For every driver, car insurance has two sides, buying experience and the unfortunate side of having to make a claim. I rated marshmallow 5 star soon after buying my car insurance like many drivers have done but then in January 2022 I had to put in a no fault claim because someone rammed into me head-on on a farm road and both cars were written off! Both cars had all front airbags deployed and the other driver sent his apologies through his wife for causing the accident because he was clearly on the wrong side of the road. The police told me as well that the other driver accepted liability. In bad accidents like mine, you are likely to rely on the police to recover the car to a local garage because you find yourself surrounded by paramedics trying to give you the best care you need and being rushed off to hospital. This is where you are likely to run into difficulties getting what marshmallow promised in your package. I was badly injured but was ready to drive in less than 7days but there was no courtesy car as stated on my policy. Their reason for refusing me a courtesy car was that, the local recovery the police used means it will take some time for your smashed car to get to their APPROVED GARAGE and until that happens you simply don't get a courtesy car! When that condition was eventually satisfied, I was referred to the third party insurer for a courtesy car! For a no fault collision with final police report in hand in less than 3months, marshmallow continued to hold my excess of £550 for almost 10 months for reasons best known to them. You'll need to find an insurer with proven reviews on how helpful they can be to drivers when needed not just a lower quote!