Car insurance buyers guide

Why do you need it, what do you need and what should you look out for? Sit back, relax and let Elephant help you decide.

What's a No Claims Bonus?

Every year you drive without making a claim or having a claim upheld against you, earns you an additional year of NCB, which can lead to discounts off your renewal premium. Your No Claims Bonus builds up to a maximum of 15 years.

Here's how it works

Your bonus gives you a certain percentage off the price you pay when you renew with us. The actual percentage varies, but it's well worth having.

The longer you drive without making a claim, the bigger your bonus gets. After five years, it could be as much as 40%.

I already have a bonus. Can I use it with you?

Yes! If you're moving to Elephant from another insurer (clever you), you can use your existing No Claims Bonus to save you money. You just need to send us your old insurer's renewal notice, which will show us your bonus.

What if I have to make a claim?

Your No Claims Bonus might still be OK. We don't touch your bonus if you've claimed for windscreen damage, emergency treatment fees or if the claim wasn't your fault, and we've recovered all our money from the other person's insurer.

So a No Claims Bonus is worth looking after?

Definitely. That's why we offer to protect or guarantee your No Claims Bonus for a small extra payment.

After you've been with us for four years without a claim, you can opt for protected No Claims Bonus or after 5 years claim free you can opt to guarantee it.

With a guaranteed No Claims Bonus, you can make unlimited claims without losing any of your bonus.

With a protected No Claims Bonus, you can claim twice in three years without losing any of your bonus.

Where your No Claims Bonus remains unaffected, in most instances a claim will lead to some increase in premium at renewal.

However, our motor premium calculation will include the No Claims Bonus discount to which you are entitled. See your car policy details for more information.

Someone else drives my car. Can they earn a No Claims Bonus too?

Yes! If they're a named driver on your policy, they can build up their No Claims Bonus, ready for when they take out their own Elephant car insurance.

It's very handy if you have a son, daughter or partner who'll want their own car in the future.

I have two cars. Can I use my No Claims Bonus on both policies?

That's a maybe - it all depends on your age, driving record and what the cars are. Best bet is to give us a call on 0333 220 2086 and we'll do our best for you.

Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.


Help us improve our website

Is our website easy to use? Does it have all the information you need? Tell us what you think.

Please note, whilst we value your feedback and review it on a regular basis, we do not reply directly to comments submitted via this form.

If you have feedback on our other services or need assistance in any other way, please use our  secure form.

Errors on form:

Your details

Tell us what you think



Thank you for your feedback on our website


Processing - please wait

Tell us what you think...