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Cheap car insurance for people new to the UK
Moved to the UK? We accept driving history from anywhere, so you could save an average of £392* compared to the nearest competitor.
Get a quote in minutes
Licences from all countries covered
Rated “Excellent” on TrustPilot
TrustPilot
Rated great
App Store
Rated 4.8 stars
FCA
Regulated
Marshmallow
1m policies sold
TrustPilot
Rated great
App Store
Rated 4.8 stars
FCA
Regulated
Marshmallow
1m policies sold
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
Over 30,000 5-star reviews
How it works
You can get your car insured in a few simple steps.
All this and more on our app
- Change your details on-the-go
- All your documents in one place
- Get help fast on Live Chat
What our car insurance looks like
Fully comprehensive cover for added peace of mind
What’s included
Extra things you can add
Who we can cover
Answers to important questions
Can you cover me if I’m not a UK resident?
We define a UK resident as anyone who spends, or intends to spend, at least 183 days a year in the UK and has a permanent address here. We only offer insurance to UK residents.
Am I a UK resident?
You are still considered a UK resident if you are:
- new to the UK (and spend, or intend to spend, 183 days or more in the UK)
- on a spouse visa (and spend, or intend to spend, 183 days or more in the UK)
You must have, or be in the process of getting, a permanent address in the UK with the intention of settling here so that we can insure you.
Remember, being a UK resident is not the same as being a UK citizen. You do not need to be a UK citizen to get insurance with us.
Is car insurance different in the UK?
Insurance works differently in every country.
The most important thing to know about car insurance in the UK is that it is a legal requirement.
If you own a car, you need to get it insured - whether you’re driving it or not.
Important things to remember
- Car insurance is a legal requirement in the UK.
- In the UK you insure the driver, not the car. So if you want anyone else to drive your car, you either need to add them as an additional driver on your policy, or make sure they have their own insurance to drive it (for example, temporary insurance).
- Fully Comprehensive cover is the only level of cover in the UK that covers damage to you and your car as well as damage to others.
- Third-party cover is the minimum legal requirement in the UK. This covers injury and damage to others, but not to you. So if you’re hurt or your car is damaged, you would need to pay all the costs yourself. We do not offer third-party cover.
- If you have an accident that is deemed to be your fault, you will need to contribute a small amount to your claim. This sum is called an excess. You will be told what your excess is when you get your quote, before you pay.
I didn’t pass my test in the UK. Can I still get insured?
We can cover any licence for up to 12 months, no matter where it’s from. After that, you may need to exchange your licence for a UK one to keep your policy valid. You can find that out here.
Do you offer translation services?
Not yet, but we are working on it.
We always do our best to be as clear as possible. But we know things are still easier in our own language.
If you’re on our website, you can try using your web browser’s translator.
1. Right-click anywhere on the screen
2. You should see an option to translate into your preferred language
We can’t promise it will be any good, but might be worth a try!
What is a No Claims Discount?
No Claims Discount (NCD) is the UK system for rewarding drivers who have not made a claim. This works by giving a discount for every year they drive without making one.
Don’t have any driving experience in the UK yet? No problem! We can accept proof of claim-free driving from any insurer in any country - no translation needed. We’ll add this to your NCD straight away, so you get the same discount as everyone else.
You’ll earn 1 year of NCD for every year you drive without making a claim. So if you don’t make a claim for 3 years, you’ll get a 3-year discount on the basic cost of your insurance.
That can be up to 40% off!
If you make a claim on your insurance at any point, you may lose part or all of your discount - depending on how many years of NCD you have at the time.
What is the cheapest insurance you offer?
All our policies are Fully Comprehensive, which covers damage and injury to you or your car as well as damage and injury to others. That includes damage from fire, theft, attempted theft and vandalism.
The minimum legal requirement for car insurance in the UK is Third-party Only cover. This covers injury and damage to others, but not to you. So if you’re hurt or your car is damaged, you would need to pay all the costs yourself.
We do not offer Third-party Only cover.
When you buy direct, you’ll usually choose from four plans. Marshmallow Lightest is the cheapest plan – offering basic Fully Comprehensive cover. Marshmallow Essential covers the needs of most customers, while Marshmallow Original includes more extras – like windscreen protection, personal belongings cover and free updates to your policy. Finally, Marshmallow Plus is loaded with added extras like basic breakdown cover, legal protection, and third-party cover to drive other cars.
Find our more about UK car insurance
How to provide No Claims Discount proof
A step-by-step guide to proving your claims-free driving history. We don’t mind what country it’s from – find the documents we accept and upload it on the app.
What car insurance documents do you need to get UK cover?
Take the stress out of signing up for UK car insurance by finding out what documents you need to get cover.
How to exchange an international driving licence for a British one
How and when to exchange an international drivers licence for a British one. Don't miss out!
*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.
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