aid: marshmallow
url: https://raw.githubusercontent.com/api-evangelist/marshmallow/refs/heads/main/apis.yml
name: Marshmallow
kind: company
description: >-
  Marshmallow is a London-headquartered UK insurtech founded in 2017 by twins
  Alexander and Oliver Kent-Braham with engineer David Goate, built around a
  single underserved segment: people who have recently moved to the United
  Kingdom. Traditional UK motor underwriters ignore overseas driving history and
  price newcomers punitively, so Marshmallow built its own pricing, fraud and
  underwriting models that consume global rather than only national driving data.
  It is one of the small number of UK insurtechs that owns the whole value chain
  rather than renting a carrier's paper: Marshmallow Financial Services Limited
  distributes and is authorised and regulated by the Financial Conduct Authority
  (FRN 797672), Marshmallow Credit Services Limited holds a separate FCA
  authorisation (FRN 1024606) for its car-finance product, and Marshmallow
  Insurance Limited is an authorised insurance undertaking regulated by the
  Gibraltar Financial Services Commission that underwrites motor risk and files
  an annual Solvency and Financial Condition Report. Lines of business are
  private motor and telematics motor, van, home (buildings, contents and personal
  possessions) and car finance, sold direct-to-consumer through an app and web
  quote flow with offices in London and Budapest. The company reached unicorn
  valuation in 2021 and was ranked Europe's second fastest-growing company by the
  Financial Times in 2023. Its API posture is honest and narrow: Marshmallow
  publishes NO public, self-serve developer portal and NO downloadable OpenAPI.
  There is no developer., developers. or api-docs surface; api.marshmallow.com
  and docs.marshmallow.com exist but return 403 to anonymous callers, and
  account.marshmallow.com / app.marshmallow.com are consumer login walls. The
  only anonymously reachable machine-readable artifact is an OpenID Connect
  discovery document at auth.marshmallow.com, which advertises authorization-code
  with PKCE, client-credentials, refresh-token and token-exchange grants, mTLS
  client authentication and certificate-bound tokens, and publishes only the
  openid scope — real OAuth infrastructure serving Marshmallow's own apps and
  partners, with no public client registration. Marshmallow is therefore a
  technology-first insurer whose APIs are entirely internal and partner-gated,
  and no ACORD, AL3, ACORD XML or NGDS reference appears anywhere on its public
  properties.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- United Kingdom
- Insurtech
- Property and Casualty
- Motor Insurance
- Home Insurance
- Telematics
- Underwriting
- Claims
- Direct to Consumer
- Partner Gated
- No Public API
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.19'
apis: []
common:
- type: DomainSecurity
  url: security/marshmallow-domain-security.yml
- type: Website
  url: https://www.marshmallow.com/
- type: About
  url: https://www.marshmallow.com/our-story
- type: Blog
  url: https://www.marshmallow.com/blog
- type: GitHubOrganization
  url: https://github.com/marshmallow-insurance
- type: LinkedIn
  url: https://www.linkedin.com/company/marshmallowltd
- type: OpenIDConfiguration
  url: well-known/marshmallow-openid-configuration.json
- type: OpenIDConnect
  url: https://auth.marshmallow.com/.well-known/openid-configuration
- type: Authentication
  url: authentication/marshmallow-authentication.yml
- type: OAuthScopes
  url: scopes/marshmallow-scopes.yml
- type: WellKnown
  url: well-known/marshmallow-well-known.yml
- type: Conformance
  url: conformance/marshmallow-conformance.yml
- type: Packages
  url: packages/marshmallow-packages.yml
- type: Components
  url: components/marshmallow-components.yml
- type: LLMsTxt
  url: llms/marshmallow-llms.txt
- type: CustomerPortal
  url: https://account.marshmallow.com/
- type: Claims
  url: https://www.marshmallow.com/claims
- type: Support
  url: https://www.marshmallow.com/help
- type: Compliance
  url: https://www.marshmallow.com/solvency-and-financial-condition-report
- type: PrivacyPolicy
  url: https://www.marshmallow.com/privacy-policy
- type: TermsOfService
  url: https://www.marshmallow.com/terms-and-conditions
- type: Review
  url: review.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com