Defaqto 5 star rated car insurance 2023

Flow annual car insurance

You're in control with flexible online car insurance from £259.

You can call to claim but everything else you do yourself online. No admin fees. You’re in control online. *10% of new Flow Annual customers paid £259 or less April '23 - Sept '23

Get a Flow Annual car quoteGo to your Flow account

Is Flow Annual Car Insurance right for you?

You can call to claim but everything else you do yourself online. No admin fees. You’re in control online.

 I want the convenience to be able to manage my policy myself 24/7  I want to go online and make changes quickly with no admin fees    I'd like my documents on my laptop/phone (we care about the environment too)
NO  I don't want to go online to manage my policy
 I prefer to speak to someone about my service
 I want my insurance documents on paper
(we only send out paper if you request it)

So, why choose Flow Annual car insurance?

Digital first
Our emphasis on digital self-service and paperless docs lets us pass savings directly on to you.

Extras included as standard
Motor legal expenses and a guaranteed hire car included.

24/7 claims service
Our friendly UK based claims-only call centres are there when you need us most, day or night. Why not check out our claims page...

No admin fees
We're flexible, so you're free to make changes whenever without any mid-term adjustment fees.

Simple online self-service
Want to add a driver, or make a change? With Flow, you’re in control 24/7. Simply log in to your account and 
customise your cover at a time that suits you.

Lifetime guarantee on repairs
When using our recommended repairer service, while you own the car (labour only, excludes parts).

Customer support
No waiting on the phone or live chat. 
Browse our FAQs or get in touch by email - we're here when you need us. Get to know our digital customer service team...

You could win £150 when you insure a second car with Flow!

Insure a second vehicle using your existing Flow account before the end of 31 December 2023 to enter our Monthly prize draw with one lucky customer winning £150. T&Cs apply

What's covered with Flow Annual car insurance?

From misfuelling to our uninsured driver promise, you'll get all this included...

Dings and dents
Accidently damaged your pride and joy? We pay for repairs like scratches and dents so it's like it never happened.

Uninsured drivers
You’re in an accident. It’s not your fault. And the other driver’s not insured! We’ve got your back. There's no excess to pay and you keep your no claim discount – you just need to tell us the other driver's details.

Misfuelling mishaps
Filled your car with the wrong fuel? It happens to the best of us. We pay to drain and flush your fuel tank, as well as cover the damage to the car's engine. You’ll just need to pay your excess.

Vandalism promise
We’d love to promise no vandalism but we can promise your no claim discount will remain intact if you have to make a vandalism claim – you’ll just need to pay your excess.

New locks and keys
If your keys are lost or stolen. Now where did I put those pesky things?


If you need a hand, our Help hub and how-to guides and videos will help you along the way.

Frequently Asked Questions

Take a look at our Flow customer reviews

Thanks to all our customers who've rated us on Trustpilot - 4.6 stars out of 5 is Excellent!!

Take control of your Annual car insurance 24/7

Everything you need all in one place - neatly together in your online account...

Your way. All day. Every day
No time to wait? With Flow, you’re in control 24/7. Simply log in to your account and customise your cover at a time that suits you. Easy. 

No more paper
Sick of searching for important documents? Not anymore. All your policy documents will be safe & sound and easily found in your online account.

Access all areas
Want to view your payment history or change your personal details? Everything you need is available at the touch of a button. If you'd like a hand finding something in your account, just read our FAQs...

Why not add our Family Package to your Annual car insurance for just £6 a year?

Here's what you get...

Replacement child car seats

If your car’s been stolen or damaged, we’ll provide new child seats, even if there’s no apparent damage to them. Safety first!

£500 to continue your journey

If you’re over 25 miles from where your journey began and your car can’t be driven following a claim... fear not! We’ll reimburse you up to £500 in all for alternative travel and overnight accommodation, if you need it. Just give us your receipts.

Your in-car equipment, covered

We'll pay up to £1,000 for fitted or portable equipment even if it wasn't fitted by the car's manufacturer. That's entertainment!

For equipment that was fitted by the car's manufacturer when your car was first registered, you have unlimited replacement cover included as standard already.

Defaqto 5 Star rated car insurance

  • Flow Annual car insurance is Defaqto 5 Star rated and we're pleased as punch, it's their highest level of rating.

Need breakdown cover? Things are looking up

Starting from just £32 a year, choose the cover level to suit you...


We’ll be there for you from 1/4 mile away from home and cover local recovery up to 10 miles from the breakdown. The best bit? Anyone driving your vehicle can benefit.


We've got your back if your car breaks down at home or on the road. If we can’t fix your car on the spot, we'll provide you and your car with recovery to anywhere in the UK. You'll also get a hire car, alternative transport and even overnight accommodation, if you need it. That’s next level!


We’ll be there when you need us most. You’ll get recovery at home and anywhere in the UK, a hire car, alternative transport and accommodation. The whole shebang. We’re even on hand in Europe. That road trip just got a heap less stressful.

Find out more about our breakdown cover.

If you're an existing customer and you've broken down get in touch and check out our What3Words page so we can get you on your way again.

Flow Annual or Monthly car insurance?

Compare our two types of car insurance to see what works best for you

Policy Documents

It's time to Flow...

Get a Flow Annual car quote