Flow monthly car insurance on subscription

We understand you'll want to budget, so instead of giving you a fixed monthly price, you’ll get a maximum price every three months based on your current circumstances. Your exact monthly price will show in your Flow account seven days before you pay and you’ll get an email too, so you always know where you stand. 

Why don't I have a fixed monthly price?

Because we always want to give you our best price. At Flow loyalty matters, so we make sure you don't pay more than a new customer. 

You’ll never pay more than your guaranteed maximum price each month (as long as your circumstances remain the same), so you’re always in control.

So, what could my price look like over 3 months?

Let’s break it down: you could potentially get £40 as your maximum monthly price, but in month two, as your personalised pricing can change, your price could drop to £35. In month three, your price might be £37, but it will never be more than your maximum £40.  

We recalculate your maximum price guarantee every three months. We have rules around how much your premium can increase while you're insured with us, but there are no rules around how much it can decrease. 

You can cancel your insurance subscription cover at any time; just log in to your account and select cancel. We'll refund any money due to you less a charge for the time you've been on cover.

If your insurance requirements change and we're no longer able to insure you, you'll need to arrange cover elsewhere and review your insurance subscription with us.

You can change your subscription and levels of cover through your online account.

If you make a change to your subscription cover (change a car or add a driver, for example) we'll give you a new price and update your maximum price right there and then.

In a nutshell, by you uploading a photo of your driving licence or your driving licence number, it means we don’t need to ask you as many questions. The average car insurance application includes over 45 questions, but if you upload a photo of your licence when you get a quote with Flow, we’ll only need to ask you 16. This is because your driving licence details allow us to get all the information we need from the DVLA, without us having to ask you. Plus, we know it’s 100% correct. This way, we can give you an accurate quote with no surprises down the road. Oh, and in case you were wondering, we won’t store the photo of your licence, we’ll only use it to verify everything at the time of you getting a quote. Time saving and more accurate? Sounds good to us. 

Don’t worry, if you don’t want to take a photo of your licence then you can enter your details manually. 

With Flow, our monthly car insurance, you pay a monthly price based on your circumstances rather than an annual price. 

Yes. If you chose Flow, our monthly car insurance, you’ll get flexibility, no fees and the ability to cancel anytime, but you won’t earn no claim discount (NCD). Find out more about NCD and your insurance. 

Flow is all about you. So, when we calculate your premium, we do it based on your personal circumstances rather than on a standard set of questions. 
Instead of giving you a fixed monthly price, with Flow car insurance, you’ll get a maximum price every three months based on your current circumstances. Your exact monthly price will show in your Flow account seven days before you pay and you’ll get an email too, so you always know where you stand. 

Plus, you’ll never pay more than your guaranteed maximum price each month (as long as your circumstances remain the same), so you’re always in control.

If you’re always on the move and don’t want to be locked into an annual contract, monthly, subscription car insurance might be for you. You can make changes, add or remove drivers, add optional extras or cancel your cover at the tap of a button, all with no admin or cancellation fees. It’s fast and hassle free. Plus, Flow offers 24/7 access to your account, so you can log in, see your documents and make changes anytime you like.