Elephant Car Insurance Review: Weighing the Pros and Cons


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The car insurance industry has a notorious reputation for harboring companies that make grandiose promises they can’t always deliver on. One such company that’s sparked skepticism is Elephant Car Insurance. Though it promotes itself as a provider of competitive rates and exceptional customer service, consumer-focused platforms such as BBB and Trustpilot flash a cautionary yellow light.

With a moderate BBB rating and a mixed bag of reviews on Trustpilot, Elephant Car Insurance must brace itself for a critical analysis. If we borrow from the cinema world and liken the car insurance industry to a suspenseful drama, Elephant Car Insurance is currently in the climactic scene with viewers on the edge of their seats wondering – is this a hero in disguise or another villain in the market?

elephant car insurance cover

As consumers, we should be wary of the Kevin Spaceys of the car insurance world – those who charm us with their seemingly attractive offerings, only to reveal a disappointing reality. Hence, this review aims to shed light on Elephant Car Insurance’s true character. Will it turn out to be the hero that saves the day with its advertised competitive rates and sterling customer service? Or will it be unmasked as another villain, ready to exploit the unsuspecting customer? Keep reading as we embark on a critical examination of Elephant Car Insurance.

From this point forward, we ask you to channel your inner Sherlock Holmes – be skeptical, be cautious, and question everything. As Holmes would say, “It is a capital mistake to theorize before one has data.” So let’s delve into the evidence, starting with a brief introduction to Elephant Car Insurance.

Company Background

Elephant Car Insurance was launched in 2009 as an offshoot of the Admiral Group, one of the largest car insurance providers in the United Kingdom. From the onset, Elephant Car Insurance positioned itself as an online-only insurance company, promising competitive pricing and simplicity. However, as in the plot of the movie “Crash”, where everything isn’t as it seems, the glossy story of Elephant Car Insurance demands a deeper review.

From its humble beginnings, Elephant Car Insurance has grown significantly but not without some bumps along the road. It may have started as a promising newcomer with its innovative digital presence, but over the years, customers have raised concerns that cast shadows over the company’s initial glow.

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Real-life testimonies reveal a more nuanced picture. A handful of customers praise Elephant Car Insurance for its low rates and easy online interface. However, a significant number of customers tell a different story, one filled with customer service nightmares and denied claims. For instance, one customer claimed their rates unexpectedly jumped despite a clean driving record, while others complained about the company’s sluggish response to claims.

Case studies further challenge the company’s claims of easy claim settlement and competitive rates. One particular case study throws light on a customer who was involved in an accident, only to discover their coverage wasn’t as comprehensive as the company had initially promised.

In a movie-like twist of fate, it appears that Elephant Car Insurance could be more of a “Wolf of Wall Street” than a “Forrest Gump”. Its initial promise of competitive pricing and simplicity seems to have been eclipsed by a series of customer complaints and unfavourable reviews.

On paper, Elephant Car Insurance is a modern, innovative company that seeks to disrupt the car insurance industry with its digital-only strategy. However, just like the movie “Inception” leaves us questioning what’s real and what’s a dream, Elephant Car Insurance’s image is fractured by real-life testimonies and case studies that hint at a different reality.

As we unravel the background of Elephant Car Insurance, it’s essential to maintain a skeptical outlook. Remember, in the world of car insurance, not everything that glitters is gold. Sometimes, it’s just clever marketing and empty promises. So, let’s continue our investigation and scrutinize Elephant Car Insurance’s products and services more closely.


Elephant Car Insurance’s product line revolves around a range of vehicle insurance products. These include not only car insurance but also motorcycle, ATV, and collector car insurance. On paper, this variety of options serves a broad spectrum of vehicle owners – a commendable aspect of their service offering. But as we delve deeper, it’s not quite the ‘all-you-can-eat’ buffet it initially appears to be.

Elephant claims to offer comprehensive car insurance, including coverage for bodily injury liability, property damage liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist protection. However, as highlighted by customer reviews on BBB and Trustpilot, the ‘comprehensive’ nature of their coverage may not be as encompassing as promised. Complaints about denied claims, poor damage assessments, and lack of coverage for specific incidents have been voiced, indicating the possibility of gaps in their supposed ‘comprehensive’ coverage.

elephant auto insurance discounts

Of particular concern are reviews that suggest the company is inclined to reject claims, a practice that raises questions about the company’s claim assessment process. This finding aligns with a recent poll that we conducted, questioning the effectiveness and fairness of Elephant’s claim coverage. An overwhelming majority of participants responded negatively, further casting a shadow of doubt over the integrity of Elephant’s services.

In addition, the company also offers add-on services such as roadside assistance and rental reimbursement. However, the effectiveness of these services also comes under scrutiny, with reviews suggesting that the company’s roadside assistance is less than reliable, and rental reimbursement often involves tedious paperwork and extended waiting periods.

In a world where transparency and customer satisfaction are paramount, these criticisms cannot be overlooked. Akin to the plot twists in “Gone Girl”, Elephant’s offerings, while seemingly attractive, seem to hide an unexpected and disappointing reality. If these reviews hold any truth, Elephant Car Insurance’s initial promises of comprehensive and reliable coverage may be more mirage than oasis.

As we dwell deeper into the evaluation of Elephant Car Insurance, it becomes increasingly evident that while the company’s range of products and services might seem extensive and attractive on the surface, it would be wise to approach with caution. To avoid falling into a trap of empty promises as in the suspenseful plot of “The Illusionist”, consumers should carefully consider the credibility of Elephant Car Insurance’s claims before making their next move.

Risks and Controversies

Despite the alluring promise of affordable insurance and easy claim processing, there’s more to Elephant Car Insurance than meets the eye. Over the years, Elephant has been wrapped up in several controversies, much like the deceptive layers of a Matryoshka doll, each one unveiling a new issue to consider.

Firstly, one of the most prevalent complaints against Elephant is its alleged lack of transparency. Customers have reported unexpected premium increases without prior warning or plausible explanation. This practice raises potent questions about the company’s fairness and trustworthiness.

Secondly, the company’s claim settlement process has been the target of intense criticism. Some policyholders have reported significant delays in claim settlement, while others have complained about denied claims without satisfactory reasoning. These complaints, if true, indicate serious issues with Elephant’s claim settlement practices and customer service.

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Photo Credit: Medallion Media Group

Moreover, the company has faced lawsuits, adding legal troubles to its list of controversies. In a notable case, Elephant was sued for bad faith and allegedly delaying payments for a claim. Whether the company was at fault or not, such legal troubles add another layer of skepticism to the company’s already tarnished reputation.

Additionally, it is worth noting that Elephant has a history of customer service issues. Negative reviews on BBB and Trustpilot highlight poor communication and lack of responsiveness as common complaints.

In a plot twist reminiscent of the movie “The Sixth Sense,” Elephant Car Insurance’s risks and controversies bring to light an unexpected side of the company. On the surface, it might seem like an affordable, convenient option for car insurance. However, upon deeper scrutiny, the company’s history of controversies, customer dissatisfaction, and legal troubles reveal a potentially problematic picture.

Navigating the world of car insurance can feel like walking through a minefield, but being aware of these controversies is a step towards making an informed choice. So, as we move towards the conclusion of our review, let’s weigh the pros and cons of Elephant Car Insurance against industry benchmarks and other competitors.

Pros and Cons

In our quest to critically review Elephant Car Insurance, it’s imperative to weigh the pros and cons as reported by users and compare them against industry benchmarks and competitor offerings. Let’s take State Farm and Geico, two well-respected companies in the car insurance industry, as our benchmarks.

  • Competitive Pricing: One of Elephant’s most significant selling points is its competitive rates. Many users have expressed satisfaction with the pricing of their policies. However, compared to industry giants like State Farm and Geico, Elephant’s competitive prices are not as unique as they might seem. Both State Farm and Geico offer competitive rates backed with robust customer service, something Elephant seems to struggle with.
  • Online-only Model: Elephant’s online-only model offers convenience and accessibility for the tech-savvy customer. However, in an industry where personalized service is crucial, this model may not suit every customer. Companies with mixed reviews like Progressive and Allstate, despite their shortcomings, offer both online and in-person services, enhancing their accessibility to a diverse clientele.
  • Poor Customer Service: An overwhelming number of user reviews highlight poor customer service as a major drawback of Elephant Car Insurance. Numerous customers have reported difficulties in reaching customer service representatives and delays in claim settlement. In contrast, companies like State Farm and Geico lead the industry with their superior customer service.
  • Lack of Transparency: A considerable number of customers have complained about unexpected rate increases and lack of explanation for denied claims, demonstrating the company’s lack of transparency. In contrast, both State Farm and Geico, as well as companies with mixed reviews like Progressive and Allstate, have established reputations for their transparency.
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Given the information provided, would you consider Elephant Insurance a high-risk choice for Car Insurance?

Given the information provided, would you consider Elephant Insurance a high-risk choice for Car Insurance?

In conclusion, while Elephant Car Insurance may present some advantages, its disadvantages, particularly in terms of customer service and transparency, are significant. Compared to the industry standards set by companies like State Farm and Geico, and even when compared to companies with mixed reviews like Progressive and Allstate, Elephant Car Insurance falls short. Much like the flawed heroes in the movie “Watchmen,” Elephant Car Insurance’s strengths are overshadowed by its weaknesses, making it a questionable choice for those seeking reliable car insurance. As we wrap up our review, let’s revisit the key points and wrap things up like Quentin Tarantino, bringing all the elements together for a powerful finish.

Elephant Car Insurance: Conclusion

After an in-depth analysis of Elephant Car Insurance, we are left with an image that resembles the enigmatic plot of the movie “Memento” – confusing, controversial, and potentially unreliable. While the company’s competitive pricing and online-only model may seem attractive initially, a deeper dive into its history, customer feedback, and industry reputation unveils a reality that’s far from its advertised persona.

Elephant Car Insurance, much like the infamous Keyser Söze from “The Usual Suspects”, promises convenience, affordability, and reliability. However, its history of controversies, customer dissatisfaction, and legal issues reveal a different story. Despite its appealingly low rates, the company’s poor customer service, lack of transparency, and questionable business practices make it a risky choice for potential customers.

Elephant Car Insurance Review: Weighing the Pros and Cons 1

This review highlights the necessity for consumers to maintain a skeptical outlook when selecting car insurance. In this industry, it’s essential to look beyond the grand promises and scrutinize the company’s track record, customer reviews, and industry reputation. Much like the intricate plot of the movie “Inception”, the car insurance industry is filled with complexities and potential pitfalls.

When it comes to Elephant Car Insurance, the evidence seems to suggest that the company might not be as reliable or trustworthy as it claims to be. Compared to its competitors and industry benchmarks like State Farm and Geico, Elephant Car Insurance falls short in several key areas, making it a less than ideal choice for car insurance.

Our advice for potential customers would be to proceed with caution when considering Elephant Car Insurance. Before making a decision, we encourage you to conduct further research using our comprehensive car insurance comparison chart. Just as the protagonists in “Pulp Fiction” learned, in the world of car insurance, making an informed decision can mean the difference between satisfaction and disappointment.

In conclusion, Elephant Car Insurance, much like the plot twist at the end of “Fight Club”, is not quite what it initially seems to be. So, as you navigate the world of car insurance, remember to keep a skeptical eye and thoroughly research your options. After all, choosing the right car insurance is not a “Fast and Furious” race, but a journey to ensuring your safety and peace of mind.


  1. What does Elephant car insurance actually cover? Elephant car insurance typically covers liabilities for bodily injuries and property damage, protection against uninsured or underinsured motorists, and damages to the insured’s car from collision or other perils. However, the exact scope of the coverage can vary, and it’s possible that some policies may include certain limitations or exclusions.
  2. Does Elephant offer nationwide coverage? Elephant does not offer nationwide coverage. Their car insurance policies are only available in a limited number of states. Potential customers need to verify if Elephant services their state before considering a policy.
  3. How does Elephant determine its premium rates? Elephant calculates premium rates based on several factors including the driver’s age, driving history, location, and the make and model of the car. However, some customers have reported that Elephant’s rates are higher than average, which could be a point of concern for potential customers.
  4. Does Elephant insurance offer comprehensive and collision coverage? Yes, Elephant insurance does offer comprehensive and collision coverage. However, these are not included in a basic auto insurance policy and must be purchased separately, which can increase the overall cost of the insurance.
  5. Are there any discount programs with Elephant car insurance? Elephant car insurance offers a range of discounts, such as multi-car, good student, and online quote discounts. However, these discounts may not be as competitive as those offered by other insurance providers.
  6. How reliable is Elephant’s claims process? The reliability of Elephant’s claims process has been questioned by some customers. They have reported a lengthy and complicated claims process, which can create a potentially negative experience for policyholders.
  7. Does Elephant offer quality customer service? Customer service experiences with Elephant vary. While some customers have reported satisfactory interactions, others have faced issues such as delayed response times, unresolved disputes, and lack of effective communication.
  8. What is the cancellation policy of Elephant car insurance? Customers can cancel their Elephant car insurance policy at any time. However, they may be subject to a cancellation fee, which can be burdensome for some customers.
  9. Is there a grace period for late payments with Elephant car insurance? Elephant does offer a grace period for late payments. However, the duration can vary depending on the policy and state regulations. It’s advisable for customers to fully understand their policy details to avoid potential late fees or policy cancellation.
  10. Does Elephant car insurance offer rental car coverage? Elephant does offer coverage for rental cars, but it may be limited. If customers frequently rent cars, they should carefully review their policy or consider additional coverage if necessary.

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