What are the signs?
You might suspect the other driver is uninsured or drunk if:
They refuse to share insurance details
They appear confused, aggressive, or impaired
They attempt to leave quickly
Their vehicle has no number plate or MOT disc (if visible)
What should I do at the scene?
Call 999 immediately if someone appears to be under the influence or if there’s a risk to safety.
Call 101 if it’s not an emergency but you suspect illegal driving (e.g. no insurance).
Take note of:
Their registration number
Make/model of their vehicle
Time and location
Their behaviour and any comments made
Do not confront them – Your safety comes first.
Ask witnesses for contact details if possible.
What information should I give Marshmallow?
That you suspect the other driver was uninsured or under the influence
The crime reference number from the police
Any photos or witness statements
Report your claim within 48 hours by calling 0800 060 8622.
What happens next?
We’ll investigate your claim. If it’s found that the other driver was uninsured and you were not at fault:
Your No Claims Discount will not be affected
We’ll refund your excess
If the other driver is later found to be under the influence, this won’t affect your claim — as long as you reported everything to us as soon as possible
You don’t need to worry — we’ll guide you through everything.
Important: This protection is not included with the Marshmallow Lightest plan. If you're on this plan, you will not be eligible for a refund of your excess or No Claims Discount protection in the event of an uninsured driver claim.