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Why can't you insure me?

This article is for drivers who are wondering why Marshmallow might not be able to offer them a car insurance policy.

Updated over a week ago

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.

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