Elephant Car Insurance Review: The Right Price for You?

Elephant Car Insurance Review: The Right Price for You?

Generally good prices, but be aware of a few missing features.

Good for

  • Customer service open on Sundays

Bad for

  • No accommodation or onward travel in case your car is not driveable after an accident
  • High cancellation fees

Editor's Rating


The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Wondering if Elephant car insurance is any good? Elephant is part of the Admiral Group (the largest UK car insurance company) and its impressive 4.7 star App rating is a testament to their continued focus on improving the customer experience. To save up to 50%, it's important to compare Elephant car insurance quotes early, which you can do by clicking the blue "Get Quotes" button below—the panel includes Elephant plus other popular brands like Admiral, Hastings, RAC, and over 100 others.

Compare Elephant Car Insurance Quotes

Quickly compare over 100 UK insurance providers, including Elephant. You can save up to £530*.

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In This Review

Elephant Car Insurance Overall Review

Elephant Insurance offers a solid set of features, but be aware that customer ratings highlight some issues with no fault claims, high renewals and admin charges.

Elephant is a brand of the Admiral Group, so when you buy an Elephant policy you have the largest UK car insurance company behind your policy. 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. The NimbleFins car insurance experts analysed the Elephant policy documents to see how the features compare:

How Good is Elephant Car Insurance?A Good Policy IncludesDoes Elephant Deliver?Elephant Comprehensive Coverage
"Must Have" Features
WindscreenFull repair or replacement
thumbs up
Full cover (less excess) if use Elephant's glass repair helpline
thumbs up
Up to £200, personal belongings, up to £300 (any one incident) for sports equipment
thumbs up
Up to £500, as long as not lost/stolen from your vehicle
Protected NCD2 times in 3 years (standard or optional extra)
thumbs up
If you buy the add on
Car recovery after accidentIncluded
thumbs up
Car delivered to Approved Repairer, your home or safe storage within 30 miles
Courtesy car (repairs)Minimum 14 days
thumbs up
While your car is being repaired by a body shop in their network
Repairs guaranteed12-month guarantee
thumbs up
Repairs by Approved Repairers guaranteed whilst you own your car; parts covered under the manufacturer's guarantee.
"Should Have" Features
New car replacementTheft or damage at least 60% of list price; cars up to 12 months old
thumbs up
Theft or if cost to repair more than 59% of list price; cars up to 12 months old
Stereo and satellite navMarket value for manufacturer fitted
thumbs up
If permanently fitted, manufacturer equipment covered in full; aftermarket equipment up to £1,250 or market value of your car, whichever is the lower.
Alternative transport & Hotel after accident£250+
thumbs up
Not included (they will "move you and your passengers away from the accident site, if it is not safe, to the nearest local amenity")
24-hour emergency helplineStandard
thumbs up
For roadside emergencies following an insured accident and glass repairs
Courtesy car (total loss or theft)Standard or add-on extra
thumbs up
Up to 21 days, if you buy the Hire Car add on
Motor legal expensesStandard or add-on extra
thumbs up
If you buy the add on
Breakdown coverStandard or add-on extra
thumbs up
If you buy the add on (3 levels available)
"Could Have" Features
Same cover in EUStandard or add-on extra
thumbs up
Up to 90 days per policy year included
Child car seat replacement after accident, theft, fireIdeally replaced even if no visible damage
thumbs up
Cost of a replacement car seat of a similar model and standard, if car involved in insured accident.
Larger/premium courtesy carStandard or add-on extra
thumbs up
If you buy the add on (for write off or theft)
Uninsured driver NCD protectionStandard
thumbs up
APR on monthly instalmentsIdeally under 18%
thumbs up
Cancellation feeNo more than £50
thumbs up
Cancellation fees start from £25 during first 14 days and £60 afterwards

Do all claims impact your no claims bonus with Elephant? No! Here is a list of claims that do not affect your bonus:

  • payments made for windscreen damage
  • claims which are not your fault where we have recovered our money in full
  • a claim caused by an uninsured driver
  • claims for lost or stolen keys

Elephant Car Insurance Customer Service Reviews and Ratings

Elephant Ratings & Customer Reviews
Trustpilot customer service rating2.0 out of 5

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.

Is Elephant car insurance any good? While we agree that Elephant car insurance rates well for features, their customer reviews are a mixed bag. We've read through hundreds of reviews to see what real customers have to say about their Elephant car insurance experience.

Elephant Trustpilot

Elephant Insurance has earned just 2.0 out of 5 stars at Trustpilot (steadily dropping from 3.5 a few years ago), with 2 in 5 customers rating Elephant with just 1 star indicating a bad experience. Here's a sample of some of the more common complaints:

"Impossible to cancel auto renewal. I was given a price much higher at renewal so I went to cancel it, however it is literally impossible to do so via their rubbish system."

"I had it on CCTV that someone got in their car and reversed into me. I had 2 witnesses. I gave them all I could. With COVID I can no longer get hold of the witnesses and so the other party has gone for no liability. I have protected no claims and am still trying to get the payout..."

"Managed to get my insurance £900 cheaper by going somewhere else. Don't accept this company's renewal costs."

"I changed addresses and they wanted to charge me nearly £90. £90!!!"

"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."

Yes, it's true that Elephant's cancellation fees are higher than the market average. That said, negative complaints about cancellation fees and higher renewal prices are not uncommon in the car insurance industry. In fact, cancellation fees are commonplace in the car insurance market. To avoid the issue of higher renewal fees, before you accept a renewal, always compare the market to see what kind of premium other companies offer you.

We'd also like to mention that moving house can cost you a pretty penny—not only are you likely to pay an admin fee to change the address on your account, but the insurer will also reprice your insurance to reflect your new post code. Depending on how their pricing models work, you may need to stump up an extra premium (if, for instance, the insurer has had a history of higher claims in your new post code compared to your old post code).

It's not all bad news, though, as half of customers reported an 'Excellent' experience with Elephant. Here are a few positive comments from real customers who have left a review on Trustpilot:

"I was very pleased with the quote, some £200 cheaper than Admiral and I had been with them for a few years..."

"Excellent service and the best quote asked for paper documents and all arrived within 5 days would definitely recommend."

"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."

"My experience with Elephant is a third party making a claim against a person who was insured by them and who had hit my car, writing it off in the process. My own insurance was TPF&T with Halifax Insurance,who initially said they would purse my claim on my behalf Actually they did nothing! just kept fobbing me off with the excuse that 'Elephant is very difficult to deal with'. After nearly 10 weeks and no progress Halifax advised that they would no longer pursue on my behalf and therefore it was up to me to deal directly with Elephant Insurance. In absolute contrast to the bad picture of Elephant that Halifax had painted for me I found them to be polite, professional and responsive. I made one phone call, and an hour later they called me back admitting liability and then made a sensible offer for my vehicle. I was most impressed with them, and would have no hesitation to buy an insurance policy from them in the future if they are competitive."

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
Hastings (Essential)£685
People's Choice£735
Sheila's Wheels£776
More Than£781
One Call£1,177

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, at least for our sample driver.

chart showing a cost comparison of Elephant car insurance to Bell, Hastings, Quotemehappy, Hastings Smart Miles, Admiral Little Box, Churchill, LV= and others

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.

DiscountWho qualifies?
No Claims DiscountEach year you don't make a claim should increase your no claims discount
Pay upfrontPay your full premium at the start of the policy to save money by avoiding finance charges (variable APR)
Buy your policy earlyTry to buy your policy around 3 weeks ahead of the start date to save up to 50%

No Claims Discount

The average No Claims discount received by customers in 2021 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 NCBAverage NCB Discount in 2022
One year NCB12%
Two years NCB14%
Three years NCB14%
Four years NCB18%
Five years NCB18%
Six years NCB18%
Seven years NCB19%
Eight years NCB19%
Nine years or more NCB29%

Cancellation Fees

Elephant has a dizzying array of cancellation or change fees and charges, and even charges if you cancel during the first 14 days, which as you can read about here is not the case from all companies in 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 or view the customer agreement which can be found here.

Elephant regular car insurance cancellation charges
During first 14 days£25
After 14 days£60

The administration fee for making a change such as adding a driver or changing your address ranges from £5.5 (change to any vehicle registration) up to £100 (LittleBox/Safe Driver hardware charge). See more here.

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 Services0333 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 debit0330 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 service0800 458 9283

Policy Documents

To view your documents online, log into your customer portal or access the policy documents here.


Elephant is a brand of the Admiral Group, the largest car insurance company in the UK, and is a sister brand to Admiral, Bell and Diamond.
Elephant is underwritten by Admiral (the trading name of EUI Limited).
You can pay for Elephant car insurance by direct debit or with a credit or debit card (Visa, MasterCard, American Express, Maestro, Visa debit/delta). To pay by direct debit, contact them before you take out a policy or before your renewal date. You can find the telephone numbers in this list of Elephant contact numbers.
If you don't want to renew your Elephant car insurance policy, you'll need to call the renewals line. You can find the telephone number in this list of Elephant contact numbers.
You'll need to check if you have cover to drive other cars by checking section 5 of your Certificate of Motor Insurance, and your online account.
Yes, Elephant does multi car insurance, which can give you a discount on each car. Elephant puts all the cars on one policy, however each named driver can earn a No Claims Bonus (for use with Elephant policies).
Elephant used to have LittleBox policies, but it's not clear that they still sell these on their site. But you can look at their sister brands Bell or Admiral (LittleBox policies).
Elephant car insurance includes up to 90 days of your level of cover to use in the European countries listed in the policy documents.
The price of an Elephant car insurance policy will depend on many factors, but primarily the car you drive and your age and driving history. See our Elephant vs. the market cost comparison and our research on the average cost of UK car insurance for more information.
Yes, Elephant can offer short term car insurance, but not in all circumstances (e.g., they'll only cover a courtesy car from a garage if the garage won't cover you). Call their customer service number to find out if they'll cover you.
Elephant offers up to 9 years of No Claims Bonus, which you can read more about here. The max discount was down to 29% in 2022.
Elephant car insurance has a competitive set of features which you can read about in the first part of our editorial review, and sports above average overall customer reviews compared to other brands in the UK car insurance market.

Other Car Insurance Reviews

If you'd like to compare Elephant to other car insurance companies, see our other car insurance reviews below:


This is When to Buy Car Insurance to Save up to 50%

  • 2 Elephant policy booklets
  • Erin Yurday

    Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.


    The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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