Paul Sanchez
Elephant Insurance is a car insurance company that offers home and car insurance coverage and discounts. The company provides standard coverage options like liability, collision, comprehensive, and uninsured motorist coverage. Elephant Insurance has received praise for its convenient online tools, flexible payment plans, and highly reviewed mobile app. However, some customers have criticized the company for its handling of claims, unexpected rate increases, and poor customer service. In April 2022, there were reports of the company's website being down for an extended period, with some speculating a potential ransomware attack. Elephant Insurance continues to operate and serve its customers, but it is important to consider both positive and negative reviews when evaluating their services.
| Characteristics | Values |
|---|---|
| Customer service | Poor, unresponsive, untrustworthy, bad manners, slow to pay out |
| Claims handling | Slow, unresponsive, uses third party to approve claims, recommends junkyard parts, fraudulent behaviour |
| Discounts | Multi-policy, bundling, online quote, pay-in-full, paperless, e-signature, multi-car, good driver, good student, work from home, multi-policy |
| Service area | Limited, only available in eight states |
| Perks | E-signature, online quotes, work-from-home discounts, quick online application, bundling discount, custom equipment coverage, legal assistance |
| Customer confidence score | Higher than the industry average |
| Google rating | 4.7 stars |
| Customer retention | 9 out of 10 customers renew each term |
| Awards | Forbes America's Best Insurance Company 2023 |
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What You'll Learn
- Elephant Insurance offers car and home insurance with various discounts
- The company has received mixed reviews, with some criticising its customer service
- It offers flexible payment plans and online tools, but its service area is limited
- Elephant provides standard coverage options like liability, collision, and comprehensive insurance
- The company offers a discount for those who work from home and drive less as a result
Elephant Insurance offers car and home insurance with various discounts
Elephant Insurance is a Virginia-based company offering various insurance policies, including auto, home, and renters coverage. The company was founded in 2009 and is a subsidiary of the U.K.-based Admiral Group. Elephant offers car insurance in eight states: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.
Elephant Insurance provides a range of coverage options, including liability, collision, and comprehensive insurance. They also offer full coverage auto insurance, which includes state-required liability coverage, as well as comprehensive and collision coverage. Elephant's licensed agents and online tools provide clear answers and guidance without the jargon.
In addition to car insurance, Elephant also offers home insurance. Customers can bundle their home and car insurance for convenience and savings. Elephant also provides other types of insurance, such as renters, motorcycle, and life insurance.
Elephant Insurance stands out for its range of discounts on offer. Customers can save up to 40% with various discounts, which is more than what many competitors offer. Some of the discounts available include:
- Multi-car discount: Up to a 46% discount for insuring all vehicles in a household under one policy.
- Early bird discount: Up to a 10% discount for switching to Elephant Insurance before the expiration of your current policy.
- Multi-policy discount: Bundling home and car insurance can save up to 12% on premiums. Bundling auto insurance with other policies can earn a discount of up to 4%.
- Homeowner's discount: Discount for being a homeowner.
- Work-from-home discount: Discount for those who work from home.
- Pay-in-full discount: Saving up to 8-15% by paying premiums upfront.
- Electronic signature and paperless account discounts: Average savings of 3% on both.
- Online quote discount: Average savings of 3% when getting a quote online.
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The company has received mixed reviews, with some criticising its customer service
Elephant Insurance has received mixed reviews from its customers, with some criticising its customer service. While the company has been recognised as one of Forbes America's Best Insurance Companies in 2023, it has also faced numerous low customer ratings.
Some customers have praised Elephant Insurance for its competitive coverage options and discounts, especially when compared to other larger and more well-known car insurance companies. Elephant Insurance offers a range of discounts, including multi-policy, multi-car, good driver, good student, and work-from-home discounts. The company also provides standard coverage options such as liability, collision, comprehensive, and uninsured motorist coverage. Elephant Insurance's website also offers convenient online tools, flexible payment plans, and a highly reviewed mobile app.
On the other hand, some customers have expressed dissatisfaction with the company's customer service and claims handling process. Some reviews mention issues with filing claims, including delays in processing and difficulties in getting approved for coverage. There are also complaints about unexpected rate increases, even for loyal customers with no claims or accidents on their records. Additionally, some customers have reported negative experiences with Elephant Insurance's repair network, claiming that the company deemed their vehicles as total losses without proper inspection and refused to pay repair shops, even with photographic evidence of damages.
It is worth noting that customer experiences can vary, and it is always advisable to research and compare multiple insurance providers before making a decision.
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It offers flexible payment plans and online tools, but its service area is limited
Elephant Insurance is a car insurance company that offers home insurance and various discounts for savings. The company provides standard coverage options, including liability, collision, comprehensive, and uninsured motorist coverage. Elephant also offers flexible payment plans and convenient online tools, such as a mobile app, online quotes, and e-signatures. Additionally, they provide a discount for those who work from home.
However, Elephant Insurance has a limited service area and is currently only available in eight states. This means that customers in certain states may not be able to access their services. While Elephant Insurance offers competitive coverage options and discounts compared to bigger insurers, its limited availability may be a drawback for some potential customers.
The company has received mixed reviews from its customers. Some have praised Elephant Insurance for its affordable policy options and convenient online tools, while others have criticized the company for its handling of claims and unexpected rate increases. There have been reports of difficulties in filing claims, with some customers experiencing delays and issues with receiving payments. Additionally, some customers have expressed concerns about the company's practice of determining damage estimates without inspecting vehicles.
In terms of payment plans, Elephant Insurance offers flexibility, allowing customers to choose from different coverage limits and payment options. Customers can also save money by paying their annual premium in full or opting for paperless billing. The company also provides discounts for bundling multiple policies and maintaining a good driving record.
Overall, while Elephant Insurance offers flexible payment plans and convenient online tools, its limited service area may be a consideration for potential customers. It is important for individuals to research their options and choose an insurance provider that best meets their specific needs and requirements.
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Elephant provides standard coverage options like liability, collision, and comprehensive insurance
Elephant Insurance is a car insurance company that offers a range of standard coverage options, including liability, collision, and comprehensive insurance. Elephant's insurance coverage helps protect you and your car in the event of an accident.
Liability insurance is a required coverage in most states and helps pay for an injured person's medical bills or repairs to someone's vehicle if you cause an accident. Comprehensive coverage, on the other hand, helps pay for repairs or replacement of your car if it is damaged by an unexpected event, such as theft, vandalism, or a collision with an animal. Collision coverage specifically covers damage caused by a collision with another vehicle or object.
In addition to these standard coverage options, Elephant also offers uninsured/underinsured motorist coverage, which protects you if you are in an accident with a driver who does not have sufficient insurance. Elephant also provides customized car insurance, allowing you to choose from different coverage limits and payment plans. They offer flexible payment options, such as the ability to pay your annual premium in a lump sum, and convenient online tools for managing your policy and claims.
Elephant Insurance provides services in Georgia, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia. While they only serve a limited number of states, they have been recognised as a Forbes America's Best Insurance Company in 2023. Elephant Insurance strives to offer protection and convenience to its customers, with positive reviews for their claims handling and customer service.
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The company offers a discount for those who work from home and drive less as a result
Elephant Insurance offers car insurance with a range of standard coverage options, including liability, collision, comprehensive, and uninsured motorist coverage. The company also provides optional features such as roadside assistance and diminishing deductible. Elephant Insurance has been recognised as one of Forbes America's Best Insurance Companies in 2023.
In addition to its standard offerings, Elephant Insurance provides various discounts to its customers. One notable discount is aimed at individuals who work from home and, as a result, drive less frequently. This discount recognises that those who work remotely may not commute daily or travel as extensively, resulting in reduced mileage and lower insurance risks. By offering this discount, Elephant Insurance acknowledges the changing nature of work and the impact of remote work on driving habits.
The work-from-home discount is particularly advantageous for customers who have transitioned to remote work or have flexible work arrangements that allow them to spend more time at home. By considering the decreased time spent on the road, Elephant Insurance provides an incentive for customers to save money on their car insurance premiums. This discount can be especially beneficial for those who drive less than the average number of miles per year.
In addition to the work-from-home discount, Elephant Insurance offers other ways for customers to save on their insurance policies. For instance, customers can receive a discount by bundling their auto insurance with homeowners, renters, or motorcycle insurance policies. Elephant Insurance also rewards good students with a discount, targeting full-time students aged 16 to 25 who maintain a "B" average or higher.
While Elephant Insurance offers competitive rates and discounts, it is important to note that the company has received mixed reviews from customers. Some individuals have praised the company for its affordable policy options and convenient online tools, while others have expressed concerns about claim handling and unexpected rate increases. It is always advisable to research a company's reputation and read customer reviews before making any insurance decisions.
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Frequently asked questions
Elephant offers car insurance, homeowners insurance, and life insurance.
Elephant offers flexible payment plans, a variety of buying options, and convenient claims filing. Elephant also offers discounts for bundling policies, paying in full, going paperless, good driving records, and being a student.
Reviews for Elephant Insurance are mixed. Some customers have praised the company for its affordable policy options and high customer satisfaction, while others have criticised the company for its poor customer service and claims handling.
