Read about Elephant to see if their car insurance strikes the right note for price, features and customer service. Find out how Elephant features compare and how existing policyholders rate Elephant's customer service. For a quick quote from a panel of over 100 brands including Elephant, click the blue "Get Quotes" button below.
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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
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.
|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 £200, personal belongings, up to £300 (any one incident) for sports equipment|
|Keys||£300+||Up to £500, as long as not lost/stolen from your vehicle|
|Protected NCD||2 times in 3 years (standard or optional extra)||If you 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 by a body shop in their network|
|Repairs guaranteed||12-month guarantee||Repairs by Approved Repairers guaranteed whilst you own your car; parts covered under the manufacturer's 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 manufacturer fitted||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+||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 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||If you buy the add on (for write off or theft)|
|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 £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 rating||2.0 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 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|
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.
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 by avoiding finance charges (variable APR)|
|Buy your policy early||Try 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 NCB||Average NCB Discount in 2022|
|One year NCB||12%|
|Two years NCB||14%|
|Three years NCB||14%|
|Four years NCB||18%|
|Five years NCB||18%|
|Six years NCB||18%|
|Seven years NCB||19%|
|Eight years NCB||19%|
|Nine years or more NCB||29%|
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 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|
Other Car Insurance Reviews
If you'd like to compare Elephant to other car insurance companies, see our other car insurance reviews below: