Flow Insurance

Compare Flow Insurance Quotes 

Flow Insurance was established in 2020 to fill the market gap for rolling monthly car insurance. As of December 14, 2023, Flow Insurance has ceased offering monthly subscription car and renters’ insurance. Current policyholders of these insurance types will continue to be covered until their subscriptions expire. 

Who are Flow Insurance? 

Flow is a digital-first business that offers flexible car and until recently home insurance policies. Flow aims to help motorists save on their insurance by implementing a self-service process which means you don’t need to deal with anyone over the phone to get the coverage you need. They have claimed that this helps them reduce overhead costs and so allows them to offer cheaper premiums to their customers.  

Commonly marketed as the cheaper option for younger drivers and learners on a lower income, Flow is a popular choice for those looking to save on their insurance.   

Flow insurance is underwritten by LV Insurance which has received consistently high customer reviews and is a trusted insurance provider in the UK market. 

How do I contact Flow Insurance? 

Flow Insurance only uses its phone lines to assist you in making a claim on your policy. This means they will not be able to assist you with queries regarding a quote. To get through to their claims team, call 0800 030 4897. 

Who is Flow Insurance owned by? 

Flow insurance is underwritten by Liverpool Victoria Insurance Company Limited and adheres to the Financial Conduct Authorities requirements. 

What makes Flow Insurance cheap? 

Due to its self-service business model, flow claims it is able to cut overheads on its premiums by removing the need of a call centre. Whilst some customers may prefer to discuss their quote over the phone before a purchase, Flow has taken the stance that in order to provide more competitive prices to its customers it needs to be a self-service insurer. Looking to estimate the cost of your next insurance policy? Try our car insurance calculator to get an estimate for your policy.  

Flow’s monthly insurance vs annual insurance  

As of the 14th of December 2023, Flow Insurance no longer provides monthly car subscription insurance. Flow does however still offer annual car policies and looks set to remain popular going into the future thanks to its competitive pricing.  

Flow’s annual insurance policy offers you the same benefits as a monthly policy but is designed to cater more for those who prefer to have their car policy taken care of on a yearly basis. 

What car insurance does Flow offer? 

Flow offers the expected ranges of coverage from basic cover right through to comprehensive. You can also tailor your policy to include add-on options which gives you the coverage you need. 

Third party (TPO): This is the minimum legal requirement for drivers in the UK. It will offer you coverage for any damages you cause to a third parties vehicle. You will not be covered for your own vehicles damage under this coverage however. It also tends to be the cheapest option due to its minimal level of coverage however this is not always the case as riskier drivers tend to opt for this coverage level. 

Third party, fire, and theft (TPFT): This is exactly the same as a third party insurance policy, but it will also pay you out if your own car is stolen or damaged by fire. 

Comprehensive cover: As the name suggests, fully-comp is the most comprehensive level of cover a driver can take out in the UK, and as such it’s generally the best form of coverage. This type of policy includes everything that’s covered by TPFT, but will also cover the cost of repairing or replacing the vehicle of an at-fault driver. This type of insurance will also pay out if you’re involved in an accident with an uninsured driver, which isn’t covered by lower levels of cover. 

What do people have to say about Flow insurance? 

Flow has received a highly positive number of reviews on sites like Trustpilot with average ratings of over 4 stars. Much of the positive feedback received for flow was directed toward the positive customer experiences as well as the ease of setting up a policy. There were few criticisms made regarding flow and the ones that were left on Trustpilot were mainly targeting the wait times for call centres as well as the occasional customer dissatisfied with the price. Overall however the majority of reviewers were happy to recommend Flow for insurance and did not have any reservations. 

Is Flow Insurance Good? 

Flow insurance has received largely positive reviews from customers and has proven to be a popular choice for those looking for greater flexibility with their car policy. 

H3 Compare your insurance options 

Whilst Flow is positively received by many customers, it may not always be able to offer you the best premiums for your vehicle. This is completely normal as insurance prices are influenced by many factors which are unique to your own individual situation. Such factors include the car you drive, your age, where you sat your driving test and the level of coverage you are looking for. As a result, you may benefit from different insurers at different times as insurance companies regularly compete in order to offer the best deals to customers with certain risk profiles. 

If you’re keen to compare Flow insurance policies, it would be a good idea to have plenty of quotes from other providers to compare them against – and we can help with that. 

Quotezone enables you to compare insurance quotes from over 120 insurance providers side by side, and all it takes is one short form. 

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