Independent guide — VIP Claims is not affiliated with Flow Insurance.
How to Make a Flow Insurance Claim
Allianz Insurance plc (formerly marketed under the Flow brand, owned by LV=)
The short answer
Flow was a digital motor insurance brand; Allianz's own announcement confirms it rebranded its Flow-branded car insurance product to Allianz in March 2024. There is no current first-party Flow claims page — existing policyholders should use Allianz's own channels or check their policy documents for the servicing details that now apply.
VIP Claims — independent
Was the accident not your fault?
If another driver was at fault, you may have options beyond claiming on your own Flow Insurance policy. VIP Claims Ltd is an independent accident management company and can check, free of charge, whether we're able to manage the claim for you. Eligibility depends on the circumstances of the accident, and nothing is guaranteed.
This is a VIP Claims contact number, not a Flow Insurance number. VIP Claims Ltd is not affiliated with or endorsed by Flow Insurance.
Costs
Excess and your no-claims discount
Not applicable — no current first-party Flow claims page was found.
Your policy schedule sets your compulsory and voluntary excess — check it before assuming an amount. See also our guide to non-fault claims.
Staying mobile
Courtesy car or replacement vehicle
Not applicable — no current first-party Flow claims page was found.
Provided under your own cover, usually only while the car is with an approved repairer, and typically a small standard model.
Where another driver is at fault and you are eligible, a like-for-like vehicle may be arranged as part of the claim against them.
A hire vehicle supplied on credit, with the cost pursued from the at-fault insurer. Subject to eligibility and your obligations if the claim fails.
None of these is automatic. Read more in our replacement vehicle guide.
Repairs
Approved repairers and your choice of garage
Not applicable — no current first-party Flow claims page was found.
Your options
If the accident wasn't your fault
After a non-fault accident you generally have three routes. Which suits you depends on your cover, your excess, and how quickly you need a vehicle.
Claim through Flow Insurance
- Simplest single point of contact.
- Your excess is usually payable first and recovered later if liability is admitted.
- The claim is recorded against your policy, which can affect renewal even when you are not at fault.
Claim against the at-fault insurer
- No excess payable to your own insurer.
- You deal directly with the other side, which can be slower if liability is disputed.
- You are responsible for evidencing your losses.
Use an independent accident manager
- VIP Claims can handle repairs, recovery and the claim where you are eligible.
- Services are subject to eligibility and the circumstances of the accident.
- Not guaranteed, and not a substitute for your policy obligations.
Whichever route you choose, most motor policies require you to notify your own insurer of the accident, even if you do not make a claim on your own policy. Check the notification condition in your policy wording.
VIP Claims — independent
Was the accident not your fault?
If another driver was at fault, you may have options beyond claiming on your own Flow Insurance policy. VIP Claims Ltd is an independent accident management company and can check, free of charge, whether we're able to manage the claim for you. Eligibility depends on the circumstances of the accident, and nothing is guaranteed.
This is a VIP Claims contact number, not a Flow Insurance number. VIP Claims Ltd is not affiliated with or endorsed by Flow Insurance.
Existing claims
Tracking an existing Flow Insurance claim
Not applicable — check your policy documents or renewal correspondence, which should confirm whether your cover is now serviced under the Allianz brand.
If something goes wrong
Complaining about a Flow Insurance claim
Not applicable — no current first-party Flow claims page was found.
Questions
Flow Insurance claims: frequently asked questions
Is Flow Insurance still an active car insurance brand?+
Who owned the Flow brand?+
Where this came from
Sources
The Flow Insurance details on this page were taken from Flow Insurance's own published information on the dates shown. Insurers change contact details and processes, so please confirm anything important in your policy documents.
- Allianz to bolster brand presence in 2024 — checked 5 June 2025
Read our editorial policy and correction process.
Related guides
- Non-fault claims explainedYour rights and options when the accident wasn't your fault.
- What accident management isHow an independent accident manager differs from your insurer.
- Replacement vehiclesCourtesy cars, like-for-like hire and who pays for them.
- Car accident checklistWhat to do and record in the first minutes after a crash.
- Write-offs and total lossHow valuations work and how to challenge a low offer.
Other insurer claim guides
VIP Claims Ltd is an independent UK accident management company. We are not affiliated with, appointed by or endorsed by Flow Insurance, and we are not an insurer. This guide is general information, not legal or financial advice.
Our services — including replacement vehicles, repairs and excess recovery — are subject to eligibility and the circumstances of your accident, and are not guaranteed. You should check your own policy for its accident notification requirements.