M

Marshmallow

Insurtech car insurance for UK newcomers

Large Loss Handler

Full-Time
No salary listed
Senior
London, UK
HybridMonthly attendance at the London office is required.
InsuranceClaims Adjudication

About the job

Requirements
  • Strong experience managing high-value or catastrophic motor bodily injury claims with current authority of at least £250,000.
  • Deep knowledge of liability, indemnity, causation, reserving, future losses, the Ogden discount rate and complex medical issues.
  • Experience handling litigated claims and applying relevant procedures and frameworks, including CPR, PPOS and MIB technical disputes.
  • Ability to balance empathy for customers with proactive, commercial decision-making.
  • Ability to investigate complex issues thoroughly and own decisions through to settlement.
  • Ability to explain technical judgments clearly and build effective partnerships with internal and external stakeholders.
  • Willingness to share expertise, seek feedback and help shape a growing Large Loss function.
Responsibilities
  • Manage a portfolio of high-value motor claims, typically valued above £250,000, through pre- and post-litigation.
  • Investigate liability, indemnity and coverage while setting proactive, commercial and empathetic claim strategies.
  • Reserve accurately for complex injuries and future losses using available evidence and tools such as PI Calc.
  • Identify recovery opportunities, including subrogation and contribution, and ensure they are actioned by the relevant teams.
  • Collaborate with panel solicitors, reinsurers and internal teams to reduce claim lifecycles, control legal spend and pursue recovery opportunities.
  • Shape the Large Loss strategy while coaching colleagues and sharing technical knowledge across Claims.

About the company

M

Marshmallow

View
Website

Marshmallow provides car and van insurance in the UK, focusing on newcomers who have driving experience from abroad. It uses a customer-centric pricing approach that takes into account the driver’s entire driving history, including foreign experience, to offer fairer, potentially lower premiums—up to 45% cheaper than traditional UK-only pricing. The product is delivered through a user-friendly app and 24/7 claims support via live chat, with a FAQ for quick help. In addition to standard car insurance, Marshmallow also offers van insurance and transition services such as translation and guidance on UK driving laws. Revenue comes from premiums, with optional monthly payment plans. The company differentiates itself by recognizing international driving history rather than UK-only experience, aiming to ease the transition for newcomers and provide affordable coverage aligned with actual driving experience.

Company Size

501-1,000

Company Stage

Series C

Total Funding

$228M

Headquarters

London, United Kingdom

Founded

2017

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Simplify's Take

What believers are saying

  • June 2026 TransUnion and Percayso data deal improves quoting, renewal, and claims decisions.
  • Dealtrak and Carplus partnerships in 2026 widen car finance distribution to migrants.
  • Marshmallow says it has insured over one million drivers, proving product-market fit at scale.

What critics are saying

  • Admiral, Aviva, and Direct Line dominate UK motor insurance and pressure pricing daily.
  • The July 2026 Adclear partnership shows FCA Consumer Duty scrutiny now shapes every promotion.
  • If motor losses or credit performance weaken, Marshmallow's expansion into lending can destroy margins quickly.

What makes Marshmallow unique

  • Marshmallow built underwriting for newcomers, using overseas driving history since 2017.
  • It now spans motor insurance, van insurance, home insurance, and car finance in 2026.
  • The $90 million June 2026 round valued Marshmallow above $2 billion, funding expansion.

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Benefits

  • Flexible Work Hours
  • Performance Bonus
  • Mental Health Support
  • Professional Development Budget
  • Health Insurance
  • Health Savings Account/Flexible Spending Account
  • Paid Vacation

Growth & Insights and Company News

Headcount

6 month growth

2%

1 year growth

3%

2 year growth

4%
FinTech Global
Jun 25th, 2026
Marshmallow joins Percayso and TransUnion data deal.

Marshmallow joins Percayso and TransUnion data deal. June 25, 2026 Marshmallow Insurance, an auto insurance provider focused on people moving to the UK, has signed a multi-year data partnership with Percayso Inform, a behaviour analytics and risk segmentation specialist, and TransUnion, a credit analytics solutions provider. The three-year agreement, completed for an undisclosed sum, marks the first time Percayso Inform has delivered TransUnion bureau data across the insurance and auto-finance sectors through its platform. It also represents the first joint client win for Percayso Inform and TransUnion, who have separately signed an initial four-year agreement they regard as the foundation of a long-term strategic arrangement. Alongside the new deal, Marshmallow has also renewed its existing vehicle data licence with Percayso for a further three years. The arrangement combines Percayso Inform's analytics and risk segmentation capabilities with TransUnion's TrueVision credit solution. Through a single integrated platform, Marshmallow will be able to assess risk at the point of quote, renewal and claim within its insurance business, and evaluate credit suitability and affordability within its auto-finance operations. The solution is also designed to improve underwriting through richer data insights and greater consistency across customer interactions. Percayso Inform's role in the partnership is to act as a single integration layer, enabling third-party credit bureau data to flow seamlessly into insurance and auto-finance workflows. The arrangement also allows for the future adoption of additional Percayso insurance intelligence solutions. Marshmallow Insurance head of partnerships Mark Shields said: "Marshmallow chose Percayso to deliver their bureau requirements for their insurance and auto-finance based on Percayso's proven ability to deliver both rapid and accurate results, no matter how complex the requirement. "This partnership will support Marshmallow's continued growth and scaling needs across the insurance and auto-finance markets, and Percayso's role as a key data partner in that journey. The adoption of credit and Percayso insights will allow Marshmallow to provide more accessible and affordable financial products." Percayso Inform client director Chris Traill said: "This partnership represents a significant, multi-year commitment from Marshmallow, reflecting the strategic importance of Percayso's data orchestration capabilities within their business. "Percayso has demonstrated proven speed and agility in delivery, has a strong-track record in delivering complex, multi-source data solutions accurately. We also have a deep understanding of insurance and auto-finance requirements. With the increasing importance of real-time, multi-source data in underwriting and lending decisions, Percayso offers an innovative data orchestration layer that delivers faster decisions, better pricing accuracy, and improved customer experience." Enjoying the stories? Investors. The following investor(s) were tagged in this article.

Insurance Edge
Jun 25th, 2026
Marshmallow, TransUnion and Percayso Inform sign partnership agreement.

Marshmallow, TransUnion and Percayso Inform sign partnership agreement. The details on a new partnership between the three brands; Marshmallow Insurance has signed a multi-year partnership agreement with data specialist Percayso Inform and analytics solution provider TransUnion. This milestone agreement marks an extended and closer relationship between Marshmallow and Percayso Inform. Marshmallow already uses Percayso's vehicle data, but for the first time Percayso is delivering TransUnion bureau data across the insurance and auto-finance sectors for Marshmallow via the Percayso platform. The agreement with Marshmallow, which is initially on a three-year term, has been completed for an undisclosed sum. As part of this process, Marshmallow has extended its vehicle data licence with Percayso for a further three years. The partnership also marks the first joint client win for Percayso Inform and TransUnion, which have also signed an initial four-year agreement but view the contract as the start of a long-term strategic arrangement. Bringing together Percayso Inform's behaviour analytics and risk segmentation with intelligence from TransUnion's TrueVision credit solution, Marshmallow will focus on supporting under-served consumers. For its part Percayso will enable the seamless integration of third-party credit bureau data into insurance and auto-finance workflows into one platform. This will allow Marshmallow to understand risk at point of quote, renewal and claim for its insurance business and to understand credit suitability and affordability for its auto-finance business. The solution also offers enhanced underwriting through enriched data insights, improved data consistency and accuracy across customer touchpoints. The solution supports both insurance and lending use cases, demonstrating Percayso's ability to act as a single integration layer for multiple complex data sources. Furthermore, the arrangement allows for the further integration and adoption of Percayso's wider insurance intelligence solutions in due course. In addition, the strategic partnership between Percayso and TransUnion will be expanded across UK insurance markets in 2026. This signals a broader go-to-market strategy rather than a one-off client engagement for the pair. By working together, Percayso and TransUnion aim to unlock a more holistic view of risk. Mark Shields, head of partnerships at Marshmallow Insurance, said: "Marshmallow chose Percayso to deliver their bureau requirements for their insurance and auto-finance based on Percayso's proven ability to deliver both rapid and accurate results, no matter how complex the requirement. "This partnership will support Marshmallow's continued growth and scaling needs across the insurance and auto-finance markets, and Percayso's role as a key data partner in that journey." "The adoption of credit and Percayso insights will allow Marshmallow to provide more accessible and affordable financial products." Chris Traill, client director at Percayso Inform, said: "This partnership represents a significant, multi-year commitment from Marshmallow, reflecting the strategic importance of Percayso's data orchestration capabilities within their business. "Percayso has demonstrated proven speed and agility in delivery, has a strong-track record in delivering complex, multi-source data solutions accurately. We also have a deep understanding of insurance and auto-finance requirements." "With the increasing importance of real-time, multi-source data in underwriting and lending decisions, Percayso offers an innovative data orchestration layer that delivers faster decisions, better pricing accuracy, and improved customer experience." Russell Dixon, senior director, insurance, at TransUnion, said: "Percayso's approach aligns closely with TransUnion's focus on responsible growth, fair access to financial products, and helping clients make better, evidence-based decisions. "This partnership extends TransUnion's distribution and reach through Percayso's established platform, while Percayso can now access integrated market-leading credit, identity and affordability insights from TransUnion. "TransUnion and Percayso share a vision of enabling smarter risk decisions, improved customer outcomes, and innovation across insurance and lending."

Intelligent Insurer
Jun 25th, 2026
Marshmallow signs multi-year data and analytics partnership.

Marshmallow signs multi-year data and analytics partnership. Marshmallow Insurance has signed a multi-year partnership agreement with data specialist Percayso Inform and analytics solution provider TransUnion. If you don't have a login or your access has expired, you will need to purchase a subscription to gain access to this article, including all its online content. To request a FREE 2-week trial subscription, please signup. NOTE - this can take up to 48hrs to be approved. For multi-user price options, or to check if your company has an existing subscription that Intelligentinsurer can add you to for FREE, please email Adrian Tapping at [email protected] More on this story. 25 June 2026 But war cargo insurance prices stay broadly flat since deal. 25 June 2026 AI-focused acquisitions and widening valuation disputes among top 2026 risks. 25 June 2026 Appointment supports growth of newly launched specialty platform. Editor's picks. 24 June 2026 22 June 2026 16 June 2026

DealTrak
May 26th, 2026
Marshmallow Car Finance partners with Dealtrak to transform dealer finance journeys.

Marshmallow Car Finance partners with Dealtrak to transform dealer finance journeys. Marshmallow Car Finance has announced a new strategic partnership with Dealtrak, marking a significant step forward in its mission to deliver smarter, faster, and more inclusive car finance solutions across the UK. Marshmallow Car Finance is part of Marshmallow, a UK-based financial services provider known for using technology to better serve many different types of customers. Since launching in 2018, the company has grown rapidly, combining innovation with their customer-first approach. Dealtrak is a leading automotive finance platform that enables dealers to manage finance proposals, lender integrations and customer journeys through a single, intuitive system. This collaboration will see Marshmallow integrate its unique finance offering with Dealtrak's powerful digital platform, enabling dealers to effortlessly create, manage and track finance proposals within a streamlined, end-to-end system. Already serving over one million customers since launch, Marshmallow has rapidly established itself as the go-to provider for people moving to the UK. With a focus on accessibility and flexibility, Marshmallow Car Finance is designed to meet the needs of customers often overlooked by traditional lenders. Through the Dealtrak integration, dealers can now access Marshmallow's flexible lending criteria more efficiently than ever before. This includes support for customers with no UK address history, acceptance of provisional and international driving licences, and a wide range of vehicle and loan options, all delivered through a low-effort, self-serve journey. The partnership enables dealers to either operate directly through Dealtrak's platform or integrate Marshmallow into their existing systems. Finance proposals can be created and tracked in real time, while customers can complete the entire application journey independently via a unique digital link, removing friction and reducing administrative effort for dealers. With loan values ranging from £2,000 to £25,000, flexible terms of up to 60 months, and no minimum deposit required, Marshmallow's offering provides dealers with a compelling new route to serve a wider customer base. This partnership highlights both companies' commitment to innovation within the automotive finance space. By combining Marshmallow's inclusive, tech-driven lending approach with Dealtrak's robust dealer platform, the collaboration is set to unlock new opportunities for dealerships while enhancing the overall customer experience. As Marshmallow continues to expand in today's growing market, this integration represents another milestone in its journey to redefine car finance, making it more accessible, efficient and customer friendly than ever before. Dealers can get started in minutes through a fully digital onboarding process, including quick registration, e-sign agreements, and guided platform training. Once live, partners gain immediate access to Marshmallow's finance products, backed by strong customer service and a proven, scalable model. Finance subject to status and affordability checks.

PR Fire
Mar 30th, 2026
Carplus partners with Marshmallow to open up car finance for new UK residents.

Carplus partners with Marshmallow to open up car finance for new UK residents. * March 30, 2026 LONDON, UK. March 30th, 2026 - Carplus has announced that Marshmallow has joined its panel of lenders, bringing new options for people who have recently moved to the UK and are looking to access car finance. Marshmallow is a UK-based financial technology company founded in 2017. Originally known for disrupting the car insurance market for people new to the UK - by factoring in overseas driving history rather than defaulting to no-record pricing - the company has since expanded into lending, applying the same data-driven, internationally-aware approach to credit decisions. By adding Marshmallow to its lender panel, Carplus is now better equipped to serve customers whose UK credit file may not reflect their true financial profile. For those customers, this means a meaningfully better chance of securing the finance they need to get on the road. Roman Danaev, Founder of Carplus said: "Marshmallow has already changed how insurance works for this group, and we're proud to be working with them to do the same for car finance. Their mission is now ours too: making car finance accessible for people who have recently moved to the UK. This partnership marks another step in our journey to help more customers across the UK get on the road." The partnership forms part of Carplus's broader strategy to expand access across a wider range of customer circumstances. As the UK's population continues to grow through work, study and family migration, demand for flexible and fairly assessed financial products is increasing. Carplus and Marshmallow are both committed to ensuring that length of UK residency is not a barrier to financial inclusion. Got news you'd like to share with the world? PR fire is here to help you stand out! Using its simple pay-as-you-go portal, just select your targeted industry, and its team will begin custom-building your distribution.