Flow monthly car insurance on subscription

Find your Flow. Subscription car cover that moves with you. No fees, no fuss.

Get a quote – and our best price – in minutes

Get a Flow car quoteGo to your Flow account

So, why choose Flow, our monthly car insurance cover?

Monthly subscription car insurance from LV =, the UK's no 1 insurer for customer service. Based on UKCSI survey January 2021.

  • Comprehensive monthly subscription car cover
    Insure up to 3 cars and 6 drivers. Your monthly car cover will keep rolling until you cancel, so you know you're always covered
  • Get an online quote now
    Just answer a few simple questions –  all you need is your driving licence
  • Manage your account online 
    Want to add a driver, or make a change? No need to wait in call centre queues. Login to your Flow account 24/7 to customise your cover
  • No fees or monthly interest
    There are no admin or cancellation fees to worry about and we won't charge you monthly interest
  • NCD
    With Flow, you don't need a No Claims Discount (NCD) to get our best price. We base our pricing on you, not your NCD. Learn more about NCD and your insurance
  • Same price as new customers
    Yes, you read that right. Your loyalty matters. Our existing customers will always get the same price (or lower) than new customers  
  • Tailored monthly price
    We give you a tailored monthly price that's based on your circumstances, that's guaranteed for 3 months – because it's all about you
  • Lifetime guarantee on repairs*
    Friendly UK-based LV= call centres - there if you need to make a car claim day or night, 24/7


*When using our recommended repairer service, while you own the car. Labour only, excludes parts

Flow or LV= annual car insurance?

Compare our two cover types to see what's best for you.
Compare our car insurance

So, how does our monthly subscription pricing work?

Optional extras

Boost your Flow car cover for just £2 a month

Guaranteed hire car

  • For just £2 per month, you're guaranteed a small basic hatchback hire car. This guarantees use of a hire car if your own car is being repaired by our recommended repairer service, or has been stolen or written off.

Motor legal expenses 

  • For just £2 per month, motor legal expenses cover protects you when you might need legal help to take action against a road user or defend against a motoring prosecution.

New to car insurance? Whether you're a first time driver or have been named on someone else's policy

Here's what you need to know...

Why do I need car insurance?

There's no denying it, we all need insurance. You can't drive a car (or any motor vehicle) without a valid insurance policy. Your insurance is there to cover you financially should anything happen to your vehicle. It will also cover any claims made against you if you’ve caused injury to other road users or other people’s property following an accident.

If you find yourself in a situation where your car has been damaged or stolen, it's good to know that your insurer is there to help you get you back on the road.

One of the only reasons you may not need insurance for your car is if you have officially declared your car off the road, after not using it and have declared a SORN from the DVLA. There’s a little more to it than that though, so to find out more, check out our article on how and why to SORN your car. 

How can I get cheap insurance?

The truth is, cheaper isn’t always better - we’ve all suffered the aftermath of a cheap takeaway, right? That said though, Flow by LV= will give you its best rates based on you and what you need. No hidden extras, no fees, no stress. It’s a quick and easy application and you’ll have 24/7 access to your account where you can customise your cover.

How can Flow help?

If you’re not happy with your current insurer or if you’re new to car insurance, Flow by LV= couldn’t be simpler. No admin fees, cancellation fees or interest on your premium, plus you can pay via a monthly subscription, the same way you pay for your box sets or the gym. Not only that, but we don’t need to use a no claim discount (NCD) to give you our best price. What's NCD? Here's what you need to know.

Ready to get a monthly car quote? 

You'll need...

  • To upload a photo of your driving licence. You'll also need driving licence details of any drivers you want to add to your cover
  • The registration of any cars you want to add to your cover 
  • A few personal details, to help us give you the best price 

Frequently asked questions

Our awards and recognition

Learn more about the nuts and bolts of Flow – the documents are all here

You can view your documents in your online account. You can get these and other documents in Braille, large print or audio by emailing us.

 Ready to go with the Flow?

Get a Flow monthly car quote