Elephant was the first company to provide car insurance online, and their customers rate them 8.8 out of 10 on the reviews website Reevoo. Expert reviews of their car insurance are slightly less favourable, with Defaqto rating Elephant 3 stars out of 5, and Which? scoring them 56%.
See whether Elephant made it into our list of the Top 10 Car Insurance companies in 2016.
Background to Elephant Car Insurance
Elephant.co.uk is a Cardiff based can insurance company formed in August 2000. When it launched, it was the first UK car insurance provide to operate solely online, although it does also employ call centres for customers to contact. Elephant.co.uk is a trading name of EUI Limited and is a subsidiary of the Admiral group.
Overview of cover provided by Elephant car insurance
In their own words, Elephant aims to offer "No nonsense, great value, straightforward car insurance". Like most car insurance providers, Elephant offer three types of cover: Third Party Only, Third Party Fire & Theft and Comprehensive.
Third Party Only is the most basic type of cover and is the minimum legal requirement for car owners. It covers any damage you may do to other people and their property (such as them and their car in a collision). As well as this usual cover, Elephant’s Third Party Only policy also comes with up to 90 days European cover and flexible payment options.
Third Party, Fire & Theft gives you the third party liability cover that comes with Third Party Only, and also covers you if your vehicle if damaged or destroyed in a fire or is stolen.
Comprehensive cover offers all of the above, but also covers your own vehicle for damage caused in an accident. Elephant’s comprehensive cover includes a courtesy car, stereo cover up to £1,250 or 15% of the value of your car (whichever is lower), personal injury cover to £5,000, windscreen cover and up to £300 for sports equipment.
You can also choose to upgrade your personal injury cover up to £100,000, choose from 3 different levels of breakdown cover and add keycare cover up to £1,500.
How much does Elephant insurance cost?
As with all car insurance providers, it’s difficult to make generalisations about policy costs because they depend so heavily on the circumstances of the driver(s) buying, the car being insured, the area they live in and so on.
Elephant insurance is aimed at young people (hence the sports equipment and stereo covers). Younger drivers have historically had problems getting affordable insurance quotes – sadly this hasn’t yet been resolved as broadly speaking prices from any providers are still high for drivers under 23. Elephant say they work hard to keep their premiums as low as possible – for example they are an online-only provider to keep overheads low.
What do Elephant car insurance reviews from customers say?
On Reevoo, Elephant is scored 8.8 out of 10 by its customers, based on 2,279 reviews.
On Money.co.uk, customers provide feedback across four areas: customer service, flexibility and fairness, product features and value for money. Elephant car insurance scored an overall 3.5 stars out of five, with 44% of the 71 customers who left a review recommending the service.
Over on ciao.co.uk, 64% of the 49 Elephant insurance reviews were positive, and the company managed 3 out of 5 stars.
What do Elephant car insurance reviews from the experts say?
In a review by Which? that looked at 34 different car insurance providers, Elephant insurance ranked last, with an overall score of 56%, formed of a customer score of 54% and a policy score of 57%.
According to Fairer Finance, which rates companies based on factors such as transparency and complaints handling, Elephant ranked 25th in a list of 44 UK car insurance providers, with an overall score of 53% (made up of 53% for happiness, 36% for trust, 71% for complaint handling and 53% for transparency).
Defaqto gave Elephant car insurance 3 stars, making it a “standard product providing an average level of features and benefits”. Defaqto are an independent researcher of financial products, offers star ratings for different kinds of insurance policies. Their ratings are between 1-star (“a basic product, with a low level of features and benefits”) and 5-stars (“an excellent product with a comprehensive range of features and benefits”).