Flow annual car insurance

You're in control with flexible online car insurance from £237 a year *

Manage your annual car insurance cover online, 24/7. No phones. No need to wait. Easy. *based on 10% of customers between Jan-June '22.

Get a Flow Annual car quoteGo to your Flow account

So, why choose Flow Annual car insurance?

Value for money
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
With friendly UK based call centres there if you need to make a claim day or night, we’re proud to be part of the LV= family. We pay out on 99% of claims, based on figures from Jul '21 - June '22.

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

Loyalty matters
Your renewal price will always be the same or cheaper than if you were a new customer.

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. Find out more 

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

Customer support
We're here for you when you need us. Get in touch via email or have a browse through our FAQ hub

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.

Frequently Asked Questions

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?

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? By managing your policy online, you can log in and customise your cover or make changes whenever you like. 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.  

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

Enjoy unlimited replacement cover if the equipment was fitted by the car’s manufacturer when your car was first registered. If it wasn’t, we’ll pay up to £1,000 for fitted or portable equipment. That’s entertainment!

Need breakdown cover? Things are looking up

Starting from just £26 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.

How does Flow Annual car insurance compare out there?

We're proud of how our annual cover stacks up against the competition. And it's easy to see why...

  Flow Annual Car Insurance (excl Family Package) Admiral Darwin Hastings Direct Quotemehappy.com
 Personal Accident (Standard)  £10,000  £5,000 £5,000 £5,000 £1,000
 Foreign Use  yes  yes
yes  yes  No
 Foreign Use - Max days free  180 days  90 days         90 days         Unlimited  No
 Misfuelling - Drainage yes  No No
 No No
 Road Rage cover yes  No No  Optional   No

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