{"id":326012,"date":"2020-08-06T17:31:52","date_gmt":"2020-08-06T16:31:52","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=326012"},"modified":"2024-12-24T08:56:33","modified_gmt":"2024-12-24T08:56:33","slug":"lv-flow","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/car-insurance\/temporary-car-insurance\/lv-flow","title":{"rendered":"LV= Flow car insurance review"},"content":{"rendered":"

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.<\/p>

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<\/a>, pet<\/a>, home and travel insurance.<\/p>

Who underwrites LV= Flow car insurance?<\/h3>

LV= policies are underwritten by Liverpool Victoria Insurance Company Ltd.<\/p>

The company is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.<\/p>

What makes it different?<\/h3>

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. <\/p>

What level of cover is available?<\/h3>

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.<\/a><\/p>

Flow includes motor legal expenses and a guaranteed hire car when your car is out of action.<\/p>

We’ve compared the features of both options below. <\/p>
Feature<\/th>LV Flow<\/th>LV= annual car insurance<\/th><\/tr><\/thead>
Renew<\/th>Annually<\/td>Annually<\/td><\/tr>
Price calculated<\/th>Annually<\/td>Annually<\/td><\/tr>
Type of cover<\/th>Comprehensive<\/td>Comprehensive or third party fire and theft<\/td><\/tr>
Cover abroad<\/th>Comprehensive<\/td>Comprehensive<\/td><\/tr>
Driving other cars cover<\/th>Third party only<\/td>Yes<\/td><\/tr>
Use of car<\/th>Social, domestic and pleasure, and commuting to a single workplace<\/td>Social, domestic and pleasure, and commuting to a single workplace (can be extended to business use)<\/td><\/tr>
Motor add-ons<\/th>Breakdown, in-car equipment plus journey continuation, protected NCD<\/td>Guaranteed hire car (basic or extended), motor legal expenses, breakdown, increased personal accident cover and protected NCD<\/td><\/tr>
NCD (no claim discount)<\/th>Yes<\/td>Yes<\/td><\/tr>
Protected no claim discount<\/th>Optional extra<\/td>Available<\/td><\/tr>
Amendment and cancellation fees<\/th>Cancellation fee only<\/td>Yes<\/td><\/tr><\/tbody><\/table>

How much does LV= Flow cost?<\/h3>

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<\/a> and even what you do for a living. So the exact premium you pay will be dependent on your details.<\/p>

What is the claims process for LV= Flow?<\/h3>

To make a claim, contact the company’s 24\/7 claims line on 08000 304897 (or +44 0120 2848509 from abroad).<\/p>

LV= recommends that you have the following details to hand before making a claim:<\/p>