Marshmallow

Marshmallow, digital car and home insurer in the UK

Marshmallow is a UK-based insurance company that sells car, van and home policies, and also offers finance for vehicle purchases. The company presents itself as an alternative with competitive prices and quick sign-up, with policy and claims management through its mobile app.

Insurance products

The insurer's range includes car cover with fully comprehensive as standard, accepting driving licences issued in different countries. It also sells a specific insurance for drivers new to the UK, van insurance and a telematics product called Marshmallow Move, which requires the installation of a device in the vehicle.

In the home insurance line, the company distinguishes between cover for homeowners and renters, and includes buildings, contents and personal possessions insurance. Taking out car and home insurance together is possible: the customer can add the second policy from the app and manage both at the same time.

Vehicle finance

Marshmallow offers car finance through a network of partner dealerships. The company says it assesses applications beyond UK credit history, which allows it to approve deals that other lenders reject.

Customer profile and savings data

The company states that 79% of its car insurance customers are people new to the UK, according to data from active policies between 2018 and 2024. For this group, the website publishes average savings calculated on policies sold through Confused.com between January and June 2025: £392 for newcomers in general, £383 for customers of Indian nationality, £496 for Pakistanis, £337 for Nigerians, £353 for Ukrainians and £248 for Zimbabweans. It also mentions average savings of £217 for healthcare workers new to the UK, based on policies sold in 2024 through price comparison websites.

The company also claims that, according to a 2024 survey of 619 insured newcomers, it was the cheapest option for 83% of them. This data comes from information published by the company itself.

Service and policy management

The insurer has a 24/7 claims line and allows claims to be started from the app or by phone. Policy management, updating details and accessing documents are done through the mobile app, which also includes live chat for enquiries. The company has more than 30,000 five-star reviews, according to its own website.

Regulation and corporate structure

Marshmallow operates under two companies: Marshmallow Financial Services Limited, authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 797672, and Marshmallow Credit Services Limited, also regulated by the FCA under number 1024606. Both are registered in England and Wales, with registered office at 66 City Road, London, EC1Y 1BD.

Presence and corporate activity

The company has offices in London and Budapest, and describes itself as a growing tech company. In addition to insurance, it publishes informative guides on topics such as no claims discount, car insurance groups, the difference between buildings and contents insurance, car finance and converting foreign driving licences.

Location and contact

66 City Road, London, EC1Y 1BD