Q: How do I change my start date?

Simply log in to your account , cancel your current policy and set up a new policy from your chosen date. Just so you know, if you change your start date, your price may change too. If your cover has already started and you still wish to cancel you may be subject to a cancellation fee payment.

Question 1

Am I covered to drive other cars with Flow?

Accepted Answer

Policyholders may have third party only cover for driving other cars, check your certificate of motor insurance in your account. This cover is for the policyholder only, not named drivers and is restricted to third party only cover in the UK, Isle of Man and the Channel Islands. The loss or damage to the vehicle you're driving isn't covered. Refer to your Document of Insurance for further information.

Question 2

How do I contact you?

Accepted Answer

Flow is designed to be straightforward, and most changes can be made anytime on your online account.

If you do have any Flow related queries, or need to tell us about a technical difficulty, the best way to contact us is to email flowinsurance@lv.co.uk.

Question 3

How do I find my policy documents?

Accepted Answer

Log in to your account

When on your account homepage, click on the documents icon. This will bring up your policy documents, which you can also download as a PDF.

Question 4

How do I make changes to my car insurance policy?

Accepted Answer

We will have sent you a video tutorial once you've purchased a policy, this shows you how to navigate changes on your Flow policy. You can make any changes online by logging in to your account and selecting the 'your car, make changes button' or any other buttons where you would like to make a change.

Question 5

How do I update my card details?

Accepted Answer

To update your card details, log in to your account and follow these steps:

1. Click the 'payment' button on the account dashboard
2. On the payment details page, click ‘change card’
3. Agree/select the consent and click ‘change card’
4. On the change your payment card page, update your card details and click the 'confirm' button
5. Your new card details will be updated and shown on the payment details page

Question 6

Which cards can I use to make payments?

Accepted Answer

We accept all major credit and debit cards but can't accept credit cards for monthly payments. Just so you know, we don't take Diners Club, Citi Bank, American Express or prepaid cards either.

Question 7

How do I add or remove a driver?

Accepted Answer

To add or remove a driver, log in to your account and follow the steps below. Changing your drivers or editing their details could also change the price you pay.

To add a driver:

Log in to your account and select the 'your car, make changes' button.
Under 'drivers' select add another driver.
Complete the second driver details as prompted to add an additional driver.
The price will be shown for adding this additional driver and summary of all drivers will be shown on the policy.

To remove a driver:

Log in to your account and select the 'your car, make changes' button.
Under 'drivers' select edit under the driver you would like to remove.
Complete the details as prompted and this will show the selected driver removed . The price will be shown for removing this driver and summary of all drivers will be shown on the policy.

Question 8

How do I add/remove my private number plate?

Accepted Answer

Before changing your registration over, you’ll need confirmation from the DVLA that this process has been completed. Once you receive confirmation, you can log in to your account and edit your registration number under the ‘your car/make changes’ option.

Please note, your policy may be cancelled if we can’t match the vehicle's registration to the correct make and model of car which is held by the DVLA.

Question 9

How do I make a claim?

Accepted Answer

If you've been involved in a car incident, the most important thing is that you're okay. So, make sure you're safe before getting in touch - your claim doesn't have to be reported immediately if you don’t feel safe or comfortable.

Call the police immediately if:

the other drivers leave the scene or refuse to provide their details;
you believe the other driver does not have insurance;
you suspect the other driver caused the damage intentionally;
you suspect the other driver is under the influence of alcohol or drugs.

The key details you can take to ensure your claim is handled quickly and efficiently are:

date, time, and location;
note the circumstances or series of events in the lead up;
contact details of any other people involved;
license plates of any other cars involved;
names and contact details of any witnesses;
details of any injuries to any person involved.

When your ready to make a claim, we’ll be here for you 24/7.

Calls will be recorded. For Text Phone, first dial 18001.

If you've been involved in a car incident, the most important thing is that you're okay. So, make sure you're safe before getting in touch - your claim doesn't have to be reported immediately if you don’t feel safe or comfortable.

Question 10

How do I change my start date?

Accepted Answer

Simply log in to your account, cancel your current policy and set up a new policy from your chosen date.

Just so you know, if you change your start date, your price may change too.

If your cover has already started and you still wish to cancel you may be subject to a cancellation fee payment.

Frequently asked questions about our Flow Annual car insurance

How can we help?

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To add a driver:

To remove a driver: