Question 1

If I cancel my Flow subscription half way through the month am I entitled to a refund?

Accepted Answer

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.

Question 2

How do I change my details on my subscription?

Accepted Answer

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

Question 3

What happens if I make a change to my subscription cover?

Accepted Answer

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.

Question 4

Why can’t I just be on my parent’s policy?

Accepted Answer

You need to be clear with your insurer about who drives the car the most, so you cannot state that someone else is the main driver if you’re driving the car more than them. This is called ‘fronting’. Whoever is driving the car the most is the ‘main driver’, with any other drivers being ‘named drivers.’ If you’re not honest about this, it’s considered fraud, so being upfront with your insurer will make things a whole lot simpler in the long run.

Question 5

Why do we ask for a photo of your driving licence?

Accepted Answer

Why do we ask for a photo of your driving licence?

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.

Question 6

What’s the difference between monthly subscription car insurance and an annual policy?

Accepted Answer

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

Question 7

Is there anything I don’t get with monthly car insurance that I would with an annual policy?

Accepted Answer

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.

Question 8

How do you calculate my monthly car insurance price?

Accepted Answer

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.

Question 9

What are the benefits of monthly car insurance?

Accepted Answer

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.

Haven't found what you're looking for? No worries, you can visit our FAQ hub.

Question 10

We'll give you a guaranteed price every 3 months

Accepted Answer

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.

Question 11

What happens to my maximum guaranteed price after three months?

Accepted Answer

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.

Question 12

What happens if I make a change to my cover or details?

Accepted Answer

Flow is all about flexibility. We understand no two months are the same, which is why Flow allows you to add or remove drivers, change or add cars and more. There are no fees for making a change but your maximum price guarantee will be updated to reflect the changes made.

Question 13

Why do I get a guaranteed price every 3 months?

Accepted Answer

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.

Question 14

Why don't I have a fixed monthly price?

Accepted Answer

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.

Question 15

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

Accepted Answer

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.

Question 16

What happens to my maximum guaranteed price after three months?

Accepted Answer

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.

Question 17

What happens if I make a change to my cover or details?

Accepted Answer

Flow is all about flexibility. We understand no two months are the same, which is why Flow allows you to add or remove drivers, change or add cars and more. There are no fees for making a change but your maximum price guarantee will be updated to reflect the changes made.

Flow monthly car insurance on subscription

So, why choose Flow, our monthly car insurance cover?

So, how does our monthly subscription pricing work?

Why don't I have a fixed monthly price?

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

Optional extras

Guaranteed hire car

Motor legal expenses

New to car insurance? Whether you're a first time driver or have been named on someone else's policy

Why do I need car insurance?

How can I get cheap insurance?

How can Flow help?

Ready to get a monthly car quote?

Frequently asked questions

Learn more about the nuts and bolts of Flow – the documents are all here

Get to know Flow a little better

11 things you need to know about Flow monthly car insurance

Click and cruise: the future of car insurance

No NCD? What does it mean for your car insurance

Ready to go with the Flow?