UK Elephant Car Insurance

If you are in the market for cheap car insurance, it can be frustrating finding an insurance company that offers the coverage you desire while still offering affordable insurance premiums. One popular insurance company in the UK is Elephant Car Insurance. This company offers different plans to suit any drivers’ needs. Before selecting a policy based on price, research your options and keep yourself up to date on the coverage you are purchasing.

For drivers looking for the lowest price insurance, Elephant offers Cheap Car Insurance plans when covering only for third party losses. This plan only covers up to the limits you have stated on your policy declarations and only pays to the third party if they are injured or if they have property damage and you are the at fault driver.

 Elephant also offers fully comprehensive plans for drivers in need of broader coverage.  These plans include coverage for the third party along with additional protection against fire damage and theft of your vehicle.  The fully comprehensive plan will carry a higher monthly premium, however, it will offer you the peace of mind that in the event of an unforeseen loss your vehicle will be covered.

To maintain low insurance rates, Elephant Insurance incorporates a policy deductible or co-payment for Fully Comprehensive losses.  This means the policyholder will be responsible for a designated amount of damage (ex: $1000) and the policy will pay all damage in excess to this amount.  If it is deemed the accident is not the fault of the policyholder, the deductible will be waived or refunded.  Elephant Insurance will also pay for legal fees in the event that the other party disputes the fault of the accident.  Generally, a settlement will be made in arbitration.  No matter who is deemed at fault, as long as your policy includes Fully Comprehensive coverage your damages will be paid minus the deductible stated on your plan.

As an Elephant customer, if you have continually carried a claims free record, you will receive a No Claims Bonus.  This discount will significantly lower your insurance premiums.  While you have this No Claims Bonus, if you are involved in an at fault accident, the discount will be removed at your next renewal period.  There is also a chance that if you have a comprehensive claim such as theft of your vehicle, your discount can be affected as well. 

In conclusion, Elephant Insurance Company offers a variety of different insurance policies that may suit any drivers needs.  They offer competitive rates with broad coverage.