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Marshmallow: Car insurance reviews

Name: Car insurance
Rating: 1.78 (386 reviews)

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1.78

Based on 386 reviews, last reviewed 7th Oct 2026

100% decrease in 5 star reviews

in the past 90 days

117% increase in 1 star reviews

in the past 90 days

16%

80%

Latest highest rating:

4

Good experience overall > I’ve had a good experience with Marshmallow Car Insurance so far. The process was straightforward and easy to understand, and I’m happy with the ser... Read more Reviewed on: 1st October 2026

Latest lowest rating:

1

AVOID. !!!!! AVOID. I took out this policy around two and a half weeks before it was even due to start, and I was charged £25 for correcting information on a polic... Read more Reviewed on: 7th October 2026

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About this product

Marshmallow provide car and van insurance policies.

With Marshmallow, you can choose from four levels of cover: lightest, essential, original and plus. You can add extras for additional costs including breakdown cover, legal protection, excess protection and Europe roaming.

Marshmallow car insurance reviews help you find out what it’s really like to be a customer. If you’ve used Marshmallow before, you can also leave a review and share your experience.

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Marshmallow Car insurance reviews (386)

AVOID. !!!!!

AVOID. I took out this policy around two and a half weeks before it was even due to start, and I was charged £25 for correcting information on a policy that had not even started yet. Their own system indicated that this type of change should not incur a fee, yet their chat advisers told me that the charge applied. Because of these issues and the conflicting information I received, I completely lost confidence in the company and cancelled the policy. I was then charged a further £30 cancellation fee. Based on my personal experience, I would describe this as a “pseudo-insurance company”. I strongly advise others to avoid them. I will now be challenging these charges and seeking a refund of the money I believe I should not have been charged. I will also be warning others about my experience wherever I can. Avoid, avoid, avoid. Reviewed on: 7th October 2026

Good experience overall

> I’ve had a good experience with Marshmallow Car Insurance so far. The process was straightforward and easy to understand, and I’m happy with the service I’ve received. Overall, I’m satisfied with my experience and would rate it 4 out of 5. Reviewed on: 1st October 2026

Utter rubbish insurance company predatory tactics at...

Utter rubbish insurance company predatory tactics at play Reviewed on: 25th September 2026

Tried to rip me off on the Insurance Premium

Tried to double my car insurance and then took over 2 hours to respond on their 'live' chat, then tried to offer me a loyalty bonus which dtill added over 500 on previous quote, said i would not cheaper yet i found 20 less that 100 on last years quote, AVOID THESE Reviewed on: 21st September 2026

Marshmallow Insurance AVOID

Marshmallow Insurance has been an absolute nightmare to deal with. I was insured with them last year at the same address with no issues. This year, they demanded “proof of residency”, so I provided everything any normal insurance company would accept. I sent: - A bank statement - A DWP letter - My son’s driving licence - A council letter - A poll tax bill - A signed letter confirming I live with my son They rejected every single document, even though it clearly proves my address and household. They kept moving the goalposts and acting like they make their own rules. Despite giving them more evidence than any insurer has ever asked for, they cancelled my policy and are now trying to charge me £130. Completely unacceptable behaviour. Marshmallow are a law unto themselves. They ignore valid documents, treat customers with zero respect, and cancel policies for no reason. I’ve never experienced anything this ridiculous from an insurance company. Avoid Marshmallow at all costs. They waste your time, take your money, and then punish you for living with family. Shocking company. Reviewed on: 15th September 2026

SCAMMERS, they renew policies without telling you!

SCAMMERS, they renew policies without telling you!! They renew my price from £1750 to £4700, no emails, no letters, nothing!! At first they look ok, then they scam you…..STAY AWAY!!!!!! Reviewed on: 6th September 2026

ONLY CHAT NO PHONE- RIP offs stay away

ONLY CHAT NO PHONE- RIP offs stay away Only chat first AI no real person. Ask for real person in the chat and finally getting a person on the chat, passed on to another person and their supervisor decides to cancel the policy. Nobody talks on the phone and cancelled the policy due to being a street trader. Charged me £190+ for 11 days policy. Reviewed on: 28th August 2026

A non-fault accident became a nightmare

I rarely write reviews like this, but my experience with Marshmallow has left me angry, exhausted and deeply let down. I reported a non-fault accident in September 2024. At exactly the moment when I needed my insurer to provide calm, clear and practical help, I found myself trapped in an app-based system. I could not access a normal customer-service phone line where I could speak to one person who understood the whole case and was prepared to take responsibility. The only practical way to seek help was to send messages through the app and wait, often for a long time, for somebody to reply. I spent an unreasonable amount of time chasing updates, searching for information and trying to work out who was responsible. When you have just been involved in an accident, this is the last thing you need. Instead of Marshmallow taking ownership, the matter was passed from Marshmallow to Winn Solicitors, then to On Hire, and then to a repair garage. I felt like a ball being kicked from one company to another. Whenever there was a problem, I was pointed towards somebody else. Meanwhile, I was left carrying the stress, the risk and ultimately the cost. The way I was treated felt appalling and dehumanising. After the car was returned, I noticed noise from the front-left side, but I did not realise that the problem might be dangerous. During a major service in March 2026, Halfords found two missing pinch bolts in the front-left suspension and steering area. Halfords later supplied its original call recording through a subject access request. The recording states that the condition was dangerous and records the mechanic's view that whoever had carried out the earlier work appeared not to have fitted the bolts. I had been driving the car without knowing the seriousness of the risk. Thinking about what might have happened is genuinely frightening. I had to pay over £600 to make the car safe. I supplied Marshmallow with the recording, invoices and repair records and asked it to investigate its own referral and claims-handling decisions. Instead of a clear, compassionate and substantive answer, I was redirected again, while the central complaint was closed or divided without resolving the issue. I was effectively expected to do the work myself: identify the companies involved, obtain evidence, connect the different parts of the claim and repeatedly explain what had happened. This was a non-fault accident, yet I ended up feeling as though I was the problem. I paid money I could ill afford and spent many hours dealing with a fragmented system in which responsibility always seemed to be passed elsewhere. What I needed was a human being and an insurer willing to take ownership. What I received was an app, long waits and another company to contact. I have now submitted my complaint to the Financial Ombudsman Service. The outcome is pending, and I intend to pursue the matter properly through the available process to the end. This is not about spite. It is about obtaining a fair outcome, accountability and justice. No customer should be left feeling this powerless after trusting an insurer to help them following an accident. Based on my experience, I cannot recommend Marshmallow. Reviewed on: 26th August 2026

Watch out for the driving score and tag

I am with Marshmallow because they offered a good price provided I agreed to having a tag. I have been driving years, have never had an accident and consider myself to be competent. However the tag thinks otherwise and marks you down for stupid things like if you go 1 mile over speed limit, if you brake harshly (even if you had to react to something), if your passenger used your phone whilst you’re driving (apparently it can’t tell who was using phone). I used to get annoyed with slow drivers and people who drove under the limit but perhaps this is the explanation! The final frustrating is they claim to have tips on how to improve your score but they are so vague eg keep to limit, don’t brake harshly. Finally they send passive aggressive notifications for any of the above and if you disconnect your Bluetooth (as this stops the tag from working!) Reviewed on: 19th August 2026

Easily the worst insurance company I have ever dealt...

Easily the worst insurance company I have ever dealt with My experience with Marshmallow has been absolutely appalling, and I would never insure a vehicle with them again. Trying to actually speak to a human being when something goes wrong is incredibly difficult. I was left dealing with a chat system and waited more than three hours without receiving a reply. When you are dealing with something as important as car insurance, that level of customer service is simply unacceptable. What finally finished it for me was discovering that my policy had been cancelled because I had failed to update my credit card details. There was no phone call from Marshmallow to warn me that my insurance was about to be cancelled or to make sure I understood the seriousness of the situation. I was completely unaware that the policy had been cancelled. Considering the consequences of unknowingly driving without valid insurance, I find their approach extremely concerning. My experience with their pricing wasn't much better. After my first year, I obtained a renewal quote from another insurer for around half the price Marshmallow wanted to charge me. I contacted Marshmallow to cancel and, remarkably, they were suddenly able to match the other company's price without a problem. That left me wondering why I was being asked to pay so much in the first place. I bitterly regret not simply moving to the other insurer there and then. What I find particularly telling is that getting help when I was a customer was painfully slow, yet after leaving a one-star review, Marshmallow suddenly seemed capable of responding very quickly indeed. That says everything to me. Based on my experience, I felt like keeping a dissatisfied customer happy was nowhere near as important as dealing with the public criticism once it appeared online. I have now insured my vehicle with another company and I will never use Marshmallow again. Poor communication, extremely frustrating customer service, questionable renewal pricing in my experience, and seemingly no urgency until a one-star review appears. **In my book, Marshmallow is the worst company I have EVER dealt with. If you're considering them, I would strongly recommend shopping around and looking very carefully at the alternatives before committing. One star – only because zero stars isn't an option. Reviewed on: 17th August 2026

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Marshmallow: Car insurance reviews

100% decrease in 5 star reviews

117% increase in 1 star reviews

Latest highest rating:

4

Latest lowest rating:

1

About this product

Review Marshmallow: Car insurance now

Marshmallow Car insurance reviews (386)

AVOID. !!!!!

Good experience overall

Utter rubbish insurance company predatory tactics at...

Tried to rip me off on the Insurance Premium

Marshmallow Insurance AVOID

SCAMMERS, they renew policies without telling you!

ONLY CHAT NO PHONE- RIP offs stay away

A non-fault accident became a nightmare

Watch out for the driving score and tag

Easily the worst insurance company I have ever dealt...

Review Marshmallow: Car insurance now

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