Whatever you call it, we'll insure it. We could also save you an average of £392*
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FCA
Marshmallow
TrustPilot
App Store
FCA
Marshmallow
Instant experience-based discounts on all the years you’ve been driving, in the UK and abroad.
Extra discounts for a proven record of claim-free driving (accepted from all insurers, no translation needed).
Live Chat support open daily.
24/7 phone line for claims and accident support.
£36 million paid out in claims in 2022.
Spread the cost with smaller, monthly payments.
Choose from a range of plans, with the option to add extra features, to suit your budget.
Make changes to your details easily on our 5-star(ish) rated app.
Add extra features to your plan and make it just right. We have breakdown cover, legal cover, discount protection - and more.
Spread the cost across smaller monthly payments, choose your own payment date, and get extra help if you need it.
Get help fast on Live Chat, call us 24/7 for claims and access support, or browse our FAQs.
What’s right today might not be right tomorrow. We’re making it easier than ever to make changes when you need to and stick to budget.
Insurance sounds a lot more complicated than it actually is. So we’re here to cut through the nonsense.
Fully comprehensive cover for wherever you’re going, no matter where you started.
Before you touch the steering wheel, make sure you’ve taken care of all the legal stuff. You’ll need to register the car, pay the road tax, check the MOT, and get car insurance. All before you drive it.
The basics are a doddle. Drive on the left-hand side. Wear a seatbelt. Don’t use your phone while you’re driving. Remember the speed signs are in miles, not kilometres. If there are two yellow lines at the side of the road, don’t park there.
Not unique to the UK, but still new to many. Let’s cover the basics. Always slow down when you approach them. Give way to anything approaching from the right. When the road is clear, go round in a clockwise direction. Indicate before you exit.
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.
Take the stress out of signing up for UK car insurance by finding out what documents you need to get cover.
How and when to exchange an international drivers licence for a British one. Don't miss out!
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:
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.
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
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.
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.
We can’t promise it will be any good, but might be worth a try!
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.
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.
*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.
UK newcomers save an average of £392: Based on internal data for 4304 policies sold via Confused.com from January 2025 to June 2025 to UK newcomers living in the UK less than 3 years. The average difference between Marshmallow’s price and the second cheapest price was £392.
Newcomers from India save an average of £383: Based on internal data for 940 policies sold via Confused.com from January 2025 to June 2025 to those of Indian nationality living in the UK less than 3 years. The average difference between Marshmallow’s price and the second cheapest price was £383.
Newcomers from Pakistan save an average of £496: Based on internal data for 888 policies sold via Confused.com from January 2025 to June 2025 to those of Pakistani nationality living in the UK less than 3 years. The average difference between Marshmallow’s price and the second cheapest price was £496.
Newcomers from Nigeria save an average of £337: Based on internal data for 370 policies sold via Confused.com from January 2025 to June 2025 to those of Nigerian nationality living in the UK less than 3 years. The average difference between Marshmallow’s price and the second cheapest price was £337.
Newcomers from Ukraine save an average of £353: Based on internal data for 121 policies sold via Confused.com from January 2025 to June 2025 to those of Ukrainian nationality living in the UK less than 3 years. The average difference between Marshmallow’s price and the second cheapest price was £353.
*Newcomers from Zimbabwe save an average of £248: Based on internal data for 224 policies sold via Confused.com from January 2025 to June 2025 to those of Zimbabwean nationality living in the UK less than 3 years. The average difference between Marshmallow’s price and the second cheapest price was £248.
Healthcare workers new to the UK save an average of £217: Based on internal data for insurance policies sold via Price Comparison Websites in 2024 for healthcare workers living in the UK less than 5 years. The average difference between Marshmallow’s price and the second cheapest price was £217.
Marshmallow was the cheapest for 83% of our UK newcomers: Based on a 2024 survey of 619 Marshmallow policyholders who are new to the UK.
79% of Marshmallow customers are new to the UK: Based on data from all active Marshmallow car insurance policyholders from 2018 - 2024.
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