The smart way to buy car insurance

Award-winning cover you can control from your phone

4.6 Trustpilot
24/7 claims line

Join over 100,000 happy customers

81% of reviews rated Excellent

from Deborah

Effortless Insurance

Nobody likes having to purchase insurance, but Marshmallow makes it quick and simple to do, straight from your mobile. As an expat driver in the UK, it’s a bonus to have my 20+ years of driving experience taken into account along with no-claim bonuses from my home country. I would recommend Marshmallow to anyone!

from Rebecca

Well priced for returning expats and good service

As a returning expat marshmallow was significantly cheaper than any other insurer. Their staff have been very helpful and reduced my insurance further when I was able to provide more NCD than I thought I had from several countries. Definitely recommend

from Chris

Knowledgeable and efficient on chat…

Knowledgeable and efficient on chat support. Best quotes for international and U.K. expat drivers. More logical and reasonable approach to getting insurance coverage compared to most in the market.

from Sumit

Really happy with the service

Really happy with the service. I am an expat, living in the UK for the last 4 years. My company has provided me with a leased car thus i had no history here. Marshmallow was fast, knew my situation and i am very happy with the quote. Cheers.

from Jules

Really impressed

Really impressed. As an expat I always struggle with high insurance quotes. Marshmallow was by far the most affordable. Service was quick and sign-up was super simple. Great experience all round.’

from Lee

Returning expat to the UK - very happy

As a returning expat to the UK, marshmallow offered to utilise my no claims from driving abroad and gave me a very competitive quotation for my car insurance. Super happy with the team for making the process as simple as possible and for always being available for online support.

from Craig

Excellent customer service

Excellent customer service, I've been speaking with Sally and she is a credit to Marshmallow, she has always gone the extra mile and was able to adapt my insurance to my needs.As an expat returning to the UK, Marshmallow was by far the best car insurance I could find. I highly recommend this company.

from Juuso

Positively suprised

Very happy with the service I got when setting up my policy. I had some
questions about the applicability of my foreign ncb, I got in touch with the team
and had all my questions answered In a timely manner. The price I was quoted
was over almost 50% less than any other competing company! Very happy

from Joel

Great service…new resident from overseas

We have recently relocated to the UK from Canada and the experience with
Marshmallow has been 1st class. Using all the conveniences of a digital
platform, Marshmallow keeps the process clear and simple. All the
correspondence has been prompt and efficient. Highly recommend

from Milena


Marshmallow was the only UK insurer that would allow me to include my no
claims bonus from overseas! They came in with the best price and have been
very helpful whenever I have needed assistance.  I would recommend Marshmallow to friends and family.

from Bolarinwa

Fast & Pain Free service

As a first time insurance buyer in the UK with a foreign licence, Marshmallow
made the process easy and straight forward even on a Sunday. Despite being an online only service, i found them very responsive and pain-free service. Enquiries or complaints are answered pretty quickly, with straight forward answers and clarity on what can or cannot be done.

The highest level of cover

A quick look at what’s covered

Car damage
Fire and theft
EU cover for 90 days
Courtesy car
Property damage
Windscreen damage

Car damage

Accidents happen. Vandalism happens. If your car is damaged as a result of either, we’ll cover the cost of getting it fixed or replaced.

Fire and theft

If your car is damaged by fire, lightning, explosion, theft or attempted theft, we’ll cover the costs of getting it fixed or replaced.

EU cover for 90 days

Europe is just a road trip away. Contact us before you leave and get up to 90 days third-party cover inside the EU.


If you’re at fault in an accident that causes injury to others, all compensation payouts will be taken care of. If you’re harmed, we can contribute up to £5,000 in personal accident support, depending on your injuries.

Courtesy car

We want to keep you mobile, even if your car has other ideas. As long as you use one of our approved repairers, we’ll do everything we can to get you a courtesy car. This can be subject to claim and availability.

Property damage

If you damage someone else’s property by accident, you can breathe a bit easier knowing we’ve set aside £20m to pay for any repairs or replacements needed.

Windscreen damage

If you’re on a Marshmallow Original plan and your windscreen needs fixing or replacing, you’ll pay a small excess and we’ll cover the rest.

Uninsured driver promise

If you’re hit by an uninsured driver, we’ll protect your No Claims Discount and return your excess

Get the cover you need

Take care of future you, with extra protection for whatever happens on the road

NCD Protection

Even good drivers
make mistakes.

Keep your No Claims Discount even if you make a claim

Start protecting with just one year

Motor Legal Protection

Get the upper hand in any road-related dispute.

Legal costs to settle disputes or chase compensation

Help to appeal motoring convictions

powered by the

Breakdown Cover

Our breakdown cover is powered by the AA, so you know you’re in good hands.

Choose from:

Road side assistance

UK-wide recovery

European cover

Tell me more!

Everything you need to know about Marshmallow car insurance

How do I prove my No Claims Discount?

You should get an official NCD record from your previous insurer. We’ll just ask you to upload a photo of it to your Marshmallow account. If you’ve been driving outside the UK, we can also accept any foreign equivalent. You don’t need to get it translated.

Do I have to pay to update my policy?

If you’re on our Essential plan, we charge a small amount to make policy changes - this helps us to keep your overall price cheaper. But you can upgrade to our Original plan and make policy changes for free.

Do you ask for additional documents?

Sometimes, yes. 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.

How do I see my policy?

All your documents will be available on your Marshmallow app. Plus, we’ll also email you a copy. Through the app you can also change your details, access your payment information and talk to us directly using live chat.

What is a No Claims Discount?

No Claims Discount (NCD) is a system that rewards drivers who haven’t made an insurance claim. So for every year you drive without making a claim, your NCD grows and you get more money off your insurance. In other countries, it’s known as Bonus Malus (which we also accept).

How do I talk to someone?

Our live chat is open 9am-8pm on weekdays, and 10am-5pm on weekends. Please get in touch if you have any questions at all - we usually respond in under 2 minutes! Our phone line is for claims only.