Flow

mjn

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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

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

mjn

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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

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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

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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.
 

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