Marshmallow Plus is our most comprehensive motor insurance plan. It offers all the cover from our other plans—Lightest, Essential, and Original—plus valuable add-ons bundled in, giving you extra peace of mind on the road.
What does Marshmallow Plus cover?
Marshmallow Plus is a comprehensive policy. This means it covers:
What’s covered | Details |
Accidental damage | Covers repairs for damage to your car from accidents |
Theft or attempted theft | Protection if your car is stolen or someone tries to steal it |
Fire damage | Covers fire-related damage to your vehicle |
Malicious damage or vandalism | Includes damage caused deliberately by others |
Personal accident cover | Up to £25,000 for injuries resulting from an accident |
Medical expenses | Up to £200 per person injured while in the insured vehicle |
Glass repair/replacement | Unlimited cover if you use our approved repair network |
Personal belongings | Up to £250 for items damaged or stolen from your vehicle |
Audio and communications equipment | Covered if the equipment was fitted by the manufacturer |
Third-party liability | Covers injury to others and damage to their property in an accident |
What’s included with Marshmallow Plus that isn’t in other plans?
Marshmallow Plus includes several bundled add-ons:
Add-on | Description |
Driving Other Cars | Third-party cover when driving someone else’s car in exceptional circumstances |
Breakdown Cover | Provided by the AA to assist if your car breaks down |
Motor Legal Protection | Provided by Lawshield or Winns, to help with legal costs after an accident |
Courtesy Car Upgrade | A courtesy car provided even in cases of theft or total loss (not just repairs) |
Are there any exclusions or limits?
Yes, here are some of the key exclusions and restrictions:
No cover if:
You leave keys inside the car and it’s stolen
You drive under the influence of alcohol or drugs
You use the wrong fuel (mis-fuelling)
The car is SORN registered or lacks a valid MOT (if required)
You engage in racing or track driving
Policy excess applies to claims. The amount will be listed in your Policy Schedule.
Glass repairs done outside our approved network are limited to £115–£150.
Can I use Marshmallow Plus in Europe?
Yes, you are covered to drive in countries within the EU and other countries following Directive 2009/103/EC. However:
The standard cover is third-party only
You can upgrade to full comprehensive cover by speaking with our customer support team
Driving abroad is limited to 90 days per policy year for Plus customers
Can I make changes or cancel my policy?
Policy changes: Mid-term updates are free of charge (for Marshmallow Original).
Cancellations: You’ll be charged a £30 fee if you cancel within 14 days. Additional cancellation fees may apply after this period—check your Policy Wording for details.