At Marshmallow, our goal is to give as many people as possible a fair deal on their car insurance. But there are times when we aren’t able to offer cover.
We know that being declined can be disappointing, and we’re really sorry if this has happened to you. We’re always working to expand who and what we can cover, so we hope we’ll be able to help you in the future.
Reasons we may not be able to cover you
There are a few common situations where we can’t provide cover right now. These include:
Your car
Cars that are very high in value (over £90,000)
Certain types of vehicles, such as those with unsupported modifications or specialist categories
Very old vehicles (typically over 25 years old)
Cars that have previously been written off in categories that can’t legally return to the road
Your details
Drivers who don’t live in the UK
Younger drivers (21 or under) or older drivers (76 and above)
Some occupations that our insurers can’t currently cover
Certain medical conditions that affect driving, where the DVLA says you must not drive
Your driving history
Drivers with some motoring convictions (like drink driving or driving uninsured)
People with multiple recent claims or a very high claims history
Drivers who have had previous policies cancelled by an insurer
Your location
Certain UK postcodes that we can’t insure right now
What if I got a quote on another website?
If you started your quote on a comparison website (like Compare the Market), you’ll need to answer a few extra questions when you come to our site. Sometimes, after this step, we find we can’t offer cover after all.
If this happens, we know it’s frustrating. Sadly, it means you won’t be able to buy a policy with us at the moment. But we really hope you find a good deal elsewhere, and we’d love you to try again with us in the future.
Looking ahead
We’re working hard to widen the types of cars, jobs, drivers, and locations we can cover. Our aim is to help as many people as possible get affordable car insurance.
If you’ve been declined this time, please don’t be discouraged—we may well be able to insure you in the future.