When adding or changing a vehicle on your Marshmallow policy, you must have insurable interest—meaning you would suffer financial loss if the car were damaged or stolen.
Accepted ownership and keeper combinations
We accept the following legal owner and registered keeper combinations, as long as you have insurable interest:
Legal Owner | Registered Keeper | Conditions |
You (policyholder) | You | Most common and fully accepted |
Your partner or spouse | You or them | Must live at the same address |
Parent | You or them | Only accepted if you live at the same address |
Vehicle leasing or finance company | You | Lease must be 12+ months |
Company you own | You or the company | Company must be owned by you or your partner/spouse |
Employer | You or employer | Only if employer is from an accepted industry |
Combinations we do not accept
We can’t insure you on a car if:
The car is owned or kept by a friend, flatmate, or sibling who lives at a different address
You are not the registered keeper and have no insurable interest
The vehicle is owned by a company that is not yours
Why ownership matters
Even if you’re paying for the car or driving it daily, we can only offer cover if you have a valid ownership setup.
We may ask for documents to confirm ownership, such as:
V5C logbook (showing the registered keeper)
New Keeper Slip (for recently bought vehicles)
Proof of purchase or sale
If you’re unsure whether your ownership is acceptable, contact our support team before making the change.