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Manage your Flow Annual car insurance cover online. 24/7. No phones. No need to wait. Easy.

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What would you like to get in touch about?

We're digital-first so it's all online and we only use the phones if you need to make a claim.

Frequently Asked Questions & How to guides

Make a Flow Car claim

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.

If another person or vehicle was involved:

Exchange details including names and addresses, phone numbers, registration numbers, makes and model
If someone's injured, call the emergency services immediately
Avoid discussing who was to blame, even if you think it's obvious

To help us handle your claim quickly, make a note of:

Date, time, and location
What led to the incident
Names and contact details of any witnesses and/or police
Any injuries caused to anyone involved

It may help to provide photographs taken at the scene or details of any CCTV cameras covering the area.

When to call the police:

If the other driver doesn’t have insurance, flees the scene or refuses to provide their details

If you think they caused the damage on purpose or could be under the influence of alcohol or drugs

If you need to speak to us urgently, we’ll be there for you 24/7.

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

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.

Broken down?

Make a Flow Renters claim

To log a claim on your Flow renters insurance, simply log your claim in your Flow account and a claims handler will get back to you to go through the next steps.

Once you’ve reported your claim online, we’ll be in touch within 48 hours to run through the details and explain what happens next.

If you need to speak to us urgently, we’ll be here for you 24/7.

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

> Log a Flow renters claim

> Find out more about our car and renters claims process

Still not found what you're looking for? We're here to help...

Flow is designed to be straightforward, and most changes can be made any time on your self-serve online account. You can always check out our how-to guide to help you along the way.

If you have any Flow related queries, or need to tell us about a technical difficulty, please email us detailing your query along with your full name, postcode, and vehicle registration. This will help us locate your policy. We're on it and we'll normally get back to you within 24 hours, in most cases redirecting you to our help pages.

Sometimes it can take us a little longer. Don’t worry, we’re probably just a little busier than usual. Please don’t email again if you’re waiting for a reply, as this can delay us getting back to you and other customers.