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

We’ve simplified car insurance. Get flexible monthly cover, fast.  

It's all about you

  • Your loyalty matters. Whether you're a new or existing customer, you'll always get our best price
  • Your tailored monthly price is based on your circumstances – because it's all about you
  • 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 

Quick and easy cover

  • Your monthly car cover will keep rolling until you cancel, so you know you're always covered
  • Get an online quote in minutes. Just answer a few questions –  all you need is your driving licence
  • Want to add a driver, or make a change? Login to your Flow account 24/7 to customise your cover

Straightforward insurance

  • There are no admin or cancellation fees to worry about and we won't charge you monthly interest
  • Comprehensive monthly subscription car cover that insures up to 3 cars and 6 drivers
  • Lifetime guarantee on repairs (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 from 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.

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. We've simplified it all here.
  • The registration of any cars you want to add to your cover 
  • A few personal details, to help us give you the best price 

More about Flow car insurance

Our awards and recognition

  • LV= has been voted joint 1st place as the UK's No.1 insurer for customer service. Based on UKCSI survey July 2020.

 Ready to go with the Flow?

Get a Flow monthly car quote