Flow monthly renters insurance FAQs
Frequently asked questions about Flow rentersPayments
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.
We’ll confirm your maximum monthly price via email and in your account immediately after any amendment or subscription renewal has been processed.
We’ll also email you your next month’s exact price seven days before the expiry of your current subscription period.Your first payment will be taken on the day you buy your subscription. After that, your monthly payments will be taken on the day of the month your subscription started.
For example, if you buy your subscription on the 1st for it to start on the 5th, we will take the initial payment on the 1st but for the following months, your payment will be taken on the 5th.
If your cover starts on a day that doesn't fall in every month, don't worry – we'll just take the payment on the last day of the month.
You can view your payment history and current price in your account at any time.
If your payment fails, we will attempt to take the payment again in 7 days. If the second payment attempt fails, we will cancel your subscription the next day. We'll email you to let you know about your payment failing and confirm the above.
Once the cover is cancelled, you'll need to get a new quote.
Claims
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.
When you make a claim on your Flow subscription, we use the current status of the claim to calculate your premium.
When you make a claim you’ll continue to be protected by our maximum premium guarantee* until it expires.*Unless you've made any changes to your cover.
Cover details
Your contents need to be insured for the amount that it would cost to replace them as new.
When you're trying to work out the value of all your belongings, it's easy to underestimate the total value. It's things like household goods, electrical items, TVs and computers, clothes, linen and personal belongings like books, CDs, jewellery, musical instruments and bikes.
Yes, we cover contents in your garden and outside space up to a total of £1,500. You need to select our optional accidental damage option to cover breakages.
The outside space needs to belong to the property.
We cover contents in your garden up to £1,500, but you’re not automatically covered for accidental damage.
You need to select our optional accidental damage option to cover breakages. If the item is worth more than £1,500, you will need to specify it so it’s covered inside and outside your home.
Say your excess is £100 and you made a claim for an item that costs £1,000 to replace. We would pay £900 and you would pay your £100 excess.
You’ll also need contents cover for your landlord's furniture if your rental agreement makes you responsible for them.
First things first, what are fixtures and fittings?
Fixtures and fittings are parts of the property which can’t be moved around. A list of fixtures and fittings and their condition will be noted in the inventory from your landlord, but in a nutshell, fixtures and fittings usually include things like bathroom suites, fixed glass, radiators, kitchen work tops and units. Remember, fixtures and fittings don’t include furniture or furnishings like sofas or beds.
What am I covered for?
We’ll cover you up to £10,000 for loss or damage to any fixtures and fittings that your landlord has made you responsible for. However, you’ll need to select our optional accidental damage cover for accidents like breaking a window or cracking a bathroom sink. This section of cover doesn’t include furniture or other contents items owned by your landlord, as your landlord should insure these items.
If you’re unsure about what the fixtures and fittings in your property are, you can find out what they are and what your landlord has made you responsible for in your tenancy agreement.