LV= Flow car insurance review

LV= Flow offers annual car insurance cover that can be managed online 24/7. Find out what it includes and whether it's right for you.

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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.

FeatureLV FlowLV= annual car insurance
RenewAnnuallyAnnually
Price calculatedAnnuallyAnnually
Type of coverComprehensiveComprehensive or third party fire and theft
Cover abroadComprehensiveComprehensive
Driving other cars coverThird party onlyYes
Use of carSocial, domestic and pleasure, and commuting to a single workplaceSocial, domestic and pleasure, and commuting to a single workplace (can be extended to business use)
Motor add-onsBreakdown, in-car equipment plus journey continuation, protected NCDGuaranteed hire car (basic or extended), motor legal expenses, breakdown, increased personal accident cover and protected NCD
NCD (no claim discount)YesYes
Protected no claim discountOptional extraAvailable
Amendment and cancellation feesCancellation fee onlyYes

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

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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