Haris Ashley
Elephant Insurance is a property and casualty insurer that offers a variety of insurance products, including car insurance, homeowners insurance, umbrella insurance, and more. They provide standard coverage options such as liability, collision, and comprehensive insurance, as well as add-ons like non-owner car insurance and custom parts coverage. Elephant Insurance is available in select US states, including Texas and Virginia, and has received mixed reviews from customers. While it has a high number of NAIC complaints, it also boasts an average Google rating of 4.7 stars and a high customer renewal rate. Elephant Insurance is a relatively new company, founded in 2009, and is a subsidiary of the Admiral Group, a large UK insurance company known for its financial stability.
| Characteristics | Values |
|---|---|
| Type of insurance company | Car insurance company |
| Types of insurance offered | Customized car insurance, liability, collision, comprehensive, full coverage, homeowners, renters, motorcycle, condo, and umbrella insurance |
| Availability | Available in eight states in the US |
| Online interface | Yes |
| Mobile app | Yes |
| Customer service rating | 2.54 stars |
| Average Google rating | 4.7 stars |
| Customer renewal rate | 9 out of 10 customers renew each term |
| Forbes America's Best Insurance Company | 2023 |
| AM Best financial strength rating | A+ |
| NAIC complaints | Relatively high |
| Legal assistance | Applicable for contesting one minor traffic infraction per year and per driver |
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What You'll Learn
Elephant Insurance's commercial insurance availability
Elephant Insurance is a property and casualty insurer that offers a variety of insurance products and coverages, including car insurance, homeowners insurance, renters insurance, motorcycle insurance, condo insurance, and umbrella insurance. Elephant Insurance is a subsidiary of the UK-based Admiral Insurance Group and was founded in 2009.
While Elephant Insurance provides a range of insurance options, its focus is primarily on car insurance. They offer standard coverage options such as liability, collision, and comprehensive insurance. Additionally, Elephant Insurance provides add-on coverage options, such as non-owner car insurance for drivers who do not own their vehicles and custom parts and equipment coverage for modified cars. Legal assistance is also included in their offerings, covering the cost of a consultation and representation by a lawyer for minor traffic infractions.
Elephant Insurance is currently available in a growing number of US states, with auto insurance policies available in eight states. The company has received mixed reviews, with an average rating of 2.54 stars on The Zebra based on price, customer service, coverage, and financial strength. Elephant Insurance has also received a relatively high number of NAIC complaints. However, its financial strength has been lauded by AM Best, receiving an A+ rating.
Regarding commercial insurance availability, Elephant Insurance does not explicitly mention offering commercial insurance on its website or in the reviewed sources. The company primarily focuses on personal insurance products, including various forms of car insurance and other related coverage options. However, it is important to note that Elephant Insurance offers umbrella insurance, which can sometimes include commercial coverage. Umbrella insurance typically provides additional liability protection beyond what is offered by standard insurance policies, and it may extend to certain commercial activities or operations. Therefore, while Elephant Insurance does not explicitly advertise commercial insurance, their umbrella insurance product may provide some level of commercial coverage depending on the specific details of the policy.
In conclusion, while Elephant Insurance does not directly offer commercial insurance, their umbrella insurance product may provide some level of commercial coverage. It is always advisable to contact the company directly or review the specific terms and conditions of their umbrella insurance policy to determine the extent of coverage and whether it aligns with your commercial insurance needs.
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Elephant Insurance's financial strength
Elephant Insurance, founded in 2009, is a subsidiary of the UK-based Admiral Group. Headquartered in Richmond, Virginia, Elephant Insurance offers a variety of insurance products and coverages, including customized car insurance, liability, collision, comprehensive, and full coverage. In addition, they provide legal assistance for contesting minor traffic infractions and discounts for various eco-friendly and paperless billing options.
While Elephant Insurance has received positive reviews and ratings from its customers, with an average Google rating of 4.7 stars and a high customer renewal rate, its customer service has been rated as "so-so" by third-party rating companies like The Zebra. It's worth noting that Elephant Insurance is only available in a limited number of states, currently eight, which may be a factor in its customer service ratings.
Regarding financial strength, Elephant Insurance has received an A+ rating from AM Best, a third-party rating company that analyzes the financial strength of insurance companies. This rating indicates that Elephant Insurance has a strong financial standing and is capable of meeting its financial obligations.
In addition to its financial strength, Elephant Insurance has been recognized by Forbes as one of America's Best Insurance Companies in 2023. This recognition was based on a survey of over 15,000 customers, who rated their overall satisfaction and likelihood to recommend the company to others. Elephant Insurance has also been praised for its efforts to lower premiums and provide savings to its customers.
Overall, Elephant Insurance demonstrates a strong financial position, as indicated by its A+ rating from AM Best, and has received recognition for its competitiveness and customer satisfaction. However, its limited availability and mixed customer service reviews may be factors that prospective customers consider when deciding on an insurance provider.
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Elephant Insurance's customer service
Elephant Insurance is a property and casualty insurer that offers a variety of insurance products and coverages, including car insurance, homeowners insurance, renters insurance, motorcycle insurance, condo insurance, and umbrella insurance. Elephant Insurance was founded in 2009 and is headquartered in Richmond, Virginia. It is a subsidiary of the Admiral Group, a large UK insurance company.
In terms of customer service, Elephant Insurance has received mixed reviews. On the one hand, the company has been named a Forbes America's Best Insurance Company in 2023, with an average Google rating of 4.7 stars and a high customer renewal rate of 9 out of 10. This suggests that customers are generally satisfied with the company's service. Additionally, AM Best, a third-party rating company, has given Elephant Insurance an A+ rating for financial strength.
However, Elephant Insurance has also received a relatively high number of NAIC complaints, and some customers have reported negative experiences with the company. For example, one customer on WalletHub reported that Elephant Insurance refused to pay a repair shop for damages that were clearly from the same incident, even when presented with photographic evidence. This suggests that there may be room for improvement in Elephant Insurance's customer service, particularly in handling customer complaints and claims.
To enhance their customer service experience, Elephant Insurance offers an app, Elephant Insurance Mobile, for both Apple and Android devices. Customers can use the app to view their ID cards, pay their bills, and file claims conveniently. Elephant Insurance also provides legal assistance for contesting minor traffic infractions and offers a discount on attorney fees for other legal matters. Overall, while Elephant Insurance has received recognition for its service, there are also critical reviews that the company needs to address to improve customer satisfaction.
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Elephant Insurance's legal assistance
Elephant Insurance is a property and casualty insurer that was founded in 2009. It is a subsidiary of the UK-based Admiral Group. The company offers an array of insurance products, including car insurance, homeowners insurance, umbrella insurance, renters insurance, motorcycle insurance, and condo insurance. Elephant's car insurance options include liability, collision, comprehensive, and full coverage.
Elephant Insurance provides legal assistance to its customers, which is applicable for contesting one minor traffic infraction per year, per driver. This legal assistance covers the cost of a consultation and representation by a lawyer. In addition, customers can receive a 25% discount on attorney fees for pre-existing, non-auto-related legal matters such as family law, documentation review, and will preparation.
The company is currently only available in eight states for auto insurance policies, and its customer service ratings are mixed. Elephant has received a relatively high number of NAIC complaints, but its financial strength has been lauded by AM Best, receiving an A+ rating.
Elephant Insurance offers a convenient mobile app for both Apple and Android devices, allowing customers to view their ID cards, pay bills, and file claims easily. The company also provides various discounts and bundles for customers who qualify, such as a homeowner's discount on car insurance policies.
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Elephant Insurance's mobile app
Elephant Insurance is a property and casualty insurer founded in 2009 and headquartered in Richmond, Virginia. The company is a subsidiary of the Admiral Group, a large UK insurance company. Elephant Insurance offers a range of insurance products, including car insurance, homeowners insurance, renters, motorcycle, condo, and umbrella insurance. The company also provides customised car insurance, liability, collision, comprehensive, and full coverage options.
The Elephant Insurance Mobile App is available for both Apple and Android devices. The app allows customers to conveniently manage their policies and claims on the go. Here are some key features and benefits of the Elephant Insurance Mobile App:
Easy Policy Management
The app enables users to access their insurance policies at their fingertips. Customers can view their ID cards, file claims, and manage their coverage options and discounts. This digital accessibility simplifies the process of accessing important insurance information, especially when needed in unforeseen circumstances.
Streamlined Claims Process
Through the app, users can quickly and efficiently file claims. This feature expedites the claims process, allowing customers to initiate the necessary steps for repairs, replacements, or reimbursements without delay. A streamlined claims process can be invaluable during stressful situations, helping to alleviate some of the challenges that arise after an accident or incident.
Secure Payment Options
The Elephant Insurance Mobile App also facilitates secure bill payments. Users can conveniently make payments towards their policy premiums or any other applicable fees directly through the app. This feature ensures that customers can promptly address their financial obligations, helping them maintain their coverage without worrying about postal delays or the inconvenience of visiting a physical location.
Access to Legal Assistance
Elephant Insurance offers legal assistance as part of its services, and the app can provide information and facilitate access to this benefit. This assistance includes contesting minor traffic infractions and discounts on attorney fees for non-auto-related legal matters. Having legal resources readily available through the app empowers customers to take prompt action and make informed decisions when facing legal issues.
Policy Discounts
The app also keeps customers informed about various policy discounts offered by Elephant Insurance. For example, homeowners may qualify for a discount on their car insurance policy. Additionally, customers who start their policy early or pay their premiums upfront can save money. The app helps users stay updated on these opportunities to reduce their insurance costs.
In conclusion, the Elephant Insurance Mobile App provides customers with convenient access to their insurance policies, claims management, and payment options. With additional benefits like legal assistance and policy discounts, the app enhances the overall experience for Elephant Insurance customers, offering ease of use and valuable resources that complement their insurance coverage.
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Frequently asked questions
No, Elephant Insurance does not offer commercial insurance. They are a property and casualty insurer that offers car insurance, homeowners insurance, umbrella insurance, and more.
Elephant offers a variety of insurance products and coverages, including customized car insurance, liability, collision, comprehensive, and full coverage. They also offer homeowners insurance, renters insurance, motorcycle insurance, and umbrella insurance.
Elephant offers a range of benefits, including legal assistance for contesting one minor traffic infraction per year and per driver. They also provide a 25% discount on attorney fees for pre-existing, non-auto-related legal matters. In addition, Elephant offers various discounts, such as a homeowner's discount on car insurance and savings for paying policy premiums upfront.
You can get a quote from Elephant by calling (855) 353-7426 or using their quote calculator online. It is recommended to compare quotes from multiple companies, ensuring you select the same coverages, policy limits, and deductibles for each.
Elephant Insurance has received mixed reviews. They have an average Google rating of 4.7 stars, and 9 out of 10 customers renew with them each term. However, they have also received a relatively high number of NAIC complaints and have lower customer service ratings compared to some other companies.
