Flow Car Insurance
Insurance Product Information Document
Company: Liverpool Victoria Insurance Company Limited.
Registered in England and Wales number 3232514 is authorised by the Prudential Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority, register number 202965.
Product: Flow Car Insurance
This document summarises key information you need to know about Flow Car insurance. As no advice is given, it should be read
together with the document of insurance and your personal details so you understand the full terms and conditions, including limits
that apply. Please also refer to these documents for how to claim, how to make a complaint and your rights under the Financial
Services Compensation Scheme (FSCS).
What is this type of insurance?
All motorists are required, by law, to insure their cars in order to drive them on roads and in public places. Car insurance meets
this requirement and provides financial protection in the event of an incident which causes damage or injury.
What is insured? What is not insured?
The cover available and a summary of the limits are shown Below is only a summary of what is not covered. For full details,
below. For full details see the document of insurance. Please please see the document of insurance.
refer to your personal details to see the limits applied.
The excess shown in your personal details – you’re
Comprehensive: responsible for paying this amount if you make a claim
Following an accident, we’ll cover your liability to other people Wear and tear including to tyres and brakes
for injury (unlimited) or damage to their property (up to £20 Deliberate damage caused by you or anyone insured on
million) your insurance
If your car or accessories are damaged by fire, theft or Loss or damage caused by theft or attempted theft if you
attempted theft we’ll repair the damage/replace what is lost leave your car unlocked, or leave the engine running, or the
or stolen ignition device is left in, attached to or left in range of your
Unlimited cover for loss/damage to factory fitted in-car car, or if you leave a window or sun-roof open
equipment Drivers other than those named on your certificate of
European Cover – cover extends to EU countries and those motor insurance
countries following EU directives Personal Accident cover will not apply if injury or death is
Accidental damage cover for your car the result of:
Personal Accident cover (£10,000) for you, your spouse/ - Suicide or attempted suicide
partner, and named drivers whilst in or getting into or out of - The driver is proven unfit through alcohol or drugs
your car - Failure to wear a seatbelt when required by law
If you misfuel we’ll pay to drain and flush your fuel tank and Legal Expenses – accidents or prosecutions occurring while
repair any related engine damage not in the insured car
If your windscreen or window glass is damaged, we’ll repair or
Optional Covers - what is not insured:
replace it
Guaranteed Hire Car (Small hatchback under 1.2 litre) We • Protected No Claim Discount doesn’t guarantee that your
guarantee you’ll have a hire car if yours is being repaired after premium won’t increase
an accident, by one of our recommended repairers, is a total • Breakdown Cover doesn’t include the cost of any parts used
loss or is stolen and not recovered to fix your car
Legal Expenses-Up to £100,000 to cover legal expenses to
recover your uninsured losses where you have an accident
that’s not your fault, or to defend a motoring prosecution Are there any restrictions on cover?
Optional Covers available:
• Protected No Claim Discount (NCD)
Guaranteed Hire Car
Allows you to keep your no claim discount however many
accidents or claims you have - The car provided will be for a maximum of 21 days or 4
days (subject to cover being in force) after we’ve paid your
• Family Package claim
Cover for your in-car equipment, child car seats and journey Legal Expenses Cover
continuation
- Claims must have a reasonable (more than 50%) chance
• Breakdown Cover of success
If your car breaks down we’ll repair or recover it – there are - The cost of legal expenses to pursue your claim must be
3 cover options (see your quote/personal details for your proportional to the expected benefit
level of cover) - You must use our panel legal firm unless it is necessary to
take your claim to court or a conflict of interest arises
Driving other cars is excluded
Continued...
Are there any restrictions on cover?
European cover is for up to 180 days per policy year provided
your car is registered and normally kept in Great Britain
Optional Covers:
• Family Package
- In-car equipment cover is limited to £1,000 where not
installed as part of the vehicle manufacturers original
specification
• Breakdown Cover
- Roadside Assist (Local) – no cover within ¼ mile of
your home
Where am I covered?
Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man and the Channel Islands.
When driving in EU countries and those following EU Directives, you’ll have the same level of cover as you have in the UK for
up to 180 days per policy year provided your car is registered and normally kept in Great Britain.
What are my obligations?
• At the start of the policy you must give complete and accurate answers to any questions we may ask you.
• You must let us know if your circumstances change either before your cover starts or during the period of insurance via your
online portal. This includes if you change your car, the registered keeper, main driver, or want to add an additional driver,
change of occupation, change of address or changes which improve its value, appearance, performance
or handling.
• Premiums must be paid on time.
• You should make sure your car is regularly maintained, kept in a road legal condition and has a valid MOT (if one is needed).
• If we’ve said you need to fit or you already have a tracking device, it should be on and working when your car is left
unattended. Ignition devices must also be removed, windows and sun-roofs closed and all doors locked.
• If you need to make a claim you must give us full details as soon as possible.
When and how do I pay?
The premium for this annual policy may be paid in one single amount or, if offered, by monthly debit card payments (subject to a
credit agreement). Annual payments may be made by credit or debit card and monthly payment may be made by debit card only.
Monthly debit card payments will be due on the same date each month.
When does the cover start and end?
The policy is for a period of one year and is renewable each year. Your policy start and end dates will be confirmed in your policy
documents.
How do I cancel my policy?
Cancel your policy via the online portal. If you inform us:
- Within 14 days of receiving your documents – we’ll refund any money you’ve paid, less a charge for the cover you’ve had. If
you cancel before your policy starts, no charges will be made.
- After 14 days, if you’ve not made a claim, we’ll refund any money you’ve paid, less a charge for the cover you’ve had and a
cancellation charge of £40. If you’ve made a claim, no refund will be paid.
- At renewal, if you renew but then decide to cancel, as long as you tell us before the renewal date we’ll refund what you’ve paid
in full. If you cancel after your renewal date has passed you will be charged in line with cancellation rules above.
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