Marshmallow car insurance!

Siobhan7

Morning all!

My car insurance is up for renewal. Been with Aviva for a couple of years now but their renewal quote is a bit too much.

Did a comparison quote and Marshmallow is coming up as the cheapest by far. 

Has anyone had any negative run ins with them? Looked them up on Trustpilot and they seem decent but I want to make sure before I commit. I haven't heard about them until today.

dacouch

They are basically a Tech company venturing into the UK Insurance market.
The policy is underwritten by an Insurer registered in Gibralter, Insurers generally register in Gibralter as a) It's cheaper to do so b) Regulation is less strict than the UK c) The need to tie up less capital in liquid capital to protect themselves and policyholders

It's not that unusual for what is basically a scheme policy to be underwritten by an Insurer registered in Gibraltar although bear in mind the majority of Insurers who have gone bankrupt in the UK in recent times have been registered in places such as Gibraltar.
The chances of you experiencing any problems are low but they are higher than if you used an Insurer regulated in the UK.
I would guess looking at the amount of reviews on Trust Pilot that they push all their new customers to leave a review which tends to have the result of very good reviews as obviously you will leave a good review if you have just taken out a policy with a company who have saved you money

Siobhan7

Thank you. I have decided to go through them. I need to tighten my belt a bit and most reviews were good. Time will only tell if they are any good!

ciderboy2009

Siobhan7 said:

 Looked them up on Trustpilot and they seem decent but I want to make sure before I commit.

I wouldn't pay much attention to anything on Trustpilot.  Far too easy for businesses to delete bad reviews.

Bear in mind that Trustpilot's businees model relies on companies paying them !

Siobhan7

Meh. I have got insurance. I suppose it's going to be a case of grin and bear it for the year haha

daveyjp

Too late now, but when Aviva become expensive get a quote from GA (Aviva's online brand).

csgohan4

be careful you get what you pay for. other threads on here regarding One call as well

SaverRate

daveyjp said:

Too late now, but when Aviva become expensive get a quote from GA (Aviva's online brand).

Or Quote Me Happy who are also an online Aviva brand

RakeshShanbhag

Read This before you buy insurance from Marshmallow.

I purchased car insurance from Marshmallow purely based on the reviews on trust pilot.( even though I had few cheaper quotes).

This company only sounds good as long as you don’t have to deal with the accident claim. Once your claim process starts they are as dirty as any other low grade insurance provider.

Please remember they don’t deal with your claim process but there will be at least 12 other companies you will have to deal with.

 

I made a claim on 19th March following an accident. The claim number mentioned in Marshmallow’s certificate is some another company called RTA, they will process part and then you will be asked to called Mulsanne Insurance, eventually the claim will be again handled by a company called Key Claims and then there will be company called  AIA garage to assess the damage to your car. So if these guys do not have any slot/time to assess your car, you will be left in Limbo till then( Most of the time their diaries are full so expect at least a week to 10 days before they assess your car). In short, you will be busy calling each one of them at least 4-5 times in a day for next few days. The pain is, every time different companies will call, we will have to explain the entire accident story over and over again and this is very draining and stressful.

 

Also, there will be few legal solicitors companies affiliated to these insurance( these guys will pass all your details to them and eventually  they will chase and hunt you down for personal injury claim).

So the crux of the claim process is – Its so complex and confusing that you don’t know whom to call or ask for help or even to check the progress of your claim. Take their policy and if you claim, rest assured that you will be running around like a headless chicken and feel frustrated.

 

Even though my Marshmallow insurance says that I am eligible for a courtesy car, I was never given one. Oh yes – This is allowed only after the garage as assessed your car… until then.. walk, cycle or take local transport( in peak of pandemic )

 

3 Month after the accident-

On 15th June, I received another email from Marshmallow asking me to pay to cancel the insurance? Sounds ridiculous .. isn’t? Well.. I told them I have already paid the access of £350 which was deducted from my claim money I have received.( Even though the accident was not my fault, they still charged me the money).

On 20th June – I found out that Marshmallow held my credit card details and without my consent or approval they unlawfully charged £50 from my credit card.  ( The cowboy way !!! )..

chanz4

I went through octagon underwritten by the same people, DONT go there if you ever need to claim you pay for what you get

dacouch

RakeshShanbhag said:

Read This before you buy insurance from Marshmallow.

I purchased car insurance from Marshmallow purely based on the reviews on trust pilot.( even though I had few cheaper quotes).

This company only sounds good as long as you don’t have to deal with the accident claim. Once your claim process starts they are as dirty as any other low grade insurance provider.

Please remember they don’t deal with your claim process but there will be at least 12 other companies you will have to deal with.

 

I made a claim on 19th March following an accident. The claim number mentioned in Marshmallow’s certificate is some another company called RTA, they will process part and then you will be asked to called Mulsanne Insurance, eventually the claim will be again handled by a company called Key Claims and then there will be company called  AIA garage to assess the damage to your car. So if these guys do not have any slot/time to assess your car, you will be left in Limbo till then( Most of the time their diaries are full so expect at least a week to 10 days before they assess your car). In short, you will be busy calling each one of them at least 4-5 times in a day for next few days. The pain is, every time different companies will call, we will have to explain the entire accident story over and over again and this is very draining and stressful.

 

Also, there will be few legal solicitors companies affiliated to these insurance( these guys will pass all your details to them and eventually  they will chase and hunt you down for personal injury claim).

So the crux of the claim process is – Its so complex and confusing that you don’t know whom to call or ask for help or even to check the progress of your claim. Take their policy and if you claim, rest assured that you will be running around like a headless chicken and feel frustrated.

 

Even though my Marshmallow insurance says that I am eligible for a courtesy car, I was never given one. Oh yes – This is allowed only after the garage as assessed your car… until then.. walk, cycle or take local transport( in peak of pandemic )

 

3 Month after the accident-

On 15th June, I received another email from Marshmallow asking me to pay to cancel the insurance? Sounds ridiculous .. isn’t? Well.. I told them I have already paid the access of £350 which was deducted from my claim money I have received.( Even though the accident was not my fault, they still charged me the money).

On 20th June – I found out that Marshmallow held my credit card details and without my consent or approval they unlawfully charged £50 from my credit card.  ( The cowboy way !!! )..

Never buy anything based on Trust Pilot reviews.
Why was your policy cancelled?