LV= Flow is a car insurance policy from general insurer LV=. As of December 2023, it ceased offering a monthly policy to new customers, but now offers annual cover only.
LV= has a history that dates back to 1843 and has since grown to become a well-known insurance provider in the UK. It also offers a range of other insurance products such as an annual car policy, van, motorbike, life, pet, home and travel insurance.
Who underwrites LV= Flow car insurance?
LV= policies are underwritten by Liverpool Victoria Insurance Company Ltd.
The company is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
What makes it different?
Flow focuses on customers who are comfortable transacting digitally and can self-serve online, which means there are no admin fees. You can call to claim but everything else is online. The brand says being paperless allows it to offer lower prices.
What level of cover is available?
LV= Flow is only available as a comprehensive policy. If you need third party, fire and theft cover, you can get that through LV=’s car insurance.
Flow includes motor legal expenses and a guaranteed hire car when your car is out of action.
We’ve compared the features of both options below.
Feature
LV Flow
LV= annual car insurance
Renew
Annually
Annually
Price calculated
Annually
Annually
Type of cover
Comprehensive
Comprehensive or third party fire and theft
Cover abroad
Comprehensive
Comprehensive
Driving other cars cover
Third party only
Yes
Use of car
Social, domestic and pleasure, and commuting to a single workplace
Social, domestic and pleasure, and commuting to a single workplace (can be extended to business use)
Motor add-ons
Breakdown, in-car equipment plus journey continuation, protected NCD
Guaranteed hire car (basic or extended), motor legal expenses, breakdown, increased personal accident cover and protected NCD
NCD (no claim discount)
Yes
Yes
Protected no claim discount
Optional extra
Available
Amendment and cancellation fees
Cancellation fee only
Yes
How much does LV= Flow cost?
The price of car insurance is based on a long list of personal factors, such as age, driving experience, the type of car you drive, where you live and even what you do for a living. So the exact premium you pay will be dependent on your details.
What is the claims process for LV= Flow?
To make a claim, contact the company’s 24/7 claims line on 08000 304897 (or +44 0120 2848509 from abroad).
LV= recommends that you have the following details to hand before making a claim:
Your registration number, policy number and any documents relating to the claim
A crime reference number from the police if relevant
Details of any other vehicles, people or property involved in the incident
To make a windscreen or glass claim, you need to contact LV=’s recommended windscreen repairer on 0800 169 9499.
LV= Flow customer reviews
On the reviews platform Trustpilot, Flow is rated “Excellent” with a score of 4.6 out of 5 based on around 16,000 reviews (last updated January 2024).
Pros and cons
Pros
Manage your policy online 24/7
No amendment fees
Cons
No claims discount not available with this policy
You are not covered to drive other cars
Our verdict
Flow is appealing if you’re happy to manage your policy online and make amendments yourself, with no fees, but it’s a shame that the brand no longer offers monthly cover, which was a stand-out product.
Frequently asked questions
You can insure up to three cars and six drivers with LV= Flow.
Adding or removing cars and drivers from your policy can be done through your Flow account and there are no fees to pay to make the changes.
Yes. When you get a quote, you can choose to set your policy to start immediately.
Yes. Your online Flow account is the main way for you to manage your policy. You can amend your details, add or remove cars and drivers from the policy and cancel the policy altogether 24/7. There is a fee for cancelling the policy after 14 days. You’ll get a refund for the rest if you haven’t claimed. If you have claimed, you won’t get a refund.
To make any changes, you’ll need to use your LV= Flow account online. The only phone number is the claims line.
To make a claim on your policy, you can call 08000 304897 (+44 0120 2848509 from abroad) 24-hours per day, 7 days per week.
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To make sure you get accurate and helpful information, this guide has been edited by
Liz Edwards
as part of our
fact-checking process.
Ronny Lavie was a deputy editor at Finder, specialising in insurance content. She has almost a decade of experience writing about financial topics, including five months spent as the interim managing editor for the Fintech Times newspaper. Ronny has a Master of Arts in Creative Writing from London Middlesex University.
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