Elephant car insurance review

Find out what's included in Elephant's no-frills comprehensive policy, along with its more basic cover. Compare options to find the best one for you.

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Our verdict

Elephant is a great option for drivers looking for competitively priced car insurance with the features of a premium insurer.

It offers third party only, third party, fire and theft and comprehensive policy options. Its comprehensive policy is bundled full of impressive features (included as standard) which makes its overall policy score strong.

All in all, Elephant is a very good choice for most when it comes to looking for an affordable provider with a range of features included. However, as always, it’s important to compare other car insurance providers based on your individual circumstances to see which one is best for you.
  • 24/7 UK-based claims helpline
  • £5,000 of personal injury cover for you and your spouse incase of an accident
  • Up to £300 cover for lost or stolen keys
  • Free courtesy car included as standard
  • Some customers found it difficult to cancel the policy as it cannot be done online
  • Some customers reported a spike in their premiums upon renewal

Elephant is part of the Admiral Group of companies (along with Bell, Diamond and Gladiator) and claims to bring you low-cost car insurance with none of the faff. But is it good value for money? We’ve compared the policies to find out.

Compare Elephant policies

Name Product Courtesy car cover New car replacement EU Cover Personal accident cover Multi-car discount Link
Elephant Comprehensive
£5,000 of personal injury cover for you and your spouse
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Elephant Third party, fire and theft
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Elephant Third party
Get a quote

Who is Elephant?

An online car insurer that trumpeted into existence in 2000, Elephant, unlike its namesake, is known for policies that are small and easily shifted. It has highly customisable cover and some of the lowest prices on the market.

Who underwrites Elephant car insurance?

Elephant car insurance policies are all underwritten by Admiral, meaning you could get the service associated with a big-name insurer, but without necessarily paying the big-name premium.

What’s covered under my policy?

See the table below for what’s included in each option.

Product NameElephant Third partyElephant Third party, fire and theftElephant Comprehensive
Damage to your car
Damaged windscreen and window glass
Fire and theft
Personal accident cover
Medical expenses
Personal belongings
Liabilities to third parties
Using the car abroad
Alternative travel costs
No-claims discount
Replacement locks
Permanently fitted audio equipment

What are Elephant’s different policies?

Elephant offers a range of different insurance options, and whether you’re looking for the most basic or want to get the highest level of protection for your beloved car, Elephant cover options have some useful benefits.

Optional extras

There’s a range of useful extras and higher levels of cover you can add to a basic policy. These include:

  • Motor legal assistance, which means you can claim for any legal expenses that result from an accident.
  • 2 extra levels of personal injury insurance, meaning you can choose how much cover you want in the case of injury done to you (and your earnings) on the road.
  • Hire car cover, for refunding the cost of hiring a car while yours is repaired or written off after an accident.
  • Breakdown cover, so you won’t be left out of pocket if you break down and need to call for roadside assistance.
  • What is my excess?

    Your excess is the amount you will be expected to pay towards the costs of any claim you make. There will be the mandatory excess, and then you can reduce your premium by opting to pay a higher voluntary excess, but this means you’ll have to fork out a larger amount towards fixing your car if anything happens.

    How do I make a claim?

    You can make a claim by phone during Elephant’s opening hours (Monday to Friday 8am–6pm, Saturday 9am–4pm and Sunday 10am–4pm) by calling 0333 220 2039 or +44333 220 2039 if you’re abroad. The other option is to start a claim online or with the Elephant app, with both available 24/7.

    Elephant car insurance customer reviews

    As of May 2024, on customer review platform Trustpilot, Elephant as a company has 1.7 out of 5 stars and a rating of “Bad”, based on more than 800 reviews.

    On similar platform, Reviews.io, the company has 3.0 out of 5 stars, based on more than 130 reviews. 52% of customers say they would recommend the service.

    Frequently asked questions

    The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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