Elephant Car Insurance Review

James Rodriguez James Rodriguez updated on July 7, 2022

This is the ultimate review to guide you through Elephant car insurance.

You might already know that Elephant offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Elephant the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Elephant car policy terms and conditions and given our own ratings based on different criteria.

3,7 Safe overall rating for Elephant

Our ratingOur opinion
Customer service & satisfaction

Customer care availability via phone call
24/7 online self-service centre is available
The website is easy to navigate and information can be easily found on it
Average customer car reviews from TrustPilot

Cover provided

Windscreen repair or replacement provided as standard
Uninsured driver cover provided as standard
Stereo cover provided as standard
Courtesy car provided as standard
Wrong fuel not covered
Onward travel costs not covered

Value for money

Named driver bonus
Availability of bonus accelerator policy
Different payment method types available
High NCB and bonus accelerator option

Financial strength for pay out

Strong financial capability


Simple and easy-to-use website interface
Black box option available
Available on social media platforms
No-live chat or chatbot is available

Safe rating for Elephant

Expert and customer reviews on Elephant

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Elephant's reputation.

Review organisationConsumer satisfaction rates for Elephant
Defaqto expert rating for Elephant defaqto 5 stars
TrustPilot3,6/5 based on 501 opinions
Consumer satisfaction rates on reviews for Elephant

To check if Elephant is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

Finally, compare best car insurance in less than 20 secs without giving your email.
No spamming, promise.


Our review on Elephant car insurance policy

Elephant offers the exact same policy than its sister company Diamond (also part of the Admiral Group).

What does Elephant car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Elephant?

Car insurance policyAvailable at ElephantCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Elephant

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Elephant explained in details

Let's find out what does Elephant covers in its car insurance policy.

Breakdown cover at Elephant

Elephant offers three levels of breakdown cover and they are:

  • roadside assistance
  • national cover
  • european cover

Which each cover, the following options are available:

  • Named drivers: the car insured is covered as long as a named driver is behind the wheels during the breakdown
  • Message services to inform your loved ones in the case of a breakdown
  • Misfuel cover in the case that your car was filled with the wrong fuel and it breaks down
  • Alternative source of transportation to enable you complete your journey
  • £150 per person (£600 total) to cover overnight accommodation in the case that the car cannot be fixed immediately

Keycare cover at Elephant

Elephant offers up to £2000 in terms of cover and this covers the following:

  • locksmith charges in the case that the lock or key has to be replaced
  • new locks for security purposes
  • replacement keys
  • £40 car hire charges for maximum of 3 days in the case that the car cannot be driven as a result of the damaged or misplaced locks
  • £80 provided for alternative sources of transportation in the case that the car cannot be driven as a result of the damaged or misplaced lock.

Windscreen cover at Elephant

Free windscreen cover is provided. This means that in the case that your windscreen breaks, it would be replaced or repaired for free (subject to an excess fee).

Motor legal protection at Elephant

Motor Legal Protection provided by Elephant offers up to £100,000 of cover for legal costs if you’re involved in a motor accident that is not your fault. The cover is to cover personal injury and uninsured losses and would be granted if there is a high chance that the claim taken out would be successful. Motor Legal Protection provides cover for:

  • access to legal counsel
  • contract disputes about your car
  • cover for the insurance policy holder and other named drivers
  • 24/7 legal helpline.

Personal policy injury available at Elephant

The standard comprehensive policy that Elephant car insurance offers already includes a £5,000 personal injury cover but this is limited to the policyholder and their partner and doesn’t include other named drivers on the policy.
There is an option of adding the Personal Injury cover as an additional extra on the insurance policy and this comes with a £50,000 in the case of an accident. Another option is the Personal Injury Plus Cover which has a benefit limit of up to £100,000.

For the Personal Injury Cover and Personal Injury Plus Cover, the following are offered:

  • cover for policyholder and named drivers
  • uninsured driver protection
  • cover in the case that you’re hit by an uninsured driver.

Coverage abroad at Elephant

Elephant’s abroad coverage is available under all three policy options and this coverage allows the holders to travel through Europe for about 90 days. The list of countries includes:

Andorra, Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Courtesy car at Elephant

With the comprehensive car insurance policy offered:

  • a courtesy car is provided only when your car is being fixed at an approved repairers garage after a accident
  • the courtesy car is not provided in the case that your car has been stolen or damaged beyond repairs
  • the replacement car offered for temporary use has a maximum of 2.2 litres and 7 seats.

Bonus accelerator at Elephant

The Bonus Accelerator policy that is offered by Elephant allows you to get an NCB discount in the space of 10 months rather than 12 months.

No-Claim Bonus (NCB) at Elephant

One year NCB – 2%
Two years NCB – 14%
Three years NCB – 16%
Four years NCB – 26%
Five years NCB – 27%
Six years NCB – 27%
Seven years NCB – 30%
Eight years NCB – 33%
Nine years NCB or more – 37%

The no claims bonus is not affected if you’ve claimed for windscreen damage, or emergency treatment fees or if the claim wasn’t your fault.

At Elephant, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year): 2 claims in 3 years.

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

Elephant car insurance terms and conditions

How much does Elephant car insurance cost?

You'll find below indicative car insurance quotes at Elephant:

Drivers'ageMonthly premium
18 years old£100,00
40 years old £41,24
60 years old£30,41
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Elephant insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Elephant?

Discount vouchers are available for customers:
- Multi-car discount is available (for each car) for households with more than 1 car.
- Discounts are also offered via the Bonus Accelerator.

Discount typesComment
Discounts- Multi-car discount is available (for each car) for households with more than 1 car.
- Discounts are also offered via the Bonus Accelerator.
Discounts and cashbacks available at Elephant

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Elephant car insurance policy summarized


At Elephant
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£300 as standard - £2000 per year optional
Personal belongings £150
Audio equipment


Medical expenses


Liability limit for property damage£20,000,000
Legal expense£100,000
Courtesy car benefit

As standard

Courtesy car cover

Duration of repair

Coverage abroad

90 days

Guarantees at Elephant


At Elephant
Fire excessMarket value
Theft excessMarket value
Accidental damage excessMarket value
Windscreen replacement excessNo excess amount is required to make up for the unlimited services provided
Young driver excess


Excess at Elephant

Admin fees

At Elephant
Interest charged by payment installments


Renewal fees


Cancellation fees
  • Cancellation fees during cooling off period: £25

  • Cancellation fee if the black box has been installed: £125

  • Cancellation fee if the black box is returned within 30 days of cancellation: £75.00

  • Cancellation fees outside cooling off period: £55

  • Cancellation fee if the black box has been installed: £155

  • Cancellation fee if the black box is returned within 30 days of cancellation: £105.00

Modification fees
  • Adjustment fee: £25
  • Deactivation of LittleBox/Safe Driver hardware charge: £100
  • Change of vehicle (Protect/LittleBox/Safe Driver:£65.00
Admin fees at Elephant

Other car insurance policies available at Elephant

Elephant multi-car insurance

This cover is for people with two or more cars in one household. The cars can be registered under one policy and discount can be gotten from it.

The Multi Car insurance that Elephant offers includes:

  • provision of courtesy car if the driver car is being repaired at any of Elephant’s approved garages
  • £5,000 personal injury cover for both the driver and his/her partner
  • 90 days european cover
  • windscreen cover.

Elephant black-box insurance

Elephant offers car insurance policies for young or first time drivers. The aim of this insurance policy is to reduce the amount that young drivers would normally pay for insurance policies. An example of this is the Bonus Accelerator and the Pass Plus test administered to young drivers to determine if they drive safely.

Elephant van insurance

Just like Diamond, Elephant partnered with Admiral to provide van and commercial insurance. The van insurance that Elephant and Admiral provides apart from the standard cover that comes with cars are as follows:

Own goods cover: if you use your car for you daily job (plumber, carpenter etc.)
Haulage: if you use your car to transport and deliver third party goods.

How to contact Elephant auto insurance?

Elephant phone numbers 

You will find all important phone numbers to contact Elephant car insurance:

Contact numberOpening hours

Customer service

0333 220 2006

Monday – Friday 8am – 8pm
Saturday 9am – 5pm
Sunday 9.30 am – 4pm


0333 222 6719

Monday – Friday 8am – 8pm
Saturday 9am – 5pm
Sunday 10am – 4pm
Best time to call: Midday to 4pm

Single car insurance quotes

0330 134 3230

Monday – Friday: 8am – 10pm
Saturday 9am – 6pm
Sunday 10am – 6pm
Best time to call: Midday to 4pm

Multi Car insurance quotes

0333 220 2091

Monday – Friday: 8am – 10pm
Saturday 9am – 6pm
Sunday 10am – 6pm
Best time to call: Midday to 4pm

Accident recovery helpline

0800 600 840

24 hours a day

Glass repair helpline

0333 220 2027

24 hours a day

Contact numbers at Elephant

Elephant other contact details

You'll find below Elephant main contact details:

Contact details of Elephant
Email address

[email protected]

Customer account with Elephant login

My account

Social mediaFacebook, Twitter, YouTube
Contact details at Elephant

You can also contact them by mail by writing to Elephant car insurance:

Elephant Car Insurance
Tŷ Admiral Street,
CF10 2AA,
United Kingdom

How to cancel your car insurance at Elephant?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Elephant as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Elephant has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You would need to have various documents ready such as:

  • your policy number (right hand corner of your documents);
  • your bank details; and
  • your payment method in case there are cancellation fees.

Elephant could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.