Flow was launched in 2020. It's owned by LV and focuses on providing a mostly digital service with flexible options.
We've rated its annual policy below, but it also provides cover that runs on a monthly contract - with premiums recalculated every three months.
Flow doesn't have a call centre - it claims this saves it money in overheads, which it can then pass on to customers in cheaper premiums.
What does Flow car insurance cover?
Elements marked with a ✓ are covered as standard; those marked with a ✘ aren't covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
✓ Courtesy car
Provides the policyholder with a car to use while repairs are carried out on their vehicle as part of a claim
✓ Personal accident
Covers the policyholder and passengers if they're injured in an accident
✓ Stolen keys cover
Covers the cost of replacing keys and locks in the event that your car keys are stolen
✓ Lost keys cover
Allows the policyholder to make a specified number of claims over a period without affecting their no-claims discount
£ NCD protection
No-claims discount protection
✓ Motor legal protection
Covers legal expenses for legal action you may take as the result of an accident
Does Flow offer the best car insurance?
Here's how Flow scored in our latest car insurance survey:
To help you find the best car insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse car insurance
We analyse and rate 73 key elements of standard car insurance policies to come up with the overall policy score. We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weight it accordingly when calculating our total policy score.
Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact on the overall product score.
Flow's car insurance policy: is it good or bad?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
In detail: every part of Flow's car insurance rated
Table last updated in February 2022. Next update in February 2023.
To see how Flow's car insurance compares with other policies, check out our guide on the best and worst car insurance.
How can you save money on Flow's car insurance?
The first offer an insurer makes isn’t necessarily the best it's able to provide - especially if you’re renewing. So check what other insurers are offering for comparable cover and ask if your current insurer can better it.
Carefully consider what’s optionally included in the quote. You may want the confidence of an all-singing, all dancing policy - but certain add-ons might not be for you, or could duplicate cover you already have separately.
Where you buy your cover can sometimes make a difference to how much you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying the company direct.
Flow's car insurance policy is available on the following price comparison websites:
- Compare The Market
- Go Compare
✘ Membership discount
A discount to the premium for being a member of an organisation
✘ Joint car and home insurance discount
A discount to the premium for purchasing car and home insurance policies from the same provider
✘ Multi car discount
A discount to the premium for insuring more than one car on a single policy with the same provider
✘ Dash cam discount
A discount to the premium for having a dash cam installed in your car
Above information correct as of December 2021. For more tips, see our guide to getting a cheap car insurance quote.
What is Flow's car insurance claims number?
If you need to make a claim with Flow car insurance, call 0800 030 4897.
You'll need your policy number and documents, your vehicle registration number and crime reference number, if applicable.
- Find out more: is it worth claiming on your car insurance?