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.

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. For a quick quote from a panel of over 100 brands including Elephant, click the blue "Get Quotes" button below.

In This Review

Cheap Car Insurance Quotes in Your Area

Quickly compare over 100 UK insurance providers, including Elephant.

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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 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

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 rating3.5 out of 5
Defaqto5 star

Elephant Trustpilot

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
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

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%

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—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 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

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 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.
/can i cancel my elephant car insurance online
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).
No, Elephant doesn't offer telematics, but you can get a telematics policy from their sister companies 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 is 37%.
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:

Erin Yurday

Erin Yurday is the CEO, Co-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.