Frequently asked questions about our Flow Annual car insurance

How can we help?

Hot Topics

All the answers to the most common things people ask us or search on our website.

Cover

From modifications to driving abroad… what’s covered by your car insurance and what’s not?

Account

Adding a driver? Updating your details? Here’s how to make changes at the tap of a button.

Payment

Find simple answers to your questions about payments, refunds, Direct Debits and credit cards.

Breakdown

Question on our breakdown cover? From flat tyres to breaking down abroad, we’ve got your back.

Claims

Everything you need to know about claims, including if you have to make a claim.

NCD

This section covers everything you need to know about no claim discount, including how yours could be impacted if you do have to make a claim.

Hot Topics

Am I covered to drive other cars with Flow?

How do I contact you?

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.

Our dedicated Flow team will respond to you as soon as they can. To make a Flow claim, you'll need to call our 24/7 Claims Helpline on 0800 030 4897

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

How do I find my policy documents?

How do I make changes to my car insurance policy?

How do I update my card details?

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

Which cards can I use to make payments?

How do I add or remove a driver?

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.

How do I add/remove my private number plate?

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.