Letting someone else drive your car can be convenient, but if they’re not correctly insured, it could lead to serious problems.
Who is allowed to drive your car?
Only the people named on your Certificate of Motor Insurance are legally allowed to drive your car under your Marshmallow policy.
Common misconceptions:
“They’re fully comp on their own policy, so they’re covered.” Not always—most policies don’t include cover to drive other cars unless specifically stated.
“They’re just borrowing it quickly, so it’s fine.” No matter how short the drive, they need to be insured.
What is fronting?
Fronting is when someone (often a parent) lists themselves as the main driver to reduce costs, even though someone else (often a younger driver) is the one using the car most of the time. It’s a form of insurance fraud.
Why is it risky?
Fronting is illegal and can lead to your policy being voided
Claims could be rejected
It can lead to criminal prosecution in severe cases
What should you do?
If someone else needs to drive your car regularly, make sure they’re added as a named driver. You can do this easily via your Marshmallow app.
For one-off situations, they should arrange their own temporary insurance before driving your vehicle.
When in doubt, contact us—we’re here to help you stay on the right side of the law and fully covered.