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Elephant Car Insurance

Smart Score

51

Industry Average: 75

Smart Score

51
/100

Industry Average: 75

Customer Service

4.7
/10

Industry Average: 7.7

Claims Process

2.7
/10

Industry Average: 8

Value for Price

6.1
/10

Industry Average: 7

Elephant Overview

Elephant Auto Insurance is a customer-centric direct insurer headquartered in Richmond, Virginia. Founded in 2009, Elephant is a subsidiary of Admiral Group plc, a FTSE 100 company and one of the U.K.’s leading insurers with a presence in eight countries and over 6 million customers worldwide. It also offers home, umbrella and renters insurance through partners. It is dedicated to be mostly online, direct-to-consumer company, so it'll be a good choice if you prefer this kind of appoach. Customers eligible for all discounts could potentially save up to 40 percent compared to what they would pay normally.

Lines of Business:

Elephant Ratings Breakdown

Smart Score

51

Elephant: 51
Industry Average: 75
Elephant: 51
Industry Average: 75

Why our Smart Score matters

Elephant’s Smart Score of 51 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Elephant’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 51, Elephant falls short of the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

4.7

Elephant: 4.7
Industry Average: 7.7
Elephant: 4.7
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Elephant’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Elephant’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Elephant’s service score of 4.7, they have a weak rating compared to similar auto insurance companies, which clock in at an average of 7.7.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

2.7

Elephant: 2.7
Industry Average: 8
Elephant: 2.7
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Elephant. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Elephant handles it.


Elephant’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Elephant.


What does this mean for you?

Evident from a claims score of 2.7, Elephant has a less stellar rating compared to the average claim score of 8 for similar auto insurance companies.


With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.

Value for Price

6.1

Elephant: 6.1
Industry Average: 7
Elephant: 6.1
Industry Average: 7

Elephant’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Elephant comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Elephant’s value for price score of 6.1 is not great compared to the average of 7 from other auto insurance companies.

With few sources reporting price value data for this company, we don’t have an estimated range. As a result, we’re not 100% sure about this score. It’s more of an educated guess, so take it with a grain of salt.

Elephant Auto Official Complaints

Official Complaints

Worse than average

Tracks how many more or less official complaints Elephant has than average. With an index of 4.13 Elephant is worse than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Elephant has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Elephant has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 4.13 Elephant is worse than average.

Customer Reviews

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0 Reviews

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100%

of customers would reccomend this company to a friend

3 customer reviews

DUR Shre

Auto Customer

I am satisfy for my insurance company. Especially, they have good customer service and answer phone calls on time. Road side help was very good and easy. I love customer service and help for claim. So, they helped me every aspect what i need for my insurance.

Price Value: 3

Claim Satisfaction: 4

Customer Service: 3

Recommend: yes

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Amonsak W

Auto Customer

This company has been very easy to use. Everything I had done has been almost completely online and with out any hassle. Actually I did most of the work on my phone. They have a app that is good and easy to use. I found this with the advertisement online, the pricing is good to a point I don't feel like I am being cheated with the price. They are offering use a better deal with having multiple cars and with use not driving as bad. We also don't have very many accident so our prices is decent for what it could be.

Price Value: 3

Claim Satisfaction: 2

Customer Service: 2

Recommend: yes

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Beverly W

Auto Customer

The only interaction I have had with the company is when I first obtained my policy. I found them fast and efficient. They knew the state minimums and the quote they gave me was a bit lower than the other two companies I had contacted. The whole transaction didn't take much longer than 20 minutes,

Price Value: 3

Claim Satisfaction: 3

Customer Service: 2

Recommend: yes

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Elephant Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Elephant

Available OptionsWhat it meansSee something wrong?
Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Rental Reimbursement

Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.

Gap Insurance

Helps pay off your auto loan if your car is totaled or stolen and you owe more than the car's depreciated value.

Vanishing Deductible

An option on your insurance that rewards the driver with a smaller deductible each year they do not get into an accident.

Elephant availability in these states

Elephant Auto Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Elephant has below in order to hlep determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionsWhat it meansSee something wrong?
Good Driver

Typically relates to a driver's history (or lack thereof) of accidents and violations. Often has a 3 to 5 year lookback period.

Passive Restraint

Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts.

Anti Theft Device

This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.

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