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Save Money on Car Insurance in the UK

With Marshmallow, you could save around £230 a year on car insurance.

Moving to the UK is expensive enough without having to worry about car insurance costs. That’s where Marshmallow comes in 👋

We’re here to help you get online cheap car insurance, all by doing things a little bit differently.

How does Marshmallow make my UK car insurance cheaper?

Let’s start with the basics…

In the UK, one of the biggest things affecting the cost of car insurance is past your driving experience. So the first thing insurers look at is how long you've been driving for. Unlike other insurers, we look at ALL your driving experience, in the UK and abroad. 

Then, insurers will look at how long you've been driving for without making a claim. In the UK, this is called a No Claims Discount (NCD for short). The longer you’ve been driving in without making a claim = the bigger your car insurance discount. 

Lots of other countries have similar reward schemes but they use different names. 

At Marshmallow, we look at your claim-free history from ALL countries, not just the UK. That means when you sign up with us, you get the same discount as UK drivers do (and sometimes more!) based on your claims-free driving. 

How is that different to other UK insurance companies?   

Most companies only care about your driving history in the UK. That means no discount based on your experience, and no discount based on your claims-free driving history.

So people who move here from somewhere else miss out on all experience-based discounts, no matter how long they've been driving for. 

For example, even if you managed to drive for eight years in South Africa without being involved in an accident, you'd still be classed as a new driver in the UK - and priced like one as well. 

And that can mean paying up to 45% more for your car insurance than you should. What's fair about that?!

We do our best to reward your claims-free driving experience from all countries.

How can I prove my claims-free driving experience outside of the UK? 

When it comes to your claims-free driving experience, we can’t just take your word for it (unfortunately). We do need to get it confirmed by your previous insurer. 

To prove your driving experience, you’ll need to share a renewal notice or letter from your last insurer. The notice or letter should share these details:

  • Your name
  • Your claims-free driving bonus/score/ratio (this works differently in every country)
  • Policy expiry date
  • Claim details (if you have any)
  • Contact details of your previous insurer 

We know that some countries don’t have a system that rewards claims-free driving. Don’t worry! If you’re from one of those countries, we can accept a simple letter or email from your previous insurer that confirms your driving history. 

To find out what other documents you need to get UK car insurance, read our blog here

I drove in a country where I didn’t need car insurance. Can I still get cheaper UK car insurance?

Car insurance isn’t a legal requirement in all countries, so you may not have a previous insurer. If that is the case, we can’t give you a discount based on your previous claims-free driving experience. That’s because we need official proof from an insurance company. 

But, there are other things we can do to help you get cheaper car insurance. We’ll look at where you live, how often you drive, what type of car you have, and more to get you the best price. 

I’ve had to pay for lots of moving costs. Can I get cheaper monthly car insurance with Marshmallow? 

Yes, you can. With Marshmallow, you don’t have to pay the full amount upfront. You can choose to pay monthly, which can help spread the cost of moving to a new country. Just choose the pay monthly option when you first sign up with us.

Can you summarise Marshmallow’s cheap car insurance for me?

  • If you’re new (or newish!) to the UK, we’ll look at your past driving experience to give you the best price for your car insurance, no matter where you’ve moved from.
  • We can offer you cheaper UK car insurance by giving you a discount based on your claims-free driving history, wherever you were driving before. That means you could save up to 45% on your car insurance premium.
  • We give all our customers fully comprehensive car insurance as standard. So you’re getting a great price for the highest level of protection. 
  • You don’t need to panic about getting a UK driving licence right away, we cover driving licences from every country for up to 12 months. 

Want to know how much we could save you on car insurance? Get a quote here.