Do Marshmallow policies cover delivery driving?
No. Our policies do not cover commercial use. This means you cannot use your vehicle for:
Food deliveries (e.g. takeaways, groceries, meal services)
Parcel deliveries
Leaflet drops or courier services
Any other work-related deliveries
What cover does Marshmallow offer instead?
We provide cover for personal and commuting use only:
SDP (Social, Domestic & Pleasure) – for everyday personal driving.
SDPC (Social, Domestic, Pleasure & Commuting) – includes commuting to a single workplace.
Business Class 1 (BC1) – allows commuting to multiple workplaces (cars only).
Carriage of Own Goods (COOG) – for van drivers carrying their own work-related tools or equipment.
These options do not cover deliveries or any type of commercial driving.
What if I want to start working as a delivery driver?
If you plan to use your vehicle for deliveries, you will need to:
Cancel your Marshmallow policy
Cancelling within 14 days: £30 admin fee
Cancelling after 14 days: cancellation fee of up to £125, depending on your plan
Take out a commercial insurance policy with another provider that includes delivery cover (sometimes called hire & reward insurance).
Can I keep my Marshmallow policy if I don’t drive for deliveries?
Yes — you can keep your policy active as long as:
You are not working as a delivery driver or taxi driver in any capacity
You are not using your vehicle for commercial purposes
Why does this matter?
Driving for deliveries without the correct cover means:
Any claim made would not be paid
You may be driving uninsured, which is against the law