Marshmallow deepens data partnership with Percayso Inform and TransUnion

Marshmallow has signed a multi-year data partnership with Percayso Inform and TransUnion, and the deal marks the first time Percayso has delivered TransUnion bureau data across the insurance and auto-finance sectors through its platform. It also gives Percayso and TransUnion their first joint client win.

The company was founded in 2018 to make migration easier, and it has built pricing and fraud models for people moving to the UK, a segment where standard bureau records can be thin or patchy. In 2023, 70% of Marshmallow customers were new to the UK, and the insurer looks at all past driving experience, from any country, when setting prices. It has helped millions of UK newcomers get a fairer deal on car insurance and claims average savings of £392.

Percayso's Inform product blends and enriches public and private consumer bureau data to create a clearer, trended view of consumer behaviour for pricing, risk assessment and decision-making. Marshmallow Insurance Limited is Gibraltar-incorporated, underwrites personal motor insurance distributed exclusively in the UK, and uses Marshmallow Financial Services Limited, its FCA-authorised broker, to sell the product. The company has raised $90 million in Series C funding from Portage, lifting its valuation to just over $2 billion, after insuring more than one million drivers and reaching a $500 million turnover run rate.

TransUnion's 2026 insurance research found 70% of insurers believe they deliver personalized experiences, but only 43% of consumers agree. Its Q4 2024 report found auto and property shopping both rose 20% year over year, while 11% of drivers have a ratable violation that traffic court records can identify but motor vehicle records miss. TransUnion's 2026 findings also show a renter pool that is older and more credit-readable than many carriers assume, with 53% of renters now over 40, a median age of 40, household income of $56,000 and a TransUnion credit score of 652.