Marshmallow car insurance

Marshmallow was founded in 2018 and has quickly grown in the years following. It's mission is to provide more inclusive car insurance by using international data to calculate their premiums. So if you've got driving experience from another country, they'll still count it.

We compare up to 163 insurers, including quotes from Marshmallow. When you compare quotes with us, we match your requirements against the insurer's criteria, to see if they'll offer you a quote. This means you may or may not get a quote from Marshmallow.

You can find out more about Marshmallow below, or if you're ready to start comparing just click on the quote button.

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What Marshmallow customers say


4.5 green stars

4.5 rating based on 17263 reviews
as of 28/06/2023

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Why choose Marshmallow car insurance?

  • Marshmallow's app lets you manage your policy and documents, make a claim and speak to their team
  • Competitive quotes for migrants, ex-pats and younger drivers
  • 24/7 claims telephone line and regular updates on your claims through their app

Who is Marshmallow?

Marshmallow is a young, software-based company part-founded in 2018 by two identical twins aiming to be a force for good. They say their mission is all about fairness, speed and inclusivity with a particular focus on reducing prices for overseas clients using new pricing technologies.

The two co-founding siblings, Oliver and Alexander Kent-Braham, say bespoke algorithms and other formulae price overseas driver policies. When pricing a quote the UK insurance industry relies on tried-and-tested driver UK records and history. Instead, Marshmallow also pulls in international data for a fuller and fairer picture.

Marshmallow’s business focus has now shifted to all UK nationals at risk of being over-charged for car insurance, particularly younger drivers and those with an inconsistent driving history or low credit score.

Marshmallow has grown quickly and by the end of 2022 it was valued at over £1.01 billion, having sold over 100,000 policies.

All Marshmallow policies are handled via the web or their app. Customers can manage and make changes to their insurance themselves, free of charge, without having to phone their insurer.

Marshmallow's live chat team available 7 days a week to answer your questions.

Marshmallow policy details

Marshmallow only offer comprehensive cover, so you won't be able to get just third party, fire and theft from them.

Their comprehensive policy includes:

  • Accidental damage cover, which also covers vandalism. So if there’s neighbourhood trouble and your car’s singled out, you’re got protection.
  • Fire and theft including protection against fire, lightening and explosions.
  • European travel cover for up to 90 days - Third party cover only
  • A courtesy car should your car be off the road. Like most insurers this is subject to availability and you'll have to use one of Marshmallows approved repairers.
  • Windscreen damage to cover crack repairs and full replacements. Note you’ll still need to pay an excess.
  • Personal injury cover covers up to £5,000 towards any injury costs to another driver and their passengers if an accident’s your fault.

Provider optional extras

Marshmallow offers a range of policy add-ons, allowing you to customise your cover and ensure it does exactly what you need it to.

For an extra fee, you can add the following to your standard car insurance policy:

  • Breakdown cover provided by the AA with the choice of roadside assistance or UK-wide recovery.
  • Motor Legal Protection covers legal costs to settle disputes and help you appeal motoring convictions
  • Courtesy car upgrade to guarantee you a replacement car and provide a car if yours is stolen or written off
  • NCD Protection allows you to make up to 2 claims without affecting your No Claims Discount
  • Excess Protection means your excess will be fully refunding if you make a claim
  • Europe Roaming Pass upgrade increases your cover to comprehensive for up to 90 days in Europe
  • Driving other cars provides third party only cover for you to drive other people's cars

Contact Marshmallow

Marshmallow don't have a general customer care telephone number, but a live chat team are available 7 days a week on their website or through their app to answer your questions.

Their claim line is open 24/7 at 0800 060 8849.

Marshmallow is authorised and regulated by the Financial Conduct Authority (firm reference no. 797672). Their registered address is:

66 City Road,

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Page last reviewed: 05/06/2023

Reviewed by: Louise Thomas