Skip to main content

Will my insurance price go up if I make a claim?

Marshmallow policyholders who want to understand how making a claim may affect their future insurance price.

Updated over a week ago

Can a claim increase my price?

Yes, making a claim can affect your renewal price — but it depends on the type of claim and how it’s settled.


These are the main things that influence whether your price changes:

  • Who was at fault – If Marshmallow can’t recover the costs from another party, the claim is considered "fault" and may increase your premium.

  • How many claims you’ve made – One claim may have a small impact, but multiple claims usually increase your price more.

  • The type of claim – Windscreen claims and thefts are treated differently from accidents.

  • If your No Claims Discount (NCD) is protected – Even if your NCD is safe, your price can still rise based on overall risk.

  • Other risk factors – Your age, car type, location, and driving history all play a part.


What kinds of claims affect price the most?

Fault claims (where we pay and can’t recover the costs) tend to have the biggest effect. These often include:

  • Accidents where the other party can’t be identified

  • Shared liability incidents (e.g. roundabouts)

  • Damage with no third party involved


Do non-fault claims increase my price?

They might. Even if you’re not at fault, the fact that a claim occurred may still influence your renewal price. We assess overall risk, including how likely a driver is to claim again.

Did this answer your question?