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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.
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
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