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Elephant Auto Insurance Review

18 Customer Comments & Reviews - see all comments
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Elephant Auto Insurance is an auto insurance provider based out of Virginia. Founded over two decades ago, this company is a subsidiary of UK-based auto insurer Admiral Group, and aims to provide auto insurance for Texas, Tennessee, Virginia, Maryland, Illinois, and Indiana, at prices competitive within the industry.
 
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How is Elephant Auto Insurance rated?

Breakdown

4.5/5
Coverage
4.4/5
Financial Strength
0.0/5
Supplemental Coverage
5.0/5
Pricing & Discounts
4.5/5
Claims Satisfaction & Customer Experience
4.5/5
Automation

Overall Rating: 4.5 / 5 (Excellent)

Between its limited range of coverage and discount options and lack of financial accreditations, it’s difficult to judge Elephant Insurance on such a minute set of data points.

All told, in conjunction with its radically high complaint ratio, this company is not a provider of car insurance that comes highly recommended.

Elephant Auto Insurance Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability

Coverage - 4.5 / 5

Elephant Auto Insurance, especially as compared to its fellows in the industry, offers a very limited number of basic coverage items - bodily injury and property damage liability.

On top of this, there are no premium add-ons with which to supplement such coverage.

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio
2.27
NAIC Total Complaints 2020
47

Customer Ratings

BBB Rating
A+
Number of BBB Positive Reviews
6
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
34
Date Collected
2017-11-10
*The NAIC Car Insurance complaint ratio (in this case 2.27) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Claims Satisfaction & Customer Experience - 4.5 / 5

Although Elephant Auto Insurance possesses an A+ rating with the Better Business Bureau, it’s contradicted by 34 negative reviews. This is further reinforced by its complaint ratio, which reads at a high 2.27. All together, the data indicated that this company’s customer experience is decidedly negative.

Financial Strength

Key Details

Standard & Poor's Financial Rating
NR

Financial Strength - 4.4 / 5

Unfortunately, Elephant Auto Insurance’s financial strength is difficult to judge. The company gone unrated by Standard & Poor's. For a company that has been in business since 2009, there should be more information to go on at this stage.

Pricing & Discounts

Discounts

  • Multiple Vehicle
  • Safe Driver
  • Student
  • Bundled Policy

Additional Discounts

  • Full/Automatic Payment

Pricing & Discounts - 5 / 5

As far as its discounts go, Elephant Auto Insurance’s are relatively run-of-the-mill. While student discounts and multiple vehicle bonuses are quite common, this company also offers discounts to those who engage in automatic payments.

Contact & Additional Information

Homepage URL
https://www.elephant.com
Company Phone
(800) 353-7426
Headquarters Address
9950 Mayland Dr, Henrico, VA, 23233
Year Founded
2009

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18 Customer Comments & Reviews

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oohbaby380
8/6/2019
1 star says Terrible and that is most def what I rate this company and customer service. My daughter was driving my car and was hit but, she got a ticket because she was pulled up further than the stop sign only because it was a big curve from the left. The insurance company told me my car could only be in storage for 1 week then told me I had to pay to get it out that this was being investigated because my daughter was driving my car & uses my address. 1 week and 2days later still no rental and no contact back from the insurance company unless I call them. The adjuster said the car was totaled but, that is all I have is a totaled car still occurring storage fees. This company is by far... Read More

Tommie V
6/15/2019
I have to agree with the following comments. My daughter was involved in an accident on May 18, 2019. The man who hit her was apparently from another part of the universe. No english, no license, no insurance. We had the license plate of the car, the name (which I was able to find on my own) and have this information to the insurance company. We were not contacted regarding this claim. The car was totaled, my daughter did not get permission for a rental car for 2 weeks. She was allowed a rental for 1 week, plus she was trying to not add to our next year premium carried insurance on this rental herself. She tried to not have to use the uninsured car insurance in order to save future... Read More

Jose O
4/4/2019
Terrible. I was happy initially when they covered my accident last November and then they called me a few days ago saying they wouldn't renew the policy because I "lied about my address when making the claim". Aka, I clearly told them I was only away from Virginia to Maryland for a few months when the accident happened for a short term contract job but my permanent address was always going to be in Virginia. It's so absurd since people do this all the time of being assigned to other states for work temporarily while on projects.

D
Dustin
4/2/2019
Do not sign up with this company. They are scam artists looking to squeeze every penny out of you that they can. Their customer service is complete crap and Sasha should be fired for the way she deals with unhappy customers. If i could give them less than one star I would.

M
Mrs J
3/29/2019
I was involved in an accident where another vehicle hit me and then fled. I snapped a photo of his license plates as he drove away, so I was able to make a claim through my insurance (Elephant) online. It took 2 days for them to call me regarding the accident. My adjuster, Cordell, seemed nice enough when I spoke to him at first. He looked up the hit and run driver based on the photo I had and contacted his insurance company for me, which was Allstate. I spoke to the Allstate agent, sent both insurance adjusters photos with their own apps then I got an email from Allstate admitting blame with a $1700 estimate. Cordell then called and left a voicemail for my husband (he never would call... Read More

Sandi H
2/18/2019
Worst experience EVER! No help via customer service online, said would be one price to add vehicle, but charged my bank account a higher amount! Then tried to cancel and couldn’t tell me how much my refund would be! This company is guilty of theft and deceptive practices! WARNING! Do NOT use this company!

Nacha F
11/4/2018
I would not recommend this company. I've difficulties downloading my card insurance and some documents and they wanted me to pay for that. My insurance quote has been changed because I didn't update some information on their website, getting close to double up the original price I've paid. I never had before these issues with previous insurance companies.

A
Angela P
9/21/2018
I became a customer with Elephant Insurance on August 2018 and to be honest I am not having a good experience at all with your company. The first incident, I hit a rough patch and was a little late on making my monthly payment and my normal payment of 111.55 jumped to 156+ dollars, in spite of me contacting you ahead of time and requesting an extension. I made my payment a few days after my payment date when most Insurance companies give you a 10 day grace period. Second incident I needed to utilize the roadside assistance I purchased with you this morning and it took 3 calls and 5 hours total for someone to come. There was no one on Elephants side attempting to take accountability... Read More

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