PLEASE READ THESE REFERRAL TERMS CAREFULLY
This “Agreement” (these referral terms on this page together with the documents referred to in it) sets out the terms which govern our referral programme (“Referral Programme”). Please read this Agreement carefully before you use our Referral Programme. By using our Referral Programme, you confirm that you accept this Agreement and that you agree to comply with it. If you do not agree to the terms of this Agreement, you must not use our Referral Programme. This Agreement applies whether you are an existing Marshmallow customer (“Member”) or a person that is introduced by a Member to purchase a Marshmallow insurance policy (“Friend”).
1. Referrals
1.1. Subject to your compliance with the terms of this Agreement, Marshmallow shall send you and your friend a reward as specified on the page How do I invite friends? (“Referral Reward”). The page specifies rules including how many friends you need to invite, the amount of the Referral Reward you will be entitled to and the conditions attached to the Referral Programme.
1.2. You may use the Referral Programme by sharing a link that is unique to each Member, is sent from us and directs to a page (“Referral Link”) where one can purchase a Marshmallow insurance policy and allows Marshmallow (“us”, “our”) to link the referring Member to the policy purchased.
1.3. If you are a Member, provided that you meet the requirements (as in force at that time) more than once, you are entitled to an amount of Referral Reward each time you meet such requirements, subject to the limit set out on the page about How do I invite friends?. We may disallow you from using the Referral Link to introduce new Friends and earn rewards from those introductions if you cease to be our customer or all of your policies have been cancelled (whether they were cancelled by us or by yourself).
2. Referral Reward
For each Friend who has used the Referral Link that we sent a Member to purchase a Marshmallow policy and meet the following criteria, we will send each of the referring Member and the Friend Referral Reward as specified in How do I invite friends? if:
- the Friend does not cancel or have their policy cancelled within 21 days after the policy starts (or anytime before the policy starts),
- the Friend has not bought a policy with Marshmallow before,
- the Member has an active insurance policy (that has started and not cancelled) with Marshmallow at the time when the Friend buys an insurance policy with Marshmallow using the Member’s Referral Link,
- neither the Member nor the Friend is owing us any money,
- neither the Member nor the Friend has an open or at-fault claim with Marshmallow,
- if we have requested any documents from the Member or the Friend, the documents have been uploaded and approved by our team.
We will not send out any reward to the Member or the Friend if:
- the Friend referred currently has or has had a policy (where the Friend is a policyholder) with us in the past,
- the Member and the Friend are the same person or the Member is referring himself or herself,
- the Member has an open claim with Marshmallow,
- the Friend purchased the insurance policy from a quote that was not generated via the Referral Link (because, for example, the Friend started a new quote from our homepage or generic quote flow and purchased the quote generated from there instead of the one from the Referral Link),
- either the Friend or the Member falls into arrears on their payments for their Marshmallow insurance policies or owes Marshmallow or their partners any money with regard to any of their Marshmallow insurance policies (including but not limited to cancellation fees when applicable).
A Member will lose all their Referral Reward that we have not sent them if their policy has been cancelled at the moment when they meet all the requirements for the Referral Reward.
We will send the Referral Reward within 10 weeks after all the requirements for the Referral Reward are met.
3. Prohibited uses
3.1. You may only use our Referral Programme in good faith for lawful purposes. You may not:
(a) create more than one account in order to invite yourself;
(b) invite others that have purchased duplicate policies;
(c) use alternative contact information to refer yourself or others that have purchased duplicate policies;
(d) invite an existing customer of Marshmallow;
(e) invite fictitious persons;
(f) do anything that damages Marshmallow’s brand, goodwill or reputation;
(g) use the Referral Programme in: (i) any way that breaches any applicable local, national or international law or regulation; or (ii) any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
(h) to transmit any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam); or
(i) to transmit any unsolicited or unauthorised advertising either via paid search or any other similar activity, including channels that can damage the Marshmallow brand, goodwill or reputation.
3.2. Any obligation on you not to do something includes an obligation not to allow that thing to be done.
4. Identification documents
4.1. Marshmallow may require identification documents from you prior to sending you any reward related to a referral.
4.2. Marshmallow shall not be in breach of this Agreement (nor have any obligation to pay you any reward related to a referral) if you do not (in Marshmallow’s sole and absolute discretion) provide the identification documents requested by Marshmallow.
5. Data protection
You represent and warrant to us that you have obtained the express consent from the individuals whose data you provide us with.
6. Abuse of referral system
6.1. Marshmallow has the right to refuse to pay you the Referral Reward if (in its sole and absolute discretion) Marshmallow suspects that you have not used the Referral Programme in good faith or have breached this Agreement.
6.2. We will determine, in our sole and absolute discretion, whether there has been a breach of this Agreement. When a breach of this Agreement has occurred, Marshmallow may take such action as we deem appropriate, including (but not limited to) termination of this Agreement, cancelling your insurance policy or policies, cancelling third party insurance policy or policies and suspending the Referral Programme.
7. Limitation of liability
Marshmallow accepts no liability for any use of the Referral Programme which does not comply with this Agreement.
8. Changes to the agreement
We may revise this Agreement at any time by amending this page. Continued use of the Referral Programme shall amount to acceptance of the Agreement in force at that time.
9. Changes to the referral programme
Marshmallow reserves the right to:
(a) amend, alter or change the Referral Programme at any time, without notice; and
(b) terminate the Referral Programme at any time, without notice. In the event the Referral Programme is terminated, Marshmallow will not be obliged to give any persons Referral Reward that would have otherwise qualified for it.
10. Applicable law
10.1. This Agreement and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.
10.2. Each party irrevocably agrees that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this agreement or its subject matter or formation (including non-contractual disputes or claims).
11. Contact us
If you need any support, you can contact us here.
12. Summer referral giveaway: Terms & Conditions
The standard Marshmallow Referral Terms & Conditions apply to this summer giveaway in addition to the specific terms below.
12.1. Eligibility
The summer giveaway is open to existing Marshmallow car insurance policyholders who hold an active policy at the time of entry and at the time of the draw, and no active claims and are through the checks. They should also be a resident in the United Kingdom. Employees of Marshmallow Financial Services Ltd and their immediate family members are not eligible to enter.
12.2. Entry period
The competition opens on 4 June 2026 and closes at 23:59 BST on 25 June 2026. Entries received after this time will not be eligible for the summer giveaway but may still qualify for the standard £50 Amazon voucher under the existing Refer a Friend scheme.
12.3. How to enter
To enter, a customer must refer a friend using their unique Marshmallow referral link during the entry period. Each qualifying referral counts as one entry. A referral qualifies when the referred friend's policy has been active and in good standing (no cancellation, no open claims) for 21 days from the policy inception date, in line with the standard Refer a Friend Terms & Conditions.
12.4. Prizes
Five prizes will be awarded. The total prize pool does not exceed £1,000 and each winner will get one of the below prizes at random:
- Spa day experience (Virgin Experience Days or equivalent)
- Restaurant dining experience or equivalent
- One4All gift card
Prizes are non-transferable, non-exchangeable and have no cash alternative, except at the promoter's sole discretion.
12.5. Winner selection
Winners will be selected at random from all qualifying entries on or around 25 June 2026 by an independent draw. The draw will be overseen by a Marshmallow employee not connected to the campaign.
12.6. Winner notification
Winners will be notified by email to the address held on their Marshmallow account within 5 working days of the draw. If a winner does not respond within 2 days of notification, the promoter reserves the right to select an alternative winner.
12.7. Relationship to existing Refer a Friend scheme
This summer giveaway is separate from and in addition to the standard Marshmallow Refer a Friend scheme. Qualifying referrals made during the entry period will receive both the standard £50 Amazon voucher (subject to standard Refer a Friend T&Cs at marshmallow.com/refer-a-friend) and an entry into this summer giveaway. The standard Refer a Friend T&Cs continue to apply in full.
12.8. Data
Winners' names may be published on Marshmallow's website or social media channels. Winners will be contacted separately after the draw to confirm their consent before any name is published.
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