Where to find the MultiCar Endorsement?
You can find your MultiCar Endorsement via the app or our website. Depending on your device, you can download the app using one of the links below:
Once you are in the app:
From the home screen, tap on a policy in the MultiCar Group
Scroll down to tap Policy Documents
Click on Multi Car Endorsement
What is the MultiCar Endorsement?
It is an endorsement to your Marshmallow policy, supplementing your Policy Wording, Certificate, Schedule, and Statement of Fact.
It applies when you insure multiple vehicles under a MultiCar policy, typically within the same family or household.
Section 1: Definitions
MultiCar policy: A grouping of policies that qualify for a MultiCar discount.
Account Holder: One designated policyholder responsible for managing and paying for the entire MultiCar policy.
Policy: Each insured vehicle has its own standalone policy.
MultiCar discount: A discount offered for insuring multiple vehicles together.
Immediate family member: Parent, child, sibling, or spouse (including a cohabiting partner) of the Account Holder.
Section 2: Your MultiCar Account
Combines individual vehicle policies under one renewal date.
Each vehicle has its own documentation and earns its own No Claims Discount (NCD).
All policies must follow the terms in the general Policy Wording.
Managed by one Account Holder.
Section 3: Role of the Account Holder
Responsibilities:
Paying premiums for all policies.
Making policy adjustments and keeping info up to date.
Cooperating with information/claim requests.
If You're the Account Holder:
Must act within 7 days of any change in a policyholder's circumstances.
Responsible for policy updates and monthly payments.
Must notify Marshmallow if you're unable to fulfill these duties.
If You’re Not the Account Holder:
You consent to the Account Holder managing and updating your personal data.
You're still responsible for validating your policy documents and cooperating during claims or checks.
Section 4: Requirements
All policies must:
Be paid from the same bank account (belonging to the Account Holder), AND
Either live at the same address OR be immediate family.
These criteria must be maintained throughout the policy to keep the discount.
Section 5: No Claims Discount (NCD)
Different policyholders: Claims only affect the NCD of the specific policy involved.
Same policyholder: NCD may be mirrored across policies, but if one has a claim, all mirrored NCDs can be stepped back based on your policy terms.