At Marshmallow, we offer four fully comprehensive car insurance plans:
Marshmallow Lightest – our most affordable option with essential cover.
Marshmallow Essential – includes everything in Lightest, plus extra protection such as uninsured driver and vandalism cover.
Marshmallow Original – builds on Essential with further benefits like windscreen cover, personal items, and medical expenses.
Marshmallow Plus – our most complete plan with additional bundled add-ons, such as Motor Legal Protection and Breakdown Cover.
Which plan changes are possible?
You can switch between Lightest, Essential, and Original plans mid-policy or at renewal.
From Lightest or Essential → Original (upgrade to gain more cover)
From Original → Essential or Lightest (downgrade to a simpler plan)
From Lightest ↔ Essential (move between these two)
Important: Changes to or from Marshmallow Plus are not available. If you’re already on Plus, you’ll need to wait until your renewal date to consider other options.
How can I change my plan?
Check your current plan
Within the your Marshmallow app see which plan you’re on.
Contact our team
Plan changes can’t be made directly in the app and so if you’d like to switch, please speak with our customer support team.
Understand how pricing works
There are no admin fees for changing plans on Marshmallow Original or Plus policies.
For Lightest and Essential, some changes may include a £25 adjustment fee.
If your premium increases or decreases after switching plans, your monthly payments will update accordingly.
When is the best time to make a change?
Mid-term adjustments (MTAs): You can move between Lightest, Essential, and Original at any point during your policy term.
Renewal window: In the 14 days before your renewal, you’ll also be able to compare plans and select a new one for the next year.