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In This Review
- Elephant Car Insurance: Overall Review
- Customer Reviews and Ratings
- Cost Comparison and Discounts
- Cancellation fees, phone numbers and policy documents
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Elephant Car Insurance Overall Review
Elephant is a brand of the Admiral Group, so you actually have the largest UK car insurance company behind your policy if you buy from Elephant. Prices are meant to be on the cheaper side and policies include lots of features as standard, but beware the higher cancellation fees especially if you have a black box policy.
Comprehensive policies bought direct from Elephant are loaded with some great features, including a courtesy car (in the event your car is in for repairs after being damaged in an injured incident), windscreen repair, personal injury cover, stereo cover and cover in Europe. Those looking for motor legal protection, personal injury, breakdown, key cover or premium hire car cover (a courtesy car if yours is stolen or written off after an incident) can add these features for an additional premium.
|How Good is Elephant Car Insurance?||A Good Policy Includes||Does Elephant Deliver?||Elephant Comprehensive Coverage|
|"Must Have" Features|
|Windscreen||Full repair or replacement||Full cover (less excess) if use Elephant's glass repair helpline|
|Belongings||£200+||Up to £150, if you buy the add on|
|Keys||£300+||Up to £2,000, if you buy the add on|
|Protected NCD||2 times in 3 years (standard or optional extra)||Yes, if you have at least 4 years NCD and buy the add on|
|Car recovery after accident||Included||Car delivered to Approved Repairer, your home or safe storage within 30 miles|
|Courtesy car (repairs)||Minimum 14 days||While your car is being repaired in their body shop|
|Repairs guaranteed||12-month guarantee||Repairs by Approved Repairers guaranteed whilst you own your car; parts covered under the manufacturers guarantee.|
|"Should Have" Features|
|New car replacement||Theft or damage at least 60% of list price; cars up to 12 months old||Theft or if cost to repair more than 59% of list price; cars up to 12 months old|
|Stereo and satellite nav||Market value for manufactur fitted||Up to £1,250 or 15% of the value of your car, whichever is the lower.|
|Alternative transport & Hotel after accident||£250+||Not included|
|24-hour emergency helpline||Standard||For roadside emergencies following an insured accident and glass repairs|
|Courtesy car (total loss or theft)||Standard or add-on extra||Up to 21 days, if you buy the Hire Car add on|
|Motor legal expenses||Standard or add-on extra||If you buy the add on|
|Breakdown cover||Standard or add-on extra||If you buy the add on (3 levels available)|
|"Could Have" Features|
|Same cover in EU||Standard or add-on extra||Up to 90 days per policy year included|
|Child car seat replacement after accident, theft, fire||Ideally replaced even if no visible damage||Cost of a replacement car seat of a similar model and standard, if car involved in insured accident.|
|Larger/premium courtesy car||Standard or add-on extra||Not available|
|No fault NCD protection||Standard||Not included|
|Uninsured driver NCD protection||Standard||Included|
|APR on monthly instalments||Ideally under 18%||Variable|
|Cancellation fee||No more than £50||Cancellation fees start from £25 during first 14 days and £49.50 afterwards|
Elephant Car Insurance Customer Service Reviews and Ratings
To find out how customers rate Elephant car insurance, we scoured customer reviews from Trustpilot and Reviews.co.uk to see what people have to say and look for any common complaints.
|Elephant Ratings & Customer Reviews|
|Trustpilot customer service rating||3.5 out of 5|
Over 500 customers have reported an average customer experience with Elephant, awarding the brand with an average of 3.5 out of 5 stars on Trustpilot. Reading the reviews, customers seem to have a mixed experience with most customers ranking Elephant either with 5 stars or 1 star—in fact, 50% have given Elephant an "Excellent" 5-star review, and 36% have said their experience was "bad" (1 star).
Here are a few positive comments from real customers who have left a review on Trustpilot:
"Very good and competitive prices. Easy to use online and very understanding. Highly recommend."
"Best insurance company I have ever dealt with. I am shocked to see bad reviews. They couldn't have done more to help. My daughter was living in Spain for 6 months as part of her uni degree and they extended her European cover at no extra cost. Also gave me an unbeatable quote for my sons insurance. Staff on the phone friendly and helpful. Honestly the best experience I have had dealing with any insurance company."
The negative reviews are not uncommon in the car insurance industry, largely related to cancellation fees, higher renewal prices and claims. We should note that cancellation fees are quite common in the car insurance market. To avoid the issue of higher renewal fees, before you accept a renewal always compare the market the see what kind of premium other companies offer you. Here is a sample of the negative complaints:
"They automatically renew your insurance policy and do not warn about it (although the contract states that they must warn in advance)... As a result, I decided to cancel the insurance and they returned the money to me, but they deducted the fee (20 pounds) for canceling the insurance and for 3 days of using the insurance."
"Was with elephant for 4 years with no claims, I did a comparison for an upcoming renewal and found a huge array of quotes for much less than I was currently paying, they refused to match and even quoted me a higher figure for the coming year without any reason. I've since switched."
Elephant received a 5-star rating for their car insurance from defaqto, which is a measure of the features on offer not customer service.
Elephant Car Insurance Quote Comparison
Elephant car insurance is designed to be a budget option, and from our analysis we can tell their prices are amongst the most competitive on offer in the market. Our recent check for a sample 30-year-old driver of a 2017 Ford Fiesta showed Elephant prices were in line with Admiral and Diamond, which is not a surprise as they are all Admiral Group brands.
These quotes are not meant to be representative of what you might pay since many factors like your age, driving experience, car and even your post code will affect your rates—but they can show you where Elephant falls in relation to other brands when it comes to price.
|Average premium over 50 sample post codes for a 30-year-old driver of a Ford Fiesta|
Quotes will vary drastically for different profiles, so you may need to pay more or less than these rates, but this information can give an idea of how an insurance provider tends to compare in terms of price.
Elephant Car Insurance Discounts
Elephant offers some common car insurance discounts, such as lower prices for a safe driving history, no claims discounts and paying in full every year. Plus they have black box policies to help those without experience access lower premiums.
|No Claims Discount||Each year you don't make a claim should increase your no claims discount|
|Pay upfront||Pay your full premium at the start of the policy to save money (variable APR)|
|Buy your policy early||Try to buy your policy around 3 weeks ahead of the start date to save up to 50%|
|Black box||Telematics policies can lower the premium for new drivers|
No Claims Discount
The average No Claims discount received by customers in 2018 was up to 37% with nine years of no claims bonus. The percentages below are based on the following EUI Limited brands: Admiral, Bell, Diamond and Elephant.
|Number of years No Claims Bonus Average NCB||Discount in 2018|
|One year NCB||2%|
|Two years NCB||14%|
|Three years NCB||16%|
|Four years NCB||26%|
|Five years NCB||27%|
|Six years NCB||27%|
|Seven years NCB||30%|
|Eight years NCB||33%|
|Nine years or more NCB||37%|
Elephant has a dizzying array of cancellation or change fees and charges, and even charges if you cancel during the first 14 days—Elephant's standard vehicle policy cancellation fees are essentially the same as the average cancellation fees across the UK car insurance market. If you anticipate cancelling your policy (e.g., if you're planning to sell your car) then you might want to keep these fees in mind. For a full list of their fees and charges click here.
|Elephant cancellation charges||During first 14 days||After 14 days|
|Regular car insurance policy||£25||£49.50|
|LittleBox/Safe Driver (if the unit has been installed)||£125||£149.50|
|Plug & Drive (£50.00 will be refunded if unit is returned within 30 days of cancellation)||£75.00||£99.50|
The administration fee for making a change such as adding a driver or changing your address starts from £25 for a regular policy.
Important Elephant Car Insurance Phone Numbers
Customers can reach Elephant customer service 7 days a week, although with limited hours at the weekend. There's no online live chat feature, but phone customer service lines are open Mon - Fri 8am - 8pm, Sat 9am - 5pm and Sun 9:30am - 4pm.
|Elephant Car Insurance Contact Numbers|
|Customer Services||0333 220 2006|
|Claims (open Mon - Fri 8am - 9pm, Sat 9am - 5pm and Sun 10am - 4pm)||0333 220 2039|
|Renewals (open Mon - Fri 8am - 8pm, Sat 9am - 5pm and Sun 10am - 4pm)||0333 222 6719|
|To pay by direct debit||0330 134 3230 or 0333 220 2086|
|Calling from abroad||+44 2920 601 298|
|24 Hour Helplines|
|Roadside emergency (following an Insured Incident)||0800 600 840|
|Glass Repair Helpline (open 24 hours a day)||0333 220 2027|
|Breakdown service||0800 458 9283|
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