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Do I need to tell Marshmallow if I don’t want to make a claim?

For Marshmallow policyholders who’ve had an incident but don’t want to claim for repairs.

Updated over 2 weeks ago

Yes, you still need to report the incident

Even if you don’t plan to claim for repairs, you must let us know within 48 hours if:

  • Another vehicle, person or property was involved.

  • You exchanged details with someone else.

  • There’s a chance they might claim against you later.

Call our 24-hour Claims line on 0800 060 8622.


What’s a notification-only claim?

This is how we log an incident without taking any action on repairs or costs.

Here’s what happens:

  • You report the details of the incident to us.

  • We don’t repair your car or process a payout.

  • The incident is logged, just in case it’s needed in future.

This protects you if someone later tries to make a claim against you—even if they said they wouldn’t.


Why reporting matters

Not reporting an incident (especially one involving others) could:

  • Affect your cover in future.

  • Make it harder for us to support you if something changes.

  • Put you at risk of breaching your policy terms.

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