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

  • 5 star defaqto rating
  • 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.

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Read about Elephant to see if their car insurance might be suitable for you. Find out how Elephant features compare and how existing policyholders rate Elephant's customer service.

In This Review

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 IncludesDoes Elephant Deliver?Elephant Comprehensive Coverage
"Must Have" Features
WindscreenFull repair or replacement
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Full cover (less excess) if use Elephant's glass repair helpline
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Up to £150, if you buy the add on
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Up to £2,000, if you buy the add on
Protected NCD2 times in 3 years (standard or optional extra)
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Yes, if you have at least 4 years NCD and buy the add on
Car recovery after accidentIncluded
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Car delivered to Approved Repairer, your home or safe storage within 30 miles
Courtesy car (repairs)Minimum 14 days
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While your car is being repaired in their body shop
Repairs guaranteed12-month guarantee
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Repairs by Approved Repairers guaranteed whilst you own your car; parts covered under the manufacturers guarantee.
"Should Have" Features
New car replacementTheft or damage at least 60% of list price; cars up to 12 months old
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Theft or if cost to repair more than 59% of list price; cars up to 12 months old
Stereo and satellite navMarket value for manufactur fitted
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Up to £1,250 or 15% of the value of your car, whichever is the lower.
Alternative transport & Hotel after accident£250+
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Not included
24-hour emergency helplineStandard
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For roadside emergencies following an insured accident and glass repairs
Courtesy car (total loss or theft)Standard or add-on extra
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Up to 21 days, if you buy the Hire Car add on
Motor legal expensesStandard or add-on extra
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If you buy the add on
Breakdown coverStandard or add-on extra
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If you buy the add on (3 levels available)
"Could Have" Features
Same cover in EUStandard or add-on extra
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Up to 90 days per policy year included
Child car seat replacement after accident, theft, fireIdeally replaced even if no visible damage
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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
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Not available
No fault NCD protectionStandard
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Not included
Uninsured driver NCD protectionStandard
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APR on monthly instalmentsIdeally under 18%
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Cancellation feeNo more than £50
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Cancellation fees start from £25 during first 14 days and £49.50 afterwards

Elephant Car Insurance Customer Service Reviews and Ratings

Elephant customers report an average customer experience, ranking the company with 3.5 out of 5 stars on Trustpilot by close to 500 customers. Reading the reviews, customers seem to have a mixed experience with most customers ranking Elephant either with 5 stars or 1 star.

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 Ratings & Customer Reviews
Trustpilot customer service rating3.5 out of 5
Defaqto5 star

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.

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.

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 (variable APR)
Buy your policy earlyTry to buy your policy around 3 weeks ahead of the start date to save up to 50%
Black boxTelematics policies can lower the premium for new drivers

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 is slightly unusual). Those with a black box policy will pay more to cancel, with LittleBox/Safe Driver policies being hit with a £149.50 charge for cancellation after 14 days. 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, especially if you have a LittleBox or Safe Driver policy. For a full list of their fees and charges click here.

Elephant cancellation chargesDuring first 14 daysAfter 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

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 NCBDiscount in 2018
One year NCB2%
Two years NCB14%
Three years NCB16%
Four years NCB26%
Five years NCB27%
Six years NCB27%
Seven years NCB30%
Eight years NCB33%
Nine years or more NCB37%

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
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.

Other Car Insurance Reviews

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

Comments and Questions

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.