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What happens if my stolen car is found?

This article is for Marshmallow policyholders whose car was stolen and has now been found.

Updated over 2 months ago

My car has been found—what next?

If the police recover your car before your claim is settled, here’s what happens:

  1. We’ll assess the condition of your car

    • E2E will be instructed to collect your vehicle and will determine if the vehicle can be repaired safely.

  2. If the car can be repaired

    • We’ll arrange repairs with our approved garage network.

    • You’ll pay any applicable excess.

  3. If the car is beyond repair

    • We’ll treat it as a total loss and offer you a payout.

    • Your payout will reflect the market value of your car minus any excess and remaining premium.


Will I still get a courtesy car?

Unfortunately, courtesy cars are not provided for theft claims unless you have the Marshmallow Plus policy with this extension included.

If you have a Marshmallow Plus policy you can contact Sparta to arrange your courtesy car either by phone on 0333 038 4200 or through their website: https://vehicle-replacement.bespokeinsurtech.com

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