A domain decomposition method which couples a high and a low-fidelity model is proposed to reduce the computational cost of a flow simulation. This approach requires to solve the high-fidelity model in a small portion of the computational domain while the external field is described by a Galerkin-free Proper Orthogonal Decomposition (POD) model. We propose an error indicator to determine the extent of the interior domain and to perform an optimal coupling between the two models. This zonal approach can be used to study multi-body configurations or to perform detailed local analyses in the framework of shape optimisation problems. The efficiency of the method to perform predictive low-cost simulations is investigated for an unsteady flow and for an aerodynamic shape optimisation problem.