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What is Marshmallow Original?

For customers considering Marshmallow's comprehensive motor insurance options, particularly those comparing different levels of cover.

Updated over a month ago

Marshmallow Original is a comprehensive car insurance policy designed to provide wide-ranging protection for drivers and their vehicles. It includes all the benefits of the Marshmallow Essential plan, with added coverage for personal belongings, glass damage, child car seats, and more.


What's included in Marshmallow Original?

Here's a summary of the key benefits and features of Marshmallow Original:

Feature

Marshmallow Original includes

Vehicle damage

Cover for accidental damage, theft, attempted theft, fire, lightning, or explosion.

Personal accident cover

Up to £5,000 for the policyholder and spouse.

Medical expenses

Up to £200 per person for non-emergency treatment.

Glass damage

Full repair/replacement through approved providers (otherwise limited to £115 per claim).

Courtesy car

Provided while your car is being repaired by an approved repairer.

Audio & communication equipment

Covers both manufacturer-fitted and aftermarket equipment (up to £500 for aftermarket).

Personal belongings

Up to £250 per claim if damaged or stolen alongside valid vehicle damage.

Child car seats

Up to £250 for replacement following an accident.

Europe Roaming Pass

90 days of minimum legal cover in the EU; upgrade available for comprehensive cover.

Vandalism and uninsured driver cover

Excess refunded and no impact to No Claims Discount if the incident qualifies.

No admin fees for mid-term adjustments

You can update your policy details at no extra charge.


Key exclusions to be aware of

Some situations and incidents are not covered. These include:

  • Damage or theft if the vehicle was not properly secured or if keys were left inside.

  • Driving under the influence of alcohol or drugs.

  • Driving a vehicle without an MOT (if required), or if the vehicle is SORN registered.

  • Using the car for purposes not declared (e.g. racing, hire and reward, or trade use).

  • Mis-fuelling (using the wrong type of fuel).


Can I use Marshmallow Original 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 Original customers


Can I make changes or cancel my policy?

  • Policy changes: Mid-term updates are free of charge (for Marshmallow Plus).

  • 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.

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