I was with them for a couple of years as they were cheap. I called them up to ask what would happen if I made a claim and what my excess was, but made it very clear NOT to make a claim. They ended up using this call as me making a claim and my premium went up for the next year?! I had to pay a further £200 on renewal for an accident that never happened. I contacted the financial ombudsman service and despite marshmallow admitting and showing them the recording of me saying I didn’t want to make a claim, they couldn’t do anything because the company is registered in Gibraltar… Please do not go with this company. Stick with a UK registered company. They are a scam. This is clearly why they can advertise so cheap because they’re dodging all their taxes.