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.

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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.

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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 company in the UK, Which? goes the extra mile to sort the best from the worst.

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.

Members can log in to read our full policy analysis. If you’re not already a member, join Which? and get full access to these results and all our reviews.

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In detail: every part of Flow’s car insurance rated

Select a table:

Core cover

Table last updated in February 2022. Next update in February 2023.

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:

• Confused.com
• Compare The Market
• Go Compare
• MoneySupermarket

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?