Flow

[mjn]

Anyone using Flow for car insurance?

Coming in cheap, but you don’t earn any NCD. It is a monthly policy rather than an annual policy.

 

[stuartk]

Never heard of them but losing your NCB that expires after two years (Bizarrely) is it worth it?

 

[mjn]

They’re an offshoot of LV, so not a tiny operator. They offer changes to policy without fees, like adding / removing drivers / cars. Prices changes every 3 months according to risk. Handy if you’ve points or claims that are going to expire in the next 3-12 months.

 

[E4BMW]

bumping this back up, @mjn who did you end up going with in the end? Mines due for renewal and Flow coming up cheapest with LV on a more traditional policy only slightly more.

Contemplating trying to find an agreed value policy as all the usual companies are valuing the car at between £9-15k which is way off imo!

 

[mjn]

I went with 1st Central. Flow were cheaper, but didn’t cover me to drive 3rd party on other cars and no protected no claims. So paid a little extra and went with 1st Central.