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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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D
Dave77382
7/22/2022
I filed an auto claim on June 21st. It’s been 31 days, and still no resolution, no sense of urgency, return every other voice mail and email. I get bounced around from dept to dept. Nobody can make a decision. Pathetic claims process.

M
Michael
3/10/2022
Waiting for over 3 months on them to settle claim. All we get is run around. Lawyer has taken case now ! Stay away !

Lizz N
10/13/2020
Policy cancelled on 10/06/20, I called on 10/9/20 to pay and have policy reinstated. Customer service rep told me the amount(past due + current due) I would have to pay, and that I would need to exclude a driver, who had previously been on the policy due to his license being invalid. I excluded the driver, paid the amount of money required. Never received confirmation of policy being reinstated. Called back this morning and was told that I would have to get another quote and a whole new policy. I will take my business elsewhere and make sure I tell everyone I know to never use this company.

J
John L
7/29/2020
Do not sign up for insurance with this company. They will not pay when you have a claim.

chad.rodgers
2/20/2020
Had an accident where a large portion of my right passenger fender was damaged. Elephant has refused to cover this since they said there was a previous accident on that side of the vehicle and that's no longer covered. I sent in pictures to prove otherwise and they reviewed and still denied the claim. If I could give 0 stars I would but this is typical for an insurance firm to take your money and not want to take care of you after an accident. Will be filing complaints with the BBB as well as the NAIC and Virginia SCC.

Jalil A
2/10/2020
Absolutely useless call center employees. This is a company I would never recommend to anyone

mbm7784
1/24/2020
Awful experience! They will try and nickel and dime you at every opportunity. Will never do business with elephant again.

Susan H
12/16/2019
Communication is atrocious. I can’t get answers to why my rate went up without notice. Second time this has happened at renewal time.

Mary Y
9/27/2019
For the previous months, I am being billed and charged my card for $124 instead of $79. I have cancelled via email. Not a good feeling for this company.

R
Robyn
9/5/2019
Do not get insurance with these people, overly priced, hard to reach, on hold long time, and after a year they will cancel you immediately after expecting a triple payment up front-Its all a scheme to pull you in.

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