If your car can be repaired
We’ll assign an approved repairer
A courtesy car may be provided (if included in your policy)
You’ll need to pay your policy excess directly to the garage when repairs are completed
If your car is written off (total loss)
We calculate the market value of your vehicle
You’ll receive a payout offer (minus excess and any outstanding premium)
Once accepted, the vehicle becomes Marshmallow’s property
Important to know
The policy isn’t automatically cancelled — you can switch to a new car within 30 days
Your direct debit must stay active until the claim is settled
Who manages your claim?
Activate Group (AGL): Handles repairs and total loss assessments
Winns Solicitors: Manages non-fault claims and excess recovery (if legal cover applies)
S&G: Follows up on third-party recovery