No driving discount: 
Terms & Conditions

The policyholder may request to temporarily reduce their cover, in accordance with the terms and conditions set out by this document and, in return, will receive a discount of 50% of the net premium for the period in which they are not driving 30 days after the no driving period is finished.

The cover may be reduced to be eligible for the no-driving discount for a minimum period of 30 days to a maximum period of 90 days. The commencement date of this reduced cover period must be determined, and an odometer reading photo provided, before the reduced cover period can begin. This period must end more than 14 days before the renewal date and must not overlap into a new policy term. 

During the no-driving discount period 

During the period of reduced cover, the vehicle must remain at the home address listed on the policy and the policyholder must continue to adhere to all policy terms set out in the General Conditions and General Exclusions sections of the Policy Wording. 

Cover will be reduced during this period to cover any loss which arises from the insured vehicle not being driven. During this period, we will continue to cover the insured vehicle against loss of or damage to the insured vehicle (less any excess that applies) in respect of:

• Theft or attempted theft
• Vandalism or malicious damage 
• Fire, lightning, explosion
• Any accident while the vehicle is parked at the home address and the engine is not running

During this period, the vehicle will continue to be shown as insured on the Motor Insurance Database, and the Motor Insurance Certificate will remain valid. If the policyholder wishes to begin driving again at any time, they may, however this will immediately revoke their entitlement to the no-driving discount. 

A policyholder may only reduce their cover entitling them to this discount once in a policy term. 

Getting the discount

The policyholder will be eligible for the discount if:

• The period of reduced cover has ceased and at least 30 days have passed
• The insured vehicle has not been driven during the period of no-drivingsome text
  • An odometer reading (and supporting image with metadata) must be provided on the first and final day of the agreed period and these must be verified by us, with no more than 1 mile difference between the two readings
• No losses have occurred in the period of reduced cover, irrespective of fault

The policyholder will NOT be eligible for any discount if the above circumstances have not been met. 

If a claim is made during the no-driving period, the policyholder will owe their full premium and no discount will be applied. 

In the event of any falsified odometer readings or any false statement made to induce Marshmallow into providing a discount, the policy will be treated in accordance with the Fraud section (found in Section 14) of the Policy Wording. If any discount has been paid and it is subsequently proven that the vehicle was being driven during the no-driving period, the discount must be repaid to Marshmallow before the claim can be settled. 

Cancellation

If the policyholder opts to cancel their policy mid-term, they will not receive a pro-rata refund as well as the no-driving discount. The no-driving discount applies to full annual policies. 

• In the event of a policyholder cancelling their policy during the reduced cover period, where there has been no claim during the period of insurance, the policyholder will receive a standard pro-rata refund minus any applicable cancellation fee with no additional refund provided for the no-driving discount.
• In the event of a policyholder cancelling their policy after the no-driving discount period, and where the discount has already been provided, the no-driving discount will be deducted from the pro-rata refund along with any applicable cancellation fee. Hence, the policyholder will not receive more than one refund for the same period of unused premium. 
• In the event of a policyholder cancelling their policy mid-term where there has been a claim during the period of insurance, there will be no refund applicable as per the Policy Wording.

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