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 Below is only a summary of what is not covered. For full
shown below. For full details see the document of details, please see the document of insurance.
insurance. Please refer to your personal details to see the
The excess shown in your personal details – you’re
limits applied.
responsible for paying this amount if you make a claim
Comprehensive: Wear and tear including to tyres and brakes
Following an accident, we’ll cover your liability to Deliberate damage caused by you or anyone insured
other people for injury (unlimited) or damage to their on your insurance
property (up to £20 million) Loss or damage caused by theft or attempted theft
If your car or accessories are damaged by fire, theft or if you leave your car unlocked, or leave the engine
attempted theft we’ll repair the damage/replace what running, or the ignition device is left in, attached to or
is lost or stolen left in range of your car, or if you leave a window or
sun-roof open
Policyholders may have third party only cover for
driving other cars, check your certificate of motor Drivers other than those named on your certificate of
insurance motor insurance
Unlimited cover for loss/damage to factory fitted in-car Personal Accident cover will not apply if injury or
equipment death is the result of:
European Cover – cover extends to EU countries and - Suicide or attempted suicide
those countries following EU directives - The driver is proven unfit through alcohol or drugs
Accidental damage cover for your car - Failure to wear a seatbelt when required by law
Personal Accident cover (£10,000) for you, your Any loss, damage, liability related to a Cyber Attack
spouse/partner, and named drivers whilst in or getting Legal Expenses – accidents or prosecutions occurring
into or out of your car while not driving a car we insure you in
If you misfuel we’ll pay to drain and flush your fuel tank Optional Covers - what is not insured:
and repair any related engine damage
If your windscreen or window glass is damaged, we’ll • Protected No Claim Discount doesn’t guarantee that
repair or replace it your premium won’t increase
Guaranteed Hire Car (Small hatchback under 1.2 litre) • Breakdown Cover doesn’t include the cost of any parts
We guarantee you’ll have a hire car if yours is being used to fix your car
repaired after an accident by one of our recommended
repairers, is a total loss or is stolen and not recovered
Legal Expenses-Up to £100,000 to cover legal expenses
to recover your uninsured losses where you have an
Are there any restrictions on cover?
accident that’s not your fault, or to defend a motoring
prosecution

Guaranteed Hire Car
Optional Covers available: - The car provided will be for a maximum of 21 days
• Protected No Claim Discount (NCD) or 4 days (subject to cover being in force) after
Allows you to keep your no claim discount however we’ve paid your claim
many accidents or claims you have Legal Expenses Cover
- Claims must have a reasonable (more than 50%)
• Family Package chance of success
Cover for your in-car equipment, child car seats and - The cost of legal expenses to pursue your claim
journey continuation must be proportional to the expected benefit
• Breakdown Cover - You must use our panel legal firm unless it is
If your car breaks down we’ll repair or recover it – necessary to take your claim to court or a conflict
there are 3 cover options (see your quote/personal of interest arises
details for your level of cover) Driving other cars is restricted to the UK for
policyholders only and limited to third party only cover
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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