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How to provide No Claims Discount proof
A step-by-step guide to proving your claims-free driving history. We don’t mind what country it’s from – find the documents we accept and upload it on the app.
Expat car insurance - save £392*
Moved to the UK? With us you could save an average of £392 on your car insurance*
- Licences from all countries covered
- Fair prices that consider your driving history from abroad
- Choose to pay monthly or in one go
TrustPilot
Rated great
App Store
Rated 4.8 stars
FCA
Regulated
Marshmallow
1m policies sold
TrustPilot
Rated great
App Store
Rated 4.8 stars
FCA
Regulated
Marshmallow
1m policies sold
Why choose Marshmallow?
Get help when you need it most
- Call our claims team 24/7 if you’re in an accident
- Log a claim in the app or start a live chat anytime
You can save an average of £392*
- Instant experience-based discounts on all the years you’ve been driving, in the UK and abroad.
- Extra discounts for a proven record of claim-free driving.
Fully comprehensive as standard
- Protection for you and your car for complete peace of mind
- Spread the cost with monthly instalments
Moved to the UK?
We make car insurance one less thing to worry about.
People who move to the UK used to pay more for their car insurance than their UK-born friends. Why? Because most insurers only care about the driving experience you gain after you move here.
Then came Marshmallow!
We consider all your driving history when we give you a quote, wherever in the world you lived before.
That means we can give you the same experience-based discounts as everyone else. So you can spend more on the things that matter.
35,242 "5 star" reviews
Who can apply?
See if you're eligible for our car insurance
- UK residents. A resident is defined as someone who lives here, or who has moved here and intends to live here permanently (at least 183 days a year).
- Licences from all countries are covered for 12 months. You may need to exchange your licence to a UK one after that. You can check here.
- Full UK licences (for people aged 21-75).
- Provisional licences (subject to some restrictions).
Manage from anywhere with our app
- Change your details from anywhere in a few taps
- Find all your documents in one place
- Get help fast on Live Chat
Choose a plan to suit you
We have a range of features designed for people who have moved to the UK. Pick the right plan for your needs and add any extras.
Lightest
- Fully Comprehensive
- Included
- Personal injury cover
- Up to £2k
- Cover to drive in Europe
- 30 days
- Uninsured driver promise
- Not included
- Courtesy Car (repairs)
- Not included
- Windscreen Protection
- Not included
- Onward travel after an accident
- Not included
- Driving Other Cars (Third-party only)
- Not included
- Courtesy Car (theft and total loss)
- Not included
- Motor Legal Protection
- Not included
- Breakdown Cover
- Not included
Essential
- Fully Comprehensive
- Included
- Personal injury cover
- Up to £5k
- Cover to drive in Europe
- 90 days
- Uninsured driver promise
- Included
- Courtesy Car (repairs)
- Included
- Windscreen Protection
- Not included
- Onward travel after an accident
- Not included
- Driving Other Cars (Third-party only)
- Not included
- Courtesy Car (theft and total loss)
- Not included
- Motor Legal Protection
- Not included
- Breakdown Cover
- Not included
Original
- Fully Comprehensive
- Included
- Personal injury cover
- Up to £5k
- Cover to drive in Europe
- 90 days
- Uninsured driver promise
- Included
- Courtesy Car (repairs)
- Included
- Windscreen Protection
- Included
- Onward travel after an accident
- Included
- Driving Other Cars (Third-party only)
- Not included
- Courtesy Car (theft and total loss)
- Not included
- Motor Legal Protection
- Not included
- Breakdown Cover
- Not included
Plus
- Fully Comprehensive
- Included
- Personal injury cover
- Up to £25k
- Cover to drive in Europe
- 90 days
- Uninsured driver promise
- Included
- Courtesy Car (repairs)
- Included
- Windscreen Protection
- Included
- Onward travel after an accident
- Included
- Driving Other Cars (Third-party only)
- Included
- Courtesy Car (theft and total loss)
- Included
- Motor Legal Protection
- Included
- Breakdown Cover
- Included
| Lightest | Essential | Original | Plus | |
|---|---|---|---|---|
| Fully Comprehensive | Included | Included | Included | Included |
| Personal injury cover | Up to £2k | Up to £5k | Up to £5k | Up to £25k |
| Cover to drive in Europe | 30 days | 90 days | 90 days | 90 days |
| Uninsured driver promise | Not included | Included | Included | Included |
| Courtesy Car (repairs) | Not included | Included | Included | Included |
| Windscreen Protection | Not included | Not included | Included | Included |
| Onward travel after an accident | Not included | Not included | Included | Included |
| Driving Other Cars (Third-party only) | Not included | Not included | Not included | Included |
| Courtesy Car (theft and total loss) | Not included | Not included | Not included | Included |
| Motor Legal Protection | Not included | Not included | Not included | Included |
| Breakdown Cover | Not included | Not included | Not included | Included |
Add your extras
Missed something in your plan? Build the cover you want with any of our optional extras.
Breakdown cover
Get help fast if your car breaks down. Cover provided by The AA.
Motor Legal Protection
Covers legal costs required to settle disputes or appeal motoring convictions.
Courtesy Car upgrade
Gives you a Courtesy Car if your car is stolen or written off.
No Claims Discount Protection
Keep your No Claims Discount if you make up to 2 claims.
Excess Protection
Get your excess refunded, meaning you pay nothing if you need to make a claim.
Windscreen Protection
Protect your windscreen if it gets chipped, cracked or broken.
Add your extras
Missed something in your plan? Build the cover you want with any of our optional extras.
Breakdown cover
Get help fast if your car breaks down. Cover provided by The AA.
Motor Legal Protection
Covers legal costs required to settle disputes or appeal motoring convictions.
Courtesy Car upgrade
Gives you a Courtesy Car if your car is stolen or written off.
No Claims Discount Protection
Keep your No Claims Discount if you make up to 2 claims.
Excess Protection
Get your excess refunded, meaning you pay nothing if you need to make a claim.
Windscreen Protection
Protect your windscreen if it gets chipped, cracked or broken.
Learn more about driving in the UK
What car insurance documents do you need to get UK cover?
Take the stress out of signing up for UK car insurance by finding out what documents you need to get cover.
How to exchange an international driving licence for a British one
How and when to exchange an international drivers licence for a British one. Don't miss out!
Answers to important questions
We define a UK resident as anyone who spends, or intends to spend, at least 183 days a year in the UK and has a permanent address here. We only offer insurance to UK residents.
Am I a UK resident?
You are still considered a UK resident if you are:
- new to the UK (and spend, or intend to spend, 183 days or more in the UK)
- on a spouse visa (and spend, or intend to spend, 183 days or more in the UK)
You must have, or be in the process of getting, a permanent address in the UK with the intention of settling here so that we can insure you.
Remember, being a UK resident is not the same as being a UK citizen. You do not need to be a UK citizen to get insurance with us.
Insurance works differently in every country.
The most important thing to know about car insurance in the UK is that it is a legal requirement. If you own a car, you need to get it insured - whether you’re driving it or not.
Important things to remember
- Car insurance is a legal requirement in the UK.
- In the UK you insure the driver, not the car. So if you want anyone else to drive your car, you either need to add them as an additional driver on your policy, or make sure they have their own insurance to drive it (for example, temporary insurance).
- Fully Comprehensive cover is the only level of cover in the UK that covers damage to you and your car as well as damage to others.
- Third-party cover is the minimum legal requirement in the UK. This covers injury and damage to others, but not to you. So if you’re hurt or your car is damaged, you would need to pay all the costs yourself. We do not offer third-party cover.
- If you have an accident that is deemed to be your fault, you will need to contribute a small amount to your claim. This sum is called an excess. You will be told what your excess is when you get your quote, before you pay.
We can cover any licence for up to 12 months, no matter where it’s from. After that, you may need to exchange your licence for a UK one to keep your policy valid. You can find that out here.
Not yet, but we are working on it.
We always do our best to be as clear as possible. But we know things are still easier in our own language.
If you’re on our website, you can try using your web browser’s translator.
- Right-click anywhere on the screen
- You should see an option to translate into your preferred language
We can’t promise it will be any good, but might be worth a try!
No Claims Discount (NCD) is the UK system for rewarding drivers who have not made a claim. This works by giving a discount for every year they drive without making one.
Don’t have any driving experience in the UK yet? No problem! We can accept proof of claim-free driving from any insurer in any country - no translation needed. We’ll add this to your NCD straight away, so you get the same discount as everyone else.
You’ll earn 1 year of NCD for every year you drive without making a claim. So if you don’t make a claim for 3 years, you’ll get a 3-year discount on the basic cost of your insurance.
That can be up to 40% off!
If you make a claim on your insurance at any point, you may lose part or all of your discount - depending on how many years of NCD you have at the time.
All our policies are Fully Comprehensive, which covers damage and injury to you or your car as well as damage and injury to others. That includes damage from fire, theft, attempted theft and vandalism.
The minimum legal requirement for car insurance in the UK is Third-party Only cover. This covers injury and damage to others, but not to you. So if you’re hurt or your car is damaged, you would need to pay all the costs yourself.
We do not offer Third-party Only cover.
When you buy direct, you’ll usually choose from four plans. Marshmallow Lightest is the cheapest plan – offering basic Fully Comprehensive cover. Marshmallow Essential covers the needs of most customers, while Marshmallow Original includes more extras – like windscreen protection, personal belongings cover and free updates to your policy. Finally, Marshmallow Plus is loaded with added extras like basic breakdown cover, legal protection, and third-party cover to drive other cars.
*Based on internal data for 4304 policies sold via Confused.com from January 2025 to June 2025 to those of UK newcomers living in the UK less than 3 years. The average difference between Marshmallow’s price and the second cheapest price was £392.
Drivers from outside the EU/EEA will need to switch to a UK licence 12 months after becoming a UK resident, or drive on a provisional licence with the same rules as learner drivers. You can find out more here.
UK newcomers save an average of £392: Based on internal data for 4304 policies sold via Confused.com from January 2025 to June 2025 to UK newcomers living in the UK less than 3 years. The average difference between Marshmallow’s price and the second cheapest price was £392.
Newcomers from India save an average of £383: Based on internal data for 940 policies sold via Confused.com from January 2025 to June 2025 to those of Indian nationality living in the UK less than 3 years. The average difference between Marshmallow’s price and the second cheapest price was £383.
Newcomers from Pakistan save an average of £496: Based on internal data for 888 policies sold via Confused.com from January 2025 to June 2025 to those of Pakistani nationality living in the UK less than 3 years. The average difference between Marshmallow’s price and the second cheapest price was £496.
Newcomers from Nigeria save an average of £337: Based on internal data for 370 policies sold via Confused.com from January 2025 to June 2025 to those of Nigerian nationality living in the UK less than 3 years. The average difference between Marshmallow’s price and the second cheapest price was £337.
Newcomers from Ukraine save an average of £353: Based on internal data for 121 policies sold via Confused.com from January 2025 to June 2025 to those of Ukrainian nationality living in the UK less than 3 years. The average difference between Marshmallow’s price and the second cheapest price was £353.
*Newcomers from Zimbabwe save an average of £248: Based on internal data for 224 policies sold via Confused.com from January 2025 to June 2025 to those of Zimbabwean nationality living in the UK less than 3 years. The average difference between Marshmallow’s price and the second cheapest price was £248.
Healthcare workers new to the UK save an average of £217: Based on internal data for insurance policies sold via Price Comparison Websites in 2024 for healthcare workers living in the UK less than 5 years. The average difference between Marshmallow’s price and the second cheapest price was £217.
Marshmallow was the cheapest for 83% of our UK newcomers: Based on a 2024 survey of 619 Marshmallow policyholders who are new to the UK.
79% of Marshmallow customers are new to the UK: Based on data from all active Marshmallow car insurance policyholders from 2018 - 2024.