The short answer
Cancelling your policy does not automatically prevent you from getting car insurance again in the future. However, the reason for your cancellation and your claims or payment history with us can affect future applications, with Marshmallow or other insurers.
Types of cancellations and how they might impact you
1. Voluntary cancellation by you
If you choose to cancel your policy (for example, because you no longer own the vehicle or found alternative cover):
This is typically not a problem when applying for insurance elsewhere.
You may need to confirm the dates your policy was active and the reason for cancellation when asked by future insurers.
2. Cancellation due to non-payment
If your policy is cancelled because you missed payments:
This can negatively impact your ability to get insurance elsewhere.
Other insurers may see this as a red flag when assessing your application.
Marshmallow will also not offer cover to you again if we cancelled your policy due to missed payments.
3. Cancellation for providing incorrect information
If your policy is cancelled because you gave us incorrect details or failed to update your information:
This could be considered a form of misrepresentation.
Other insurers may require you to declare this, and it may affect your eligibility or increase your premium.
Reversing a cancellation
In some cases, if you cancel your policy and change your mind, we may be able to reverse it—but only if you contact us on the same day the cancellation was processed. After that, you would need to buy a new policy.
What to expect when applying for insurance after cancellation
When applying for insurance in the future:
You must declare any previous cancellations if asked.
Providing honest answers is crucial. Insurers may cancel your policy or reject claims if you fail to disclose required information.