1. Just social (SDP – Social, Domestic & Pleasure)
Covers you and any named drivers for personal driving outside of work.
Examples: visiting friends, shopping, running errands, or leisure trips.
Does not include commuting or any work-related driving.
2. I drive to and from work (SDPC – Social, Domestic, Pleasure & Commuting)
Covers all social driving plus commuting to a fixed place of work.
Example: driving daily to the same office, shop, or workplace.
Included as standard on all Marshmallow car policies at no extra cost.
3. I use it for work (Business Class 1)
Covers business travel to multiple work locations.
Includes social use and commuting.
Covers you and your spouse/partner (if named on the policy) for business use.
Other named drivers are covered for social + commuting only.
What’s not covered under Business Class 1:
Courier or delivery driving.
Carrying passengers for work (e.g. taxi, private hire).
Carrying work-related tools or goods.
4. Commercial use
Marshmallow does not offer commercial cover for cars.
Commercial use includes: private hire taxis, driving instructors, couriers, or delivery drivers.
If you use your car this way without the right cover, any claim may be rejected and it could affect future insurance.