11 things you need to know about Flow

4 minutes

These days, life’s all about flexibility. Whether you’re downloading a new TV series, ordering dinner or buying a new outfit, everything’s there, at the tap of a button.  So we thought; why should car insurance be any different? Meet Flow – and find out why it might be right for you.

  • Flow gives you quick and easy car cover 
  • It’s simple: get a quote online that’s tailored to you, then hit the road
  • Fast, flexible cover for people on the move 
     
 

1. Your monthly price is based on you 

Flow is all about you. So, when we calculate your premium, we do it based on your personal circumstances rather than on a standard set of questions. 

Instead of giving you a fixed monthly price, with Flow car insurance, you’ll get a maximum price every three months. Your exact monthly price will show in your Flow account seven days before you pay and you’ll get an email too , so you always know where you stand. 

Plus, you’ll never pay more than your guaranteed maximum price each month, so you’re always in control.

Let’s break it down: you could potentially get £40 as your maximum monthly price, but in month two, as your personalised pricing can change, your price could drop to £35. In month three, your price might be £37, but it will never be more than your maximum £40.  

 

2. You can insure up to three cars and six drivers

More than one car? Multiple drivers at the same address? Flow has you covered. It’s easy to add or remove cars and drivers from your policy – just log in to your Flow account to customise your cover. There are no  fees to pay and no time wasted listening to call centre hold music, just fast, comprehensive monthly subscription car cover. It really is that simple!

3. You can do it all at the tap of a button

Flow makes it easy to get instant car insurance from your desktop, laptop, tablet or smartphone. Flow is digital car insurance for people on the move. Whether you’re getting a quote, making changes or updating your policy, you can do it all on your own time, with 24/7 access to your account.

4. There’s no need to worry about No Claim Discount (NCD)

Not all of us have had a chance to earn or maintain  NCD, but with Flow, we don’t take NCD into account . Although we need to understand your driving history to offer you a policy, any previous NCD you’ve earned will not impact your price – your Flow price will be based entirely on your circumstances.

Plus, if you cancel your subscription and you need proof of being claim free, we’ll give you written confirmation of any claim free years with Flow –just ask us when you need it. Unfortunately, we can’t guarantee that another insurer will accept this as proof of NCD.

Still got questions about how NCD works with Flow? Learn more with our guide to NCD and Flow.

5. It’s perfect if you need flexibility…

Always on the go? Don’t want to be locked into an annual contract? Monthly, subscription car insurance might be for you. Flow offers 24/7 access to your account, so it’s perfect if flexibility is your thing. You can make changes, add or remove drivers, add optional extras or cancel your cover at the tap of a button, all with no admin or cancellation fees. It’s fast and hassle free. 

 
Flow is all about you. So, when we calculate your premium, we do it based on your personal circumstances rather than on a standard set of questions.

6.    …but you still want instant, comprehensive cover 

You can count on Flow for reliable and flexible car insurance. 

Because Flow is powered by LV=, you can relax, knowing you’re in safe hands. Your cover includes: 

  • Comprehensive cover 

Had an accident or had your car stolen? Flow covers you in both cases, as well as if your car catches fire or when someone makes a claim against you.

  • Uninsured driver cover 

Hit by an uninsured driver? Don’t worry, we won’t charge you your excess if you’re not at fault.  Don't forget we'll need the details of the other driver and their vehicle to progress your claim. 

  • Misfuelling cover

Accidentally filled your car with the wrong fuel? It happens. We pay to drain and flush your fuel tank , as well as cover the damage to the car's engine

7. And it’s great for those around you

Friends in town? New partner or housemate? Family expanding? Flow makes adding (or removing) drivers from your policy easy. You can add up to three cars and six drivers to your Flow policy and get instant cover – and you can do it all online, 24/7. Don’t forget, the cars and the drivers must all be at the same address.

8. No fees. No, really.

Whether you’re making changes or need to cancel your Flow subscription, there are no admin or cancellation fees to worry about. Plus, we won't charge you monthly interest. It’s win-win. 

9. Get the best monthly price, no matter what 

It doesn’t matter if you’re a new or existing Flow customer – you'll always get our best monthly price. So, even if you have a Flow subscription, cancel it and need to take out a new one down the track, the price will always be the cheapest we can give you. 

10.  You can add optional extras 

Want more? It’s a cinch to add our optional extras. Add guaranteed hire car cover or motor legal expenses cover for just £2 per month. Just log in to your Flow account to choose your extras and add them to your policy. 

11. And we’re right here if you need a hand 

Got questions about Flow? Need some tips and tricks on how to make changes or manage your account? Explore our handy FAQS, watch our video guides or browse our Flow articles.

Ready to get a quote with LV= Flow? You’ll need your driving licence, the driving licence details of any drivers you want to add to your cover and the registration of your  car(s) you want to add to your cover. We’ll need a few personal details, to help us give you the best price, then, at the tap of a button, you’ll be ready to go. 

As well as a lifetime guarantee on repairs (using our recommended repairer service, while you own the car. Labour only, excludes parts), your monthly car cover will keep rolling until you cancel, so you can relax, knowing you're always covered. 

 

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