u/viswa_veera

Hi everyone, I’m looking for some advice because I’ve received a worrying email from Marshmallow today.

I took out a Marshmallow car insurance policy on 24 July 2026. Everything I provided when getting the quote and taking out the policy was accurate to the best of my knowledge. I haven't changed any of the relevant details since taking out the policy, and I have never had an insurance policy cancelled before.

I’m on the Go Lightest plan.

Marshmallow asked me to give the app permission to track/share my driving data, and I have complied with every request they've sent me.

Today, I received an email saying they are cancelling my policy. The cover will end at 11:59pm on 26 August 2026.

The worrying part is that they say:

>

They then refer to their "Driving Data and Open Banking Data" policy wording and say they have identified a "Risk Indicator".

However, they haven't actually told me what information they believe was false or what the Risk Indicator is.

I've contacted Marshmallow asking them to explain.

I've not cancelled the policy myself, because their email says if I cancel it myself before 26 August, there's a £75 cancellation fee and I wouldn't need to declare that cancellation to future insurers. If Marshmallow cancels it, I understand the situation may be different when applying for future insurance.

My main questions are:

1. Has anyone experienced this with Marshmallow, particularly the "Risk Indicator" wording?

2. What could a Risk Indicator from driving data actually mean?

3. Should I make a formal complaint now, or wait for Marshmallow to explain the reason first?

4. Should I start looking for alternative insurance immediately, or wait to see whether Marshmallow reverses the decision?

I'm particularly concerned about how this cancellation could affect future insurance applications if I haven't actually provided any false information.

Any advice or similar experiences would be really appreciated.

Hi everyone, I’m looking for some advice because I’ve received a worrying email from Marshmallow today.

I took out a Marshmallow car insurance policy on 24 July 2026. Everything I provided when getting the quote and taking out the policy was accurate to the best of my knowledge. I haven't changed any of the relevant details since taking out the policy, and I have never had an insurance policy cancelled before.

I’m on the Go Lightest plan.

Marshmallow asked me to give the app permission to track/share my driving data, and I have complied with every request they've sent me.

Today, I received an email saying they are cancelling my policy. The cover will end at 11:59pm on 26 August 2026.

The worrying part is that they say:

>

They then refer to their "Driving Data and Open Banking Data" policy wording and say they have identified a "Risk Indicator".

However, they haven't actually told me what information they believe was false or what the Risk Indicator is.

I've contacted Marshmallow asking them to explain.

I've not cancelled the policy myself, because their email says if I cancel it myself before 26 August, there's a £75 cancellation fee and I wouldn't need to declare that cancellation to future insurers. If Marshmallow cancels it, I understand the situation may be different when applying for future insurance.

My main questions are:

1. Has anyone experienced this with Marshmallow, particularly the "Risk Indicator" wording?

2. What could a Risk Indicator from driving data actually mean?

3. Should I make a formal complaint now, or wait for Marshmallow to explain the reason first?

4. Should I start looking for alternative insurance immediately, or wait to see whether Marshmallow reverses the decision?

I'm particularly concerned about how this cancellation could affect future insurance applications if I haven't actually provided any false information.

Any advice or similar experiences would be really appreciated.