You can cancel any time before your start date and will not be charged.
At the start of your cover, you have 14 days to check you’re happy with it. If you’re not, just log onto your account and cancel your cover. If you do this within 14 days of either when we agreed the cover or when you received your documents, whichever is the later, we’ll refund any money you’ve paid less a charge for the time you’ve been covered. After that, your cover will continue automatically every month until you cancel.
We’ll confirm your maximum monthly price via email and in your account immediately after any amendment or subscription renewal has been processed.We’ll also email you your next month’s exact price seven days before the expiry of the subscription.
Your first payment will be taken on the day you buy your subscription; after that, your monthly payments will be taken on the day of the month your subscription started.
For example, if you buy your subscription on the 1st for it to start on the 5th, we will take the initial payment on the 1st but for the following months, your payment will be taken on the 5th.
If your cover starts on a day that doesn't fall in every month, don't worry – we'll just take the payment on the last day of the month.
You can view your payment history and current price in your account at any time.
If your payment fails we will attempt to take the payment again in 7 days. If the second payment attempt fails we will cancel your subscription the next day. We will contact you via email to tell you about your payment failing and confirm the above.
Once the cover is cancelled you'll need to get a new quote.
When you make a claim on your Flow subscription, we use the current status of the claim to calculate your premium.
If the status of the claim changes, we reflect this in your next premium calculation. It may take a month for the changes to show on your account.
When you make a claim you’ll continue to be protected by our maximum premium guarantee* until it expires.
*Unless you've made any changes to your cover.
You can make a claim for windscreen by calling 0800 030 4897.
Call us on 0800 030 4897 and we'll get to work*. You can find more information in our claims process section.
*Lines are open 24 hours a day, 7 days a week. For TextPhone dial 18001. Calls will be recorded.
With Flow, when you make a claim for windscreen damage your windscreen excess will be payable, though your monthly price will not be affected.
The most important thing is to make sure you're safe. If nobody's been hurt, follow these steps:
- If another person or vehicle was involved, exchange details including names and addresses, phone numbers, registration numbers, makes and model. If someone's injured, you should call the emergency services immediately.
- Avoid discussing who was to blame, even if you think it's obvious
- It may help us settle the claim sooner if you can provide photographs taken at the scene or details of any CCTV cameras covering the area
- Note down the names and addresses of any witnesses and details of the police – if applicable.
- Lastly, when it's safe to do so, give us a call on 0800 030 4897* and our claims teams will take it from there. If you're not the policyholder, you can report the claim, but we'll need to talk to them about it afterwards.
We’ll waive your excess, provided you tell us:
- The registration number and the make, model and colour of the other vehicle
- The driver’s/rider's name and address
You’ll have until your subscription ends to decide whether to transfer your cover to a different vehicle. If you don’t want to transfer your cover, you’ll need to cancel your subscription otherwise the cover and your subscription payments will continue.
If you're in a hire car when your subscription ends, you'll need to give the hire car back.
When driving in EU countries and those following EU Directives, you’ll have the minimum compulsory insurance required by law in that country. Each subscription month you will be covered for 30 consecutive days and a total of 180 days per year.
To get a green card simply fill out our green card form.
Yes, we will cover you for personal accident cover up to £10k. For more details, please refer to your terms and conditions.
You can add a driver for a short period of time up until the end of your subscription month. You can only have one temporary driver on your account per subscription month.
If you add a driver to your subscription this will be on-going cover. You can have up to 6 drivers per car and up to 8 drivers on your account.
We don’t use no claim discount (NCD) in our pricing or underwriting for Flow. We use your claims history and your specific circumstances to provide you with an accurate price.
Because Flow is simplifying insurance, there is no NCD. If you cancel your subscription we’ll give you written confirmation of any claim free years with Flow (if you ask for it.) But we can’t guarantee that another insurer will accept this as proof of NCD.
No, breakdown cover isn't available with your Flow subscription cover. If you want add breakdown cover you can do this through LV= Britannia Rescue.
The only car changes we cover on our Flow subscription are disability modifications. If your car has other modifications, we may be able to cover them under our annual car insurance policy.
With Flow you have the option to add a guaranteed hire car (basic) or motor legal expenses (MLE) cover.
You can change your subscription and levels of cover through your online account.
You can find all the details you need in your account.