Level of cover
This is sometimes referred to as 'Class 3 Business use'. It would allow you to travel to one or more places of work, covers the transportation of people in connection with your business and also covers commercial travelling and soliciting for orders.
If the vehicle has any other changes to the standard specification (Not including optional extras added at manufacturing stage) then unfortunately we are unable to insure it.
You'll have the same level of cover you have in the territorial limits (Fully Comprehensive) while you're travelling in EU countries and any other country that follows the EU rules, as long as your car isn't abroad for more than 180 days during your period of cover. Your car needs to be registered and usually kept in Great Britain.
You no longer need to carry a green card if you're driving within EU countries or those that follow EU Directives.
When on your Account homepage, click on the account details tile and there will be an option to select automatic renewal. Deselect the box and this will remove the automatic renewal on your policy.
To view your documents or amend your cover, you’ll need to log in to your account and make any outstanding payments. If this doesn’t fix the problem, email firstname.lastname@example.org and we’ll be happy to look into it for you.
To make changes to your policies, you'll need to log in to your online account and make the changes to each individual policy you have with us.
For example, if you need to declare a conviction or claim, you'll need to update each policy.
If you've sold your car and do not have a new car to insure, you'll need to cancel your policy via your online account.
If you've replaced your car with a new one and need to insure it, you can arrange to transfer your policy over to the new car online via your account.
We already have your details and the details of the drivers on your current policy, so all you need to do is tell us about the new car. We'll need your vehicle registration number, whether there are any changes to the manufacturer's standard specification and finally if there's any change in how you use the vehicle.
With Flow, you're in control of your policy. Although you can't make temporary amendments, you can log into your account and make changes you may need through the policy year such as add or removing drivers.
Please be aware that we do restrict the number of amendments that can be completed in a policy year.
*You may have to pay an accidental damage excess - we'll tell you how much that is when you phone to make a claim.
If you have breakdown cover with your Flow Annual car insurance, we’ll be there for you 24/7, just give us a call using the number below.
Calls will be recorded. For Text Phone, first dial 18001.
If you need a hand, head to our helpful how-to guides or look for answers to all the most common queries in our Flow FAQs.
Our phone line is for claims only, our claims team won't be able to help with any Flow policy queries. You can do everything else online in your Flow Account, it's quick and easy.
If your car is written off or stolen and not recovered, you'll receive one for 21 days, or 4 days from the date the claim payout is made (whichever is sooner).
If you don’t keep your claims information up to date, this could result in your policy being cancelled.
New Car Replacement is included as standard on your Flow Annual policy. We’ll look to replace your car with a new one if it’s involved in a claim and written off, providing the car is less than a year old and you or your partner are the first and only registered keeper.
The replacement vehicle will be of the same or similar specification. You’ll find all the details in your document of insurance in your account.
We offer a range of optional extras to enhance your car insurance:
- Family package: covers your in car equipment, journey continuation and child car seats
- Protected NCD - option to protect your no claim discount for the life of your policy
- Breakdown cover from LV= Britannia Rescue. You can choose from our 3 levels of cover
Find out more about our optional extras.
No Claim Discount (NCD)
To qualify for this optional extra, you need to have earned four or more years NCD. If you wish to add protected NCD cover to an existing policy, you can do this in your online account but you cannot add it if you've had a claim that would impact your NCD.
Green Cards will not be issued as part of this policy.
The same rules apply if you're towing a caravan/trailer.
However, we usually have the records updated within 1-2 days (subject to the date/time of the change).
If you've insured your vehicle, and have received your certificate of insurance and personal details confirmation, then you're insured until the record can be updated.
If you've declared your car as being off road, you can't drive it until the vehicle is re-taxed and declared as being back on the road.
You'll no longer be able to drive the insured car and will need to either be removed from the policy or if you're the policyholder, unfortunately the policy will need to be cancelled.
If your licence has expired and you're insured with us, you're still insured with us, but you'll need to visit gov.uk/view-driving-licence to renew your licence immediately.
You can view your saved quotes in your account at any time, but you won't be able to buy them once they’ve expired. If you want a valid up-to-date quote, simply start a new one.
A car insurance excess is the amount you have to pay out yourself if you make a claim. There are two types of excess:
- Compulsory excess - this is a fixed excess, set by us, which you'll have to pay if you make a claim. The amount varies depending on your circumstances
- Voluntary excess - this is the amount that you agree to pay, in addition to your compulsory excess, if you make a claim. People agree to a voluntary excess in return for a lower premium.
Please check your insurance documents for confirmation of your payable excess.
For example, if we've set a compulsory excess of £250 and you choose a voluntary excess of £100, the total excess you will need to pay in the event of a claim would be £350.
Yes, with Flow Annual car insurance, you can cover a car that's previously been written off as either a Category S (Cat S) or a Category N (Cat N), provided it's roadworthy and has an MOT, if applicable.
So, what’s the difference between Cat S and Cat N?Cat S means the car has sustained damage to any part of the structural frame or chassis which requires realignment to its original dimensions or replacement of these parts. A minor, localised repair on a panel that's been identified as structural, wouldn't necessarily be considered realignment of a structural panel.
Cat N means the car hasn’t sustained damage to the structural frame and doesn’t need its chassis replaced or realigned to original dimensions. There may still be some safety critical items that need replacing, such as steering and suspension parts.
If you've provided your Driving Licence number, there's no need to inform us.
If you've self declared your licence history, you need to log in to your account and update your details with the conviction/endorsement. You'll need to enter the date of the conviction and the conviction code, which you'll find at https://www.gov.uk/view-driving-licence
If you've been disqualified from driving, the policy will need to be cancelled. You can do this in your account.
If one of your named drivers has been disqualified from driving, please make arrangements to remove them from the policy in your account.
You can check online to see what vehicles you can drive on the GOV.UK website by entering your driving licence information.
We also have a helpful article around driving licence categories and what they all mean.