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Elephant is an insurer based in the UK. It started in the year 2000. The company’s office is in Cardiff. It gives you flexible car cover picks, which can match many types of budgets and meet different driving needs. If you want a fast car insurance quote or need full comprehensive coverage, Elephant has good choices for you. The plans can offer personal injury protection with other helpful add-ons. Elephant car insurance is fully allowed by the Financial Conduct Authority (FCA). People living in the UK and also in Europe can get car insurance from this company. The company makes sure their drivers have a way to get help for personal injury if they need it.

Elephant insurance makes it easy for you to add extras to your car insurance policy. You can choose things like breakdown cover, personal injury, personal injury protection, sports equipment cover, and European cover. The Elephant app lets you see all your policy details for your car insurance. With the app, you can read your documents, take care of your car insurance, and ask to change things at any time.

What types of car insurance coverages does Elephant offer?

Elephant offers many types of car insurance coverages. This makes it easy for people to choose the right cover for them. You can get car insurance that fits what you need.

Type of Policy What It Covers Best For
Comprehensive coverage Car accident repairs, theft, fire, collision damage, third-party damage, personal injury cover, sports equipment cover Drivers wanting full coverage and maximum protection
Third Party, Fire & Theft Third-party liability plus fire and theft protection Drivers seeking mid-level cover at a lower price
Temporary Car Insurance Short-term car cover for days or weeks Borrowing a car, short trips
MultiCar Insurance More than one car under the same policy Families and multiple-vehicle households
Learner Driver Insurance Short-term cover for learners driving in another car Provisional licence holders

Does Elephant include breakdown cover?

Breakdown cover is something that you can choose to add if you want it. A lot of plans in the UK let you have this extra help. With breakdown cover, you get roadside assistance if your car stops working in the UK. If you plan to drive in Europe, there is a way to get more cover for that as well.

Breakdown Cover Option Area Covered Price (from) Includes
Roadside Assistance UK £26/year Call-out and roadside repairs
National Recovery UK £40/year Transport to any UK location if repairs fail
European Cover UK & Europe £75/year Assistance in over 35 European countries

Does Elephant offer personal injury cover?

Yes, many car insurance plans give you personal injury cover. If you feel you need more, you can upgrade the plan to get a higher payout for personal injury.

  • Standard cover – If you get a serious injury in a car accident, you can get up to £5,000.
  • Enhanced cover – You may get up to £10,000 for personal injury protection.
  • This cover can help pay for medical payments for the driver and passengers. It is helpful for people who want more personal injury protection if they get hurt in a car accident.
Does Elephant offer personal injury cover

What optional extras are available with Elephant Insurance?

Elephant lets you pick extra things to add to your car insurance. You can put these in your car insurance policy. This will help you get more cover for your car.

Optional Extra Price (from) Benefit
Breakdown Cover £26/year UK or European roadside assistance
Personal Injury Upgrade £25/year Higher payout limits
Sports Equipment Cover £20/year Protects valuable sports gear in your car
Motor Legal Protection £30/year Covers legal costs after a non-fault accident
Hire Vehicle Cover £19.90/year Courtesy car during repairs
Key Cover £19/year Replacement of lost or stolen keys

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Can you manage Elephant car insurance through the mobile app?

Yes, you can use the Elephant app any time to see your policy details. The app lets you download your papers and ask for changes. It is easy to get roadside assistance with this app. When your case is done, you will see the star rating for your claims in the app. You can also use the app to file and check all your claims.

  • You can see all your car insurance policy details.
  • You can get your documents online with no trouble.
  • You have the choice to change your car insurance cover or pick your excess.
  • You can file claims and check if they are moving forward.
  • You can look at the star rating for claims satisfaction.
  • There are contact numbers you can use for roadside assistance in the UK or Europe.

How does Elephant compare to other UK car insurance companies?

Feature / Provider Elephant Admiral LV=
Comprehensive Coverage Yes Yes Yes
Breakdown Cover Optional Optional Optional
Personal Injury Protection Yes Yes Yes
Sports Equipment Cover Yes No Yes
Mobile App Yes Yes Yes
European Cover Yes Yes Yes
Car Insurance Discounts Yes Yes Yes

How much does Elephant car insurance cost?

If you want to see your options quickly, you can get an instant car insurance quote online. You can compare quotes today. This helps you find the right cover for you at a price that fits what you want to spend. Changing your car insurance policy is easy. You can add extras that you want, and remove the ones you do not need. This way, you only pay for the car insurance and cover that you use.

How much does Elephant car insurance cost

Ways to lower your premium:

  • Increase your excess if you want to bring down what you pay for your plan.
  • Put a safe named driver in your plan.
  • Pay for the full year instead of paying each month.
  • Keep your driving record clean. This helps you keep your no claims bonus.

Car insurance discounts you can check:

  • You can keep your no claims bonus.
  • There can be telematics or low-mileage policies if they have it.
  • There is a discount if you have more than one car.
  • You save more money when you pay for the whole year and not just every month.
  • A car that has good security and sits in a safe spot helps.

Who is Elephant best for?

  • UK drivers who want full coverage for their cars. You can also add other options if you like.
  • People who want sports equipment cover and enjoy playing sports.
  • UK drivers who go to Europe and want their coverage to work there.
  • Drivers who use an app to see and manage their policy with a mobile app.

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Glossary of Elephant Insurance Terms

  • Breakdown cover – Breakdown cover is extra help you can add to your car insurance. If your car stops working on roads in the UK or Europe, a truck will come to you. The truck can fix your car right there, or take you and your car to a safe place.
  • Named driver – A named driver is someone else listed on your car insurance policy. This person can drive your car when you give them your okay.
  • Personal injury protection – Personal injury protection, sometimes called personal accident cover, will give money to you or your passengers if you get hurt in a car accident.
  • Sports equipment cover – Sports equipment cover is extra help with your car insurance that pays if things like bikes, golf clubs, or skiing gear in your car are stolen or damaged.
  • European cover – European cover helps your car insurance work for a short time when you drive in other European countries. A lot of people get this with full car insurance or comprehensive cover.
  • Excess – Excess means a set amount of money you pay first if you make a claim. Once you pay this, your insurer pays out the rest.

Does Elephant car insurance include sports equipment cover?

Yes, a sports equipment cover is good to keep your things safe. You can use it if you have golf clubs, bikes, or skiing gear. A lot of people put these things in their cars. A sports equipment cover helps people who take their costly sports gear with them when they drive.

FAQs About Elephant Car Insurance

Roadside assistance gives help if you add breakdown cover to your plan. You can choose to use breakdown cover in the UK. Or, you can have it all over Europe.

Yes, the sports equipment cover will help keep your things safe. You can put it on bikes, golf clubs, and skiing items. The cover makes sure your gear stays in good shape, so you will be able to use it for many years.

Yes, you can add hire vehicle cover. This helps you stay on the road if your car has to be fixed.

Yes, you can use the Elephant app to see your policy details. The app lets you change your cover. You can also use it to file claims. It gives you roadside assistance numbers, too.

Yes, you can have car insurance for a short time. This works well if you need to use a car for a few days. It is also good if you want to go on a trip for the weekend.

Yes. If you have comprehensive coverage, your insurer will help with the repairs after you get into a collision. You will still have to pay the excess. If another insurer says that they are at fault, there are steps you can take to get the excess back. This can help keep your no claims safe.

Yes, with comprehensive policies, you can get up to 90 days of european cover. You do not have to pay more for this. Most countries in the EU are part of this cover. If you want to stay for more days, you will need a policy that gives you extended european cover.

Many claims get settled quickly. But when it comes to theft or personal injury, there can be a waiting period. You may need to wait a little longer. This happens because the company needs time to look at all the papers and proof before they finish.

You will get a renewal notice before your policy ends. This notice will show your premium, policy details, excess, and extras like breakdown cover or European cover. You need to look for any changes in the price, discounts, or excess. Most policies in this group will auto-renew. If you do not want your policy to renew, you have to update or cancel your policy before it ends. You can cancel at any time, but there may be admin fees if you do so. If you make a claim, you might not get a refund for that time.

You can cancel your policy with Elephant at any time you want. To do this, you need to contact them. There might be some fees to pay when you cancel. The amount you pay depends on how much time is left on your policy. You might get back some money for the part of the premium you have not used. The admin fees will be taken out first. If you have made a claim and then want to cancel early, you will not get a refund for any unused premium.

Elephant is a UK insurer that many people choose because of its good prices and flexible cover. A lot of customers feel they get a fair deal with what the company gives. Most of the people who use Elephant give it a star rating of 4 out of 5. They like the way the insurer deals with claims. Some people also say it is simple to make changes to your policy. A lot of customers talk about the app and say it is easy to use. This makes things better and easier for them.

Elephant can give car insurance to young drivers and those who are new to driving. The price is higher because they are seen as risky. You can try to lower this cost. One way is by adding a safe driver as a named driver to your policy. A car that is in a lower group can help you spend less on car insurance. Telematics can also help you get a better price if it is in your plan.

Yes, the windscreen cover is often part of comprehensive car insurance. There could be rules about what you pay and what you get if your windscreen needs fixing or replacing. If you want to know more, read your policy schedule.

Yes, you can say you want to add business use when you get a quote or after you have your policy. This can make your price go up. How much the price changes will depend on what kind of work you do and how many miles you drive.

Yes. Most car insurance plans give you european cover for up to 90 days in each year. If you want to stay out for more time, you will need to get some extra cover.

Yes, no claims bonuses get added to your plan every time you renew it. Over time, these bonuses may help make what you pay be less. If you do not want to lose your NCB after you make a claim and it is your fault, you need to protect it.

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Page last updated on: 18/08/2025

Page reviewed by: Shay Ramani

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