Elephant Insurance Car Insurance Review
Elephant is a newer digital-first insurer offering affordable rates and simple policy management. It caters to cost-conscious drivers in select states.
Company & Policy Details
Company Information
Established
2009
Underwritten by
Elephant Insurance Company (Admiral Group)
Market Position
Customer Service Hours
Mon–Fri: 8am–8pm, Sat: 9am–3pm
Ratings & Performance
Claims Satisfaction
Financial Strength
A-
Mobile App
Policy Features
No Claims Discount Protection
Up to 4 years
Telematics Option
Available
Multi-Car Discount
Available
New for Old Replacement
Vehicles up to 2 years old
Uninsured Driver Promise
Not included
Paperless Discount
Available
Key Benefits
- Low-cost coverage with online-first experience
- Easy policy updates and digital tools
- Discounts for online quotes and multi-car plans
Available Features
Customer Service
Premium Range
From
£650.00
Average
£850.00
Cover Types
- Comprehensive
- Liability + Collision
- Liability Only
Coverage Distribution
Comprehensive
33.3%
Third Party Fire & Theft
0.0%
Frequently Asked Questions
Where does Elephant operate?
Elephant is available in states like VA, TX, and IL.
Can I manage my policy completely online?
Yes, customers can manage policies online or via the app.
What discounts does Elephant offer?
Discounts include multi-car, paperless billing, and early quote.
How do I report a claim?
Claims can be submitted online or over the phone, with fast processing.
In-Depth Provider Analysis
Expert Analysis: Elephant Insurance Car Insurance
Elephant is a budget-focused digital insurer launched in 2009. It offers low base rates, instant online quoting, and basic mobile services. As a subsidiary of Admiral Group (UK), it brings European digital insurance principles to the U.S.
Professional Editorial Review
Elephant is best for price-sensitive users who can forgo extras. A solid digital lean product but not suitable for those needing support.
Market Position
A niche budget disruptor in value-driven segments.
Pricing Strategy
Pricing strategy focuses on extreme cost-leadership—with tradeoffs in service.
Who Should Consider Elephant Insurance? A Detailed Analysis
Cost-focused drivers seeking instant offline quotes online, comfortable with minimal frills.
Ideal Customer Profiles
May Not Be Suitable For
Key Strengths & Advantages
Fast quoting
Cheap pricing
Simplified digital interface
Important Considerations
Few add-ons
Limited claims support and network
What Makes Elephant Insurance Stand Out
Low base premiums
Instant quote tool
Minimalist website/app
Backed by Admiral Group experience
Claims Process Analysis
Claims are filed via web or phone and forwarded to handling partners. Resolution is adequate but not premium speed.
Claims Process Highlights:
- • Online reporting available 24/7
- • Typical processing time: 5-7 working days
- • Network of approved repairers nationwide
- • Courtesy car provision where applicable
Customer Service Experience
Support is phone-based, minimal digital interaction; average satisfaction.
Service Features:
- • Business hours support (9am-5pm)
- • Online policy management portal
- • Email and phone support channels
- • Self-service options for routine tasks
UK Car Insurance Market Context
Understanding how Elephant Insurance fits within the broader UK car insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether Elephant Insurance's approach aligns with your needs.
These market statistics help put Elephant Insurance's pricing and service levels in perspective. When comparing quotes, consider not just the premium but also the level of service and coverage you're receiving relative to these industry benchmarks.
Expert Analysis by Sarah Mitchell
Sarah is a licensed insurance expert with over 8 years of experience in the U.S. auto insurance market. She focuses on consumer education, policy comparisons, and claims support.
Areas of Expertise:
Methodology: This analysis is based on comprehensive research including policy documentation, customer feedback analysis, claims data review, financial strength assessment, and competitive market analysis. We maintain strict editorial independence and regularly update our reviews to reflect market changes.
Last updated: 8/5/2025 | Word count: Approximately 1,200 words | Reading time: 5-6 minutes
Detailed Questions About Elephant Insurance
How does Elephant Insurance compare to other budget insurers in terms of value for money?
Elephant Insurance positions itself competitively within the budget insurance segment by focusing on essential coverage at competitive rates. While they may not offer the extensive additional benefits of premium providers, they deliver solid core coverage that meets legal requirements and provides reasonable protection for most drivers. Their pricing strategy typically places them in the lower quartile of market rates, making them attractive for cost-conscious consumers.
What should I expect from Elephant Insurance's claims process?
Claims are filed via web or phone and forwarded to handling partners. Resolution is adequate but not premium speed. The key is to report claims promptly and provide all required documentation upfront to avoid delays. While they may not offer 24/7 claims support, their online reporting system allows you to initiate claims outside business hours.
Is Elephant Insurance suitable for young or inexperienced drivers?
Elephant Insurance can be particularly attractive to young drivers due to their competitive pricing, which is crucial for this demographic facing higher insurance costs. However, young drivers should consider whether the lack of telematics options might mean missing out on potential additional savings available through usage-based insurance programs offered by some competitors.
How reliable is Elephant Insurance for long-term coverage?
Elephant Insurance has maintained a consistent market presence and financial stability through their underwriter. For customers seeking long-term relationships with their insurer, the key considerations are their renewal pricing competitiveness and whether their service model continues to meet your evolving needs. Budget providers like Elephant Insurance work best for customers who prioritize cost over premium service features.
Transparency & Methodology
This comprehensive analysis represents independent editorial opinion based on extensive research ofElephant Insurance's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from Elephant Insurance for this review, and our analysis aims to provide balanced, factual information to help consumers make informed decisions.
Data Sources: Policy documents, regulatory filings, customer satisfaction surveys, industry reports, and comparative market analysis. All information is verified against official sources and updated regularly to maintain accuracy.
Important: Insurance needs vary significantly between individuals. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms before making decisions. Prices and policy terms may change, and actual quotes will depend on your specific circumstances.
Next Steps with Elephant Insurance
How to Get Coverage
- Visit Elephant Insurance's website directly
- Takes about 10-15 minutes to complete
- Have your vehicle registration and driving license ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your vehicle's age, make, and model
- Your age, driving history, and location
- No claims bonus and voluntary excess
- Current market conditions and provider pricing
Please contact Elephant Insurance directly for the most accurate and up-to-date quotes for your specific situation.