Monthly and annual car insurance comparison

Compare Flow and annual LV= car insurance

car Insurance Comparison

We understand car insurance can be tough.

But don't worry. We're here to guide you through, so you can make the right choice. Take a look at our comparison below.


 LV= annual car insurance vs Flow monthly car insurance

Feature Flow  LV=annual car insurance
Renew Monthly subscription Annually
Price calculated Guaranteed maximum price supplied every 3 months. All prices are based on your personal circumstances. Annually
Type of cover Comprehensive Comprehensive or third party fire and theft
Cover abroad  Third party (no cover for damage, fire or theft) Comprehensive*
Driving other cars cover  No Yes
Use of car Social, domestic and pleasure, and commuting to a single workplace Social, domestic and pleasure, and commuting to a single workplace (can be extended to business use)
Motor add-ons Guaranteed hire car (basic) and motor legal expenses
Guaranteed hire car (basic or extended), motor legal expenses, breakdown, increased personal accident cover and protected NCD
NCD (no claim discount) No – we'll give you the best possible price based on your personal circumstances
Protected no claim discount Not available Available
Amendment and cancellation fees



Manage your policy online Yes, 24/7 access to your account for any amendments and cancellations** Not yet, just call us to make a change


Compare. Contrast. Choose what works for you.

Flow monthly insurance

  • Monthly car insurance with no admin fees – you can also stop your cover if you need to without any cancellation fees to worry about
  • Guaranteed hire car (basic) and motor legal expenses available as optional extras
  • Flow is simplifying insurance, so we don't take into account your no claim discount. If you cancel your subscription we’ll give you written confirmation of any claim free years with Flow (if you ask for it). We can’t guarantee that another insurer will accept this as proof of NCD.
  • Third party cover abroad 
  • Manage your account online, 24/7

LV= annual insurance

  • Annual car insurance with comprehensive or third party fire and theft cover available 
  • Motor legal expensesguaranteed hire car, increased personal accident cover, breakdown cover and protected no claim discount available as optional extras
  • Ability to protect NCD (no claim discount) up to 9 years
  • Fully comprehensive cover if you're driving abroad
  • Call our friendly UK call centre to make a claim or manage your policy