Flow Insurance Reviews, Features, Pros & Cons

Flow Insurance - Flexible Online Car Insurance & All You Need To Know

Flow Insurance Reviews, Features, Pros & Cons

When it comes to insuring your car, finding a reliable and trustworthy insurance provider is crucial. Flow Insurance Company understands the importance of protecting your vehicle and offers comprehensive coverage options tailored to meet your specific needs. 

Flow Car Insurance Company has been giving customers peace of mind with their comprehensive variety of insurance solutions for over two decades. 

Whether you are a rookie or an experienced driver, Flow Car Insurance Company has you covered. 

You can trust that your vehicle is in good hands because of its dedication to client satisfaction and customized service.

With a strong reputation for exceptional service and competitive rates, Flow Insurance Company is the go-to choice for drivers looking for reliable insurance coverage.

Stay with us as we show you a detailed review of Flow Insurance Company with recent findings.

About Flow Insurance

Flow Insurance is an online active and ambitious insurance company with a group of people from all over England. Growing amid lockdowns and forming virtual relationships during video calls have made them stand out as the market was ripe. 

When they first started Flow, they undertook extensive research and discovered a market gap for rolling, monthly insurance. As a result, they now provide annual car insurance that consumers can fully control online, 24 hours a day, seven days a week. 

They provide Monthly car insurance and Flow Renters insurance in addition to Annual Car insurance, putting you in charge at the touch of a button.

Flow Insurance Company has been serving customers for over 4 years, providing peace of mind through its extensive range of insurance products. 

Additionally, The trademark Flow is owned by Liverpool Victoria General Insurance Group Limited and is underwritten by Liverpool Victoria Insurance Company Limited, both of which are registered in England and Wales under company number 3232514. 

Flow is authorized by the Prudential Regulation Authority and is subject to regulation by the Financial Conduct Authority and the Prudential Regulation Authority, both of which have registered trademark registration numbers 202965. 

Whether you are a new driver or a seasoned motorist, Flow Insurance Company has you covered. 

With their commitment to customer satisfaction and personalized service, you can trust that your vehicle is in safe hands.

Why Choose Flow Insurance Company?

When it comes to choosing an insurance provider for your car, it’s essential to select one that offers reliable coverage and exceptional customer service. 

Flow Car Insurance Company stands out from the competition for the following reasons:

  • Competitive Rates: Flow Car Insurance Company provides affordable premiums without compromising coverage.
  • Comprehensive Coverage: Their insurance plans cover a wide range of risks, ensuring you are protected in various scenarios.
  • Quick and Efficient Claims Process: Flow Car Insurance Company understands the importance of a streamlined claims process to get you back on the road as soon as possible.
  • Excellent Customer Service: Their dedicated team of professionals is available to assist you with any queries or concerns you may have.

What are Flow Insurance Products and Services?

Having trustworthy insurance coverage is essential for safeguarding your future and protecting your possessions. 

To fulfill the various requirements of individuals, families, and enterprises, Flow Insurance provides a full range of insurance products and services. 

Flow Insurance guarantees that you have the peace of mind you need with a dedication to providing outstanding customer service and a variety of coverage alternatives.

Flow Insurance has two main insurance covers; Car Insurance and Renters Insurance.

Flow Car Insurance

Everybody has different insurance needs, and Flow Car Insurance is cognizant of this. Flow Car Insurance has options that are specifically designed to meet your needs.

Their extensive offering of goods and services consists of the Flow Annual Car Insurance and Flow Monthly Car Insurance.

Flow Annual Car Insurance

Flow Annual Car Insurance helps you manage your annual car insurance coverage online 24/7. This service is easy to use with no phones and you don’t have to wait. 

All you need to do is pay 10% of new Flow Annual customers paid £194 or less.

They can pass savings directly on to you because of their focus on paperless documents and digital self-service.

Extras, like guaranteed rental cars and motor legal expenses, are included as normal.

What’s Covered with Flow Annual Car Insurance?

Scratches and Dents: Your pride and pleasure were accidentally damaged? To make it appear as though nothing ever happened, they pay for repairs like scratches and dents.

Drivers without Insurance: The accident is with you. That’s not your fault. Additionally, the opposing driver is uninsured! They’re always on your side. Just let them know the information of the other motorist, and there is no excess to pay and you keep your no-claim discount.

Accidental Misfuelling: Do you put the incorrect fuel in your car? The best among them are not immune to it. Your fuel tank will be drained and cleaned, and they’ll also pay to fix any engine damage. Simply pay your excess, that’s all.

Vandalism Assurance: While they’d love to say there won’t be any vandalism, they can assure you that if you do need to file a vandalism claim, your no-claim discount will still be valid; all you’ll need to do is pay your excess.

New Keys and Locks: If you lose or have your keys taken. Where did I put those annoying objects, you ask?

Why You Should Choose Flow Annual Car Insurance

Here are serious reasons to use Flow Annual Car Insurance coverage:

24-hour claim service: Their helpful UK-based claims-only call centers are available day or night, whenever you need them. Based on data from January to December of this year, they are happy to be a part of the LV= family and payout 99% of claims. 

No administrative costs: You can modify them whenever you want without paying a fee for a mid-term modification because they are adaptable.

Simple self-service online: Want to tweak something or add a driver? You have complete control over Flow. To customize your cover, simply log into your account whenever is most convenient for you.

Finally, their Help hub, how-to articles, and videos will support you if you need them.

Flow Monthly Car Insurance

Everything is available at the touch of a button, whether you’re downloading a new TV show, ordering dinner, or making a purchase. So, they reasoned, then, why car insurance should be any different. 

Discover Flow Monthly car insurance and why it can be the best option for you.

  • Flow offers quick and simple car covers.
  • It’s straightforward: acquire a quote that is customized for you online, then leave.
  • Quick, adaptable protection for those in motion 

They’re all accustomed to making regular monthly payments for things, whether it be a cell phone or a TV subscription. 

What makes your car insurance any different? 

If you don’t want to commit to an annual contract, Flow Monthly offers you the option of a rolling membership where you pay on a month-to-month basis.

Let’s look at what Flow Monthly Car Insurance covers and why you should choose them for your Car Insurance coverage.

What’s Covered with Flow Monthly Car Insurance?

It is all about you when it comes to monthly Flow car insurance. As a result, they compute your premium based on your unique circumstances rather than a typical set of questions. 

Instead of a fixed monthly price, Flow Monthly car insurance will provide you with a maximum price every three months based on your present circumstances. Your precise monthly fee will be displayed in your Flow account seven days before you pay, and you will also receive an email, so you will always know where you stand. 

Furthermore, you will never spend more than your guaranteed maximum price each month (as long as your circumstances stay unchanged), so you will always be in control.

Up to three cars and six drivers can be insured. You’re covered with Flow Monthly car insurance. It’s simple to add or delete vehicles and drivers from your policy; simply log in to your Flow account to make changes. 

There are no hidden fees or time lost listening to call center hold music; simply quick, comprehensive monthly subscription vehicle insurance. It really is that easy!

Why You Should Choose Flow Monthly Car Insurance

You can choose to go with Flow Monthly Car Insurance for the following reasons:

Best Price: Do not waver on price. Every time, based on your needs and with a 3-month price guarantee, you’ll receive the best offer. After a year, no unforeseen price increases. Continue on

Comprehensive rolling monthly car cover: Until you cancel, your monthly car insurance will continue, so you always know you’re covered.

Get an online quote now: Just provide your driving license and answer a few straightforward questions.

No fees or monthly interest: You won’t have to pay any administrative or cancellation costs, and they won’t charge you interest each month.

Manage your account online: Traveling by car? A new vehicle was purchased? Without standing in call center lines, you can replace or add a driver. Simply log in to your Flow account at any time.

No NCD? Not to worry: You can get the greatest pricing with Flow Monthly without using a No Claim Discount (NCD). You, not your NCD, are the basis for their pricing. Study up on NCDs and your insurance.

Worth the money: They can pass savings directly to you because to their focus on paperless documents and digital self-service.

Friendly UK-based call centres: 24/7 available to you if you need to file an automobile claim. 

Lifetime guarantee on repairs: While you own the car and use their recommended repairer service. Only labor; parts excluded.

Flow Renters Insurance

Renters insurance, also referred to as tenant insurance, offers loss protection by covering your possessions from the possibility of theft and damage. 

Flow renters’ contents insurance is made to cover things like furniture, appliances, TVs, laptops, clothes, linen, and personal valuables like jewelry, bicycles, books, CDs, and CDs. 

So, even if the worst happens, you can simply replace them without incurring additional costs. 

Since they are all online, Flow Renters is specifically made for folks who want quick, flexible coverage without the hassle. 

This is what we deduced from Flow Monthly Renters Insurance:

Do you wish to protect anything outside your house?

Such as your bicycle, smartphone, laptop, tablet, or jewelry. They’ll cover you for theft and accidental loss or damage. You can insure up to ten specified goods valued up to £5,000 each, for a total of £20,000.

Do you want protection against household accidents such as breakages and spills? 

They understand that accidents happen. Accidental damage coverage provides an additional piece of mind. They’ve got you covered if your pet has clawed your sofa or you’ve spilled a drink on your laptop. 

Why You Should Choose Flow Monthly Renters Insurance

There are no admin fees: There are no administrative or cancellation costs to be concerned about, and they will not charge you monthly interest.

Good value for money: Our emphasis on digital self-service and paperless documents allows them to pass on savings to you.

Fixtures and fittings of the landlord have been damaged: They’ll cover up to £10,000 for loss or damage to any fixtures and fittings that your landlord has assigned to you.

No phones. No wait. Easy: A new bicycle? Have you updated your laptop? Log in and update your online Flow account in only a few clicks, 24 hours a day, seven days a week.

Customer service: When you need them, they’re here for you. Browse through our FAQ section or send them an email.

Peace of Mind: Keep the things you care about safe. Their contents insurance covers items such as household goods, electrical equipment, televisions and computers, clothing, linen, and personal belongings such as books, CDs, jewelry, musical instruments, and bicycles.

Flexible contents insurance designed just for you: Cover your items the way you like. Your monthly membership will continue unless you cancel it. They’ve got your back.

Specified items: You can add up to ten selected products each valued at £5,000 or less, for a total of £20,000.

24-hour claim service: Log your claim into your account and they’ll connect you with one of our courteous UK-based claim handlers; they’re delighted to be a part of the LV= family.

What’s Covered with Flow Monthly Renters Insurance?

Flow Renters is built exclusively for customers who want quick, flexible content insurance without the hassle. Flow monthly contents insurance protects your valuables such as TVs, laptops, and phones, as well as your clothes and personal items such as books, jewelry, artwork, musical instruments, and bikes. 

You can add up to ten items to your Flow renters account to cover you while you’re out and about. Remember that they are not automatically covered – you must identify the thing you want to cover before you can proceed. You have the ability to add or remove specific things from your account. 

If you’re renting, knowing the brand and model of the door locks or the material of the roof can take time and effort. They keep things simple and quick using Flow Renters. To get a quotation, they’ll only ask you a few simple questions, so you may be covered in minutes. 

If you turn your house upside down, whatever hits the ceiling is your belongings – your furniture, jewelry, gadgets, furnishings, and everything else. This is what Flow Renters takes care of. Everything else – the walls, flooring, roofing, fitted units, and so on – would be covered by the building. 

Such as fire, robbery, vandalism, storms, floods, and water leaks, among other things. Flow Renters will cover you if these dangers (as they’re known in insurance jargon) cause damage to your contents. 

Coverage ranges from £5,000 to £50,000, allowing you to select the appropriate level of protection for your needs.  Single objects in the home are covered up to £2,000, but if you require extra coverage for a specific item, please contact them. 

Comparing Flow Annual and Monthly Car Insurance

Annual and monthly car insurance from Flow include

LV: Claims support is available 24 hours a day, seven days a week through pleasant, UK-based call centers. Why not visit their specialized claims page created exclusively for you?

Value for money – Because they emphasize digital self-service and paperless documents, they can pass savings straight on to you.

Comprehensive Cover: Comprehensive coverage protects you against claims for unintentional damage, fire, or theft to your car, as well as any injury or damages you cause to third parties while driving. 

Flow Annual vehicle insurance provides comprehensive coverage when driving abroad, whereas Flow Monthly car insurance provides third-party coverage solely when driving abroad.

Flow Annual vs Flow Monthly Car Insurance

FeatureFlow Annual car insuranceFlow Monthly car insurance 
Cancellation fee£40No
Monthly interestYesNo
NCD availableYesNo
Protected NCDOptional extraNo
Guaranteed hire carYesOptional extra
Motor legal expensesYesOptional extra 
Breakdown coverOptional extraNo 
Family package add onOptional extraNo 
Foreign useYesThird Party Only Cover 
New car replacementYesNo

How Does Flow Monthly Insurance Subscription Pricing Work?

They know you’ll want to stick to a budget, so rather of providing you a set monthly fee, they’ll give you a maximum price every three months based on your present situation. 

You’ll receive an email and the precise monthly cost will be displayed in your Flow account seven days before your payment date, ensuring that you always know where you stand. 

Due to their constant desire to offer you their best deal. At Flow, they value customer loyalty, therefore they make sure you don’t pay more than a new client. 

As long as your circumstances don’t change, you’ll never pay more than your guaranteed monthly maximum price, giving you complete control.

Your maximum monthly price might be £40, but given your customised pricing is subject to vary, it could be as low as £35. Your price may be £37 in month three, but it will never go higher than £40.

If you’re dissatisfied with your current insurer or are new to car insurance, Flow Monthly couldn’t be easier. 

There are no admin costs, cancellation fees, or interest charges on your premium, and you can pay monthly, just like you do for box sets or the gym. 

Furthermore, they do not need you to apply a no-claim discount (NCD) to give you their best pricing. 

Flow Insurance 2023 Reviews

Flow Annual car insurance is Defaqto 5 Star rated and they are overjoyed about it because it is their highest level of rating.

They were voted Best Newcomer by their customers in the Insurance Choice Awards 2022 as the Best Newcomer Winner 2022.

Trustpilot equally gave them an Excellent 4.7 stars rating out of 5.

Here are customers’ reviews on Trustpilot about Flow Car Insurance:

Trustpilot gave Flow Insurance an Excellent rating based on 11,563 reviews from their users and customers.

They equally received a 5 Star Rating from Defaqto for their Flow Annual product.

This what their customers have to say about them:

brilliant price included all things important to me, very happy _Barbara Allen”

Excellent price, very easy to set up insurance and from a leading company. _Susan Jordan”

Easy to navigate and to change information input, price updated as progressing… _ Anne Massie


When it comes to insuring your vehicle, choosing a reliable insurance provider is paramount. Flow Insurance Company stands out from the crowd with its commitment to exceptional service, competitive rates, and comprehensive coverage options. 

Flow is proud of his uniqueness. They are not all looking for the same thing. That is why they have placed you in command.

With the option of rolling monthly coverage or a flexible annual insurance… you’re protected whether your circumstances change frequently or infrequently.

Whether you are a new driver or a seasoned motorist, Flow Car Insurance Company has the expertise and reliability to meet your car insurance needs. 

Protect your vehicle and home while you enjoy peace of mind with Flow Insurance Company today!