Elephant Insurance Review 2022 

Is It the One for You?  | ⭐️⭐️⭐️

TLTR: This review of Elephant Insurance will help you explore the products, services, and coverage provided by the company and decide on whether you should go for this company.

In this blog

About

Elephant Insurance was founded in 2009 as a subsidiary of Admiral Group Plc. Admiral Group Plc, an FTSE 100 company, is one of the leading insurers in the UK. The company has established its global reach with a presence in eight countries and over 6 million consumers worldwide. 
Elephant Insurance offers a wide range of products and services to its customers. Their services range from motorcycle insurance, car insurance, homeowner’s insurance, condo insurance, renters’ insurance, and life insurance. 
This insurance carrier has been growing steadily and earned a solid reputation in the U.S. insurance industry. Customers have also shown quite a liking for the company because of its affordable rates and one-year insurance terms.

Video: Elephant Insurance

Elephant Insurance – Pros and Cons

Pros

Cons

  • Competitive rates
  • Strong financial health
  • Varieties of discounts available
  • Affordable coverage
  • Exceptional customer service
  • Flexibility to bundle auto insurance with non-Elephant Policies.
  • Services available only in eight states
  • 24/7 phone claims reporting are not available
Elephant Insurance Review Statistics

Image: Elephant Insurance Statistics

Things To Know

Elephant Insurance Products And Services

Elephant insurance offers various products and services to its customers. It is mainly categorized into: Auto insurance, Home insurance, Life insurance, and Umbrella insurance. You can take a glance at the types of products and services offered under each category below.

Auto Insurance
Home Insurance
Life Insurance
Umbrella Insurance
  • Motorcycle Insurance
  • Car Insurance
  • Homeowners Insurance
  • Renters Insurance
  • Condo Insurance
  • Term Life Insurance
  • Covers additional liability that’s beyond your regular home and auto insurance coverage

Services and Benefits

Elephant Insurance provides additional services and benefits to its customers along with its main products and services. These are the services and benefits provided by the insurance carrier:

  • Real-Time Roadside Assistance 
  • Legal Coverage 
  • Pet Injury Coverage 
  • Diminishing Deductible 
  • At-Home Mechanic 
  • Upgraded Accident Forgiveness 

Discounts Offered

Online Quotes Offered 15% For customers who begin their relationship with Elephant Insurance by requesting a quote online
Good Students Discounts Up to 12% Only for Elephant’s customers who maintain an average of B or higher grade
Responsible Driver Up to 10% For customers who have a clean driving record
Multi-Car Discount Up to 27% For Elephant’s customers who insure more than one vehicle with the insurance carrier
Paid-In-Full Discount Up to 13.5 For customers who pay their premiums in full rather than in monthly installments

These are some of the discounts mentioned and offered by Elephant Insurance. However, you can always ask your independent insurance agent to help you find other discounts and ways to save on your policy.

Discounts Offered

Online Quotes Offered 15% For customers who begin their relationship with Elephant Insurance by requesting a quote online
Good Students Discounts Up to 12% Only for Elephant’s customers who maintain an average of B or higher grade
Responsible Driver Up to 10% For customers who have a clean driving record
Multi-Car Discount Up to 27% For Elephant’s customers who insure more than one vehicle with the insurance carrier
Paid-In-Full Discount Up to 13.5 For customers who pay their premiums in full rather than in monthly installments

These are some of the discounts mentioned and offered by Elephant Insurance. However, you can always ask your independent insurance agent to help you find other discounts and ways to save on your policy.

Elephant Insurance Reviews and Ratings

A Sampling Of Customer Reviews 

Reviews

Rating

I’m totally blown away by the exceptional customer service of the Elephant insurance. I had called to cancel my policy. Like every other insurance call, I was expecting a typical long-winded process on hold and then talking to someone who barely shows any enthusiasm and interest. But to my surprise, Gemma made the process so easy and smooth. I felt valued immediately. I called to cancel my policy but instead renewed it.  ⭐️⭐️⭐️⭐️⭐️
I’ve been Elephant insurance’s customer for quite a while now and have always found them easy to deal with. I had an extremely complex and fraudulent, non-fault accident. I am amazed by their service. They dealt with the situation fantastically. Highly recommend Elephant Insurance!  ⭐️⭐️⭐️⭐️ 
No complaints with Elephant Insurance’s services but it’s the app that is bothersome! The Elephant app just doesn’t work and it is so frustrating. The company encourages its customers to use the app as much as possible. However, whenever I try to use it, I get an error message. Other than that, they’re pretty good.  ⭐️⭐️⭐️ 
I’ve been a customer of Elephant Insurance for several years and it never fails to astronomically raise its premium. Every single year!   ⭐️
I’m a customer of Elephant Insurance and I think that it is an okay company as long as you don’t file the claim. However, once you file the claims, it is a stressful time from that point!  ⭐️⭐️ 

 

Source: Trustpilot

Third-Party Reviews

Elephant Insurance has garnered pretty good ratings from the reputed rating agencies. Both Better Business Bureau and A.M. Best have given the company an A+ which indicates that the company is financially sound. While the company is doing pretty well financially, it is not doing a good job addressing its customers’ complaints. NAIC has given the company a 4.12 which is higher than the average median of 1.00.  This means that Elephant Insurance needs to improve on its customer service front.   

Organization

Elephant Rating

Description

A.M. Best A+ (Excellent) A financially sound business that can ensure and protect your insurance. 
The Better Business Bureau (BBB) A+ (Excellent) High scores imply that the BBB believes the company is functioning honestly and will respond to customer complaints. 
NAIC Complaint Ratio   4.12  Smaller number of complaints indicate the swiftness of the company in addressing the customer’s complaints. Elephant Insurance’s complaint ratio is 4.12 which is quite higher than the national median. 
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Major Takeaway

Our Rating – ⭐️⭐⭐️

To summarize the Elephant Insurance Review, we can confidently state that if you are seeking an affordable insurance company that fits your insurance needs, Elephant Insurance is the company for you. This carrier has a global reach, with roots in eight countries, and is appreciated for providing exceptional products and services to its consumers. It recognizes what the customers want and gives it to them. It recognizes what the customers require and provides them with just that. 

Another good reason you should go for Elephant Insurance is that it provides additional services and benefits to its customers. Got any legal issues regarding your insurance? They got it covered! Similarly, another amazing service it provides is At-Home Mechanic. If you want regular coverage plus all these and more additional benefits, you should go for this insurance carrier. 

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Frequently Asked Questions

How long will it take for me to receive a quote?

With Elephant Insurance, it is easy for you to get quotes. You can get an accurate quote in about 10 minutes, all from the comfort of your home. 

What types of auto insurance discounts does Elephant Insurance offer?

There are tons of discounts that Elephant Insurance offers. You can get a discount for insuring multiple cars, paying your policy in full, being a responsible driver and many more. 

Is it possible for me to add or remove the coverage in the middle of policy?

Absolutely! You can add or cancel any coverage you like from your online account.  

 

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