your claims-free driving experience. Also known as a No Claims Discount (NCD). Are there any NCD years from the UK or from overseas that we don’t know about?
  • Policy add-ons. Check for policy extras that you could remove, such as Breakdown Cover or No Claims Discount Protection.
  • Vehicle ownership. Confirm you are still the registered keeper of your vehicle.
  • Additional drivers. Make sure any other drivers on your policy are named and their details are up to date. Remove anyone no longer driving your car.

You should note that certain changes might also make your insurance more expensive.

Can I downgrade my plan at renewal?

Yes, you might be able to switch to a different plan at renewal to make your car insurance quote cheaper. Switching to Marshmallow Lightest or Move will often reduce your annual premium

To do this, start a Live Chat through the Marshmallow app, or the Help page on our website.

Talk to us about your renewal

If you’d like to discuss your renewal, our team is happy to help. Start a Live Chat in the Marshmallow App or on our Help page.