Manage your Elephant Insurance policy

Manage your Single Car or MultiCar insurance below. You can also view your policy documents here.

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You can view your policy documents online:

View policy documents

You can make a change or get a quote to make a change to your policy online. Here are the changes you can make:

Update your name or address

Change your vehicle or add a temporary vehicle

Update, add or remove drivers on your policy

Update policy details, such as cover, use and mileage

Change your payment date

Add modifications, claims or convictions

If your change isn't listed, please call us to update your policy.

Update policy online Call us to update

You can use our online form to confirm proof of your No Claims Bonus.

Please note: You only need to provide proof of your No Claims Bonus if requested by us.

Confirm no claims bonus

Your Proof of Bonus can be found in your Motor Renewal Confirmation. If you are an online customer you can view this document by signing into your online account.

View personal documents

If you receive your documents through the post then this document would have been sent ahead of your renewal date.

If you have cancelled your policy in the middle of your policy term, your Proof of Bonus would have been sent by post in a document titled 'Proof of No Claims Bonus'.

If you're a Telematics customer you can view your dashboard here:

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Do you have any questions?

Buying a policy

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Is immediate cover available?

Yes, get a car insurance quote and you'll find out everything you need to know.

How can I pay?

We accept payment in full by Visa, Mastercard, American Express, Maestro or Visa Debit/Delta. You can also pay by Direct Debit if you call us on 0333 220 2086 and tell us that you want to pay by Direct Debit before you take out a policy with us, or when you renew your policy.

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

Do I need to be the registered owner of the car to insure it?

Normally either the policyholder or their partner needs to be the registered owner of the car. We can sometimes insure personal lease cars. Please call us on 0333 220 2086 for further details.

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

What type of cover can I buy?

We offer three levels of car insurance cover:

Comprehensive cover offers you the highest level of protection. You are covered for accidental damage, fire, theft or malicious damage to your own car, as well as any damage you cause to other people and their property.

Third Party, Fire & Theft cover insures you against fire or theft damage to your own car, or any damage you cause to other people and their property.

Third Party Only cover is the lowest level of protection available. You are covered for any damage you cause to other people and their property. Your car is not covered for any type of loss or damage.

What is the difference between a 10-month bonus accelerator and an annual policy?

Our bonus accelerator policy lasts for 10 months instead of 12, but credits you with a full year's No Claims Bonus after 10 months. This means that you can build up your No Claims Bonus more quickly, so long as you don't make a claim. Our bonus accelerator policy could be suitable for people who are taking out insurance for the first time, or who have recently lost their No Claims Bonus.

If you already have a maximum No Claims Bonus, we recommend you take our annual policy. This runs for 12 months.

Why do I have to tell you what I use my car for?

We need to make sure that your car insurance policy covers the activities that you use your car for. There are five 'classifications of use':

Social only: Using your car for social, domestic and pleasure purposes. This does not cover use between home and work.

Social and Commuting: Using your car for social, domestic and pleasure purposes and use by the policyholder or any other driver covered by the policy for travel between home and permanent place of business. This does not cover any form of business use, including journeys to different places of work.

Business class 1: Using your car for social, domestic and pleasure purposes and use by the policyholder or any other driver covered by the policy for travel between home and permanent place of business. Plus use by the policyholder only in connection with his or her business or profession. This does not cover use for selling or commercial travelling, or use by any other driver for business purposes.

Business class 2: Social domestic and pleasure purposes and use by the policyholder or any other driver covered by the policy for travel between home and permanent place of business. Plus use by the policyholder and named drivers in connection with their business. This does not cover use for selling or commercial travel.

Business class 3: Social, domestic, and pleasure purposes and use by the policyholder or any other driver covered by the policy for travel between home and permanent place of business. Plus use by the policyholder in connection with his or her business or profession and also by other drivers covered by the policy on the business of the policyholder and on the business of the employer of the policyholder, which includes use for selling or commercial travelling.

What is No Claims Bonus?

For every year of claim free driving, you earn a discount off the cost of your renewal. If you have already earned No Claims Bonus with your previous insurer, we will ask you to send us written proof (usually a renewal notice or Proof of No Claims Bonus letter from your previous insurer).

Will you accept No Claims Bonus proof from abroad?

We can accept proof of No Claims Bonus from any EU country so long as it is in writing and we can confirm the bonus with the insurer if necessary. The proof document must show your No Claims Bonus in years and not as a percentage. We can only accept No Claims Bonus from the EU.

Will you accept company car No Claims Bonus?

In some instances we may accept No Claims Bonus from a company car scheme. We would need to see the following information on company headed notepaper:

  • Your name
  • Dates of insurance with the company
  • Details of any claims or accidents
  • Registration number of car insured with company
  • Confirmation of social, domestic and pleasure use
  • Confirmation you were the sole user of the car i.e. it was not a 'pool' car
  • Confirmation you no longer have use of this car i.e. the No Claims Bonus has been released

When can I protect my No Claims Bonus?

You will be able to protect your No Claims Bonus so long as:

  • You have four or more years No Claims Bonus
  • All drivers on the policy have a full UK or EEC licence

Can you cover an imported car?

We can cover you if your car is registered in the UK. If you are buying your car outside the UK and require cover to return home, insurance will need to be arranged in the country of purchase. This is an EU requirement. Please call us on 0333 220 2086 if you require further information.

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

Do you cover cars with modifications?

It depends on the type of modifications. Please call us on 0333 220 2086 for further details. It's important to note that a standard parts replacement clause applies to all modified cars.

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

What is an excess?

An excess is the first part of a claim you must pay, regardless of who is to blame. Exact details of any excesses that apply to you can be found on your Policy Schedule.

What type of licences do you accept?

There are four types of licences we accept:

  • UK full (including automatic licences)
  • UK provisional
  • EEC full
  • Non-EEC full for certain countries (please call 0333 220 2086 for details)

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

Your claim

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Do I need to contact the police after an incident involving my car?

You need to report the incident to the police in the following circumstances:

  • If the car is stolen
  • If the car has been broken into
  • If the car has been maliciously damaged
  • If someone has been injured as a result of the incident
  • If you feel an illegal act has taken place

What happens if my car is stolen?

The first thing you should do is report the theft to the nearest police station and obtain a crime reference number.

Then contact our personal claims advisors who will take the details from you. After this, a number of insurance industry database checks are carried out - these are designed to protect our customers from fraud. A Claims Assessor may also be appointed to discuss the claim with you.

When our enquiries are successfully completed an offer will be made to settle your claim.

Who repairs my car?

One of our Approved Repairers will repair your car. Our Approved Repairers are garages that have been appointed by Elephant to provide the highest customer service and quality of repairs for our customers.

The Approved Repairer will also provide you with a free courtesy car for the duration of repairs.

Each repair is carried out in accordance with recognised industry standards, it is guaranteed for 3 years and all replaced parts are manufacturer—approved.

What happens if I want to use my own repairer?

You can use a repairer of your own choice but doing so means that we can't guarantee the work and you will need to obtain an estimate for us to approve before work can commence. You will also lose your right to a courtesy car.

What is a total loss?

If the cost of repairs exceed the market value of your car then it is likely we will consider it to be beyond economic repair. This is often referred to as a total loss or write-off.

If my vehicle is a total loss (write-off) what will I receive in settlement?

An Elephant engineer (or one appointed by us) will inspect your car and place a value on it. We obtain our valuation by researching market trends and car value guides.

We take into account the condition of the car before the incident took place including the bodywork, mileage, interior and service history. Once the engineer has completed their report we will carry out a series of industry database checks designed to safeguard our policyholders against fraud.

Once these have been successfully completed, payment will be sent to you, subject to the deduction of any excess.

How long will it take to sort out my claim?

We are unable to give you an exact time scale, as every claim is different. All we can do is make sure the claims experience is as stress free and quick as possible. When you initially report the incident to us our claims staff will try to give you a better idea of the time scales involved.

What are the different levels of cover?

Comprehensive - this gives you both of the cover elements below and also covers accidental damage to your car.

Third Party Fire & Theft - covers you for claims made by other people for bodily injury or damage to their property following an accident, plus your car is covered if it is stolen or damaged by fire.

Third Party Only - covers you for claims made by other people for bodily injury or damage to their property following an accident.

What is a Policy Excess?

This is the part of the claim that you agree to pay - we cover you for the remaining amount. When you report the claim we will remind you of the amount of your excess. Details can also be found in your Policy Schedule.

What happens if the accident was not my fault?

Our first priority is to get your car repaired, or a settlement to you if it is a total loss (write-off).

After this, we will try to recover our outlay from the person responsible for the accident. If we are successful then making the claim will not affect your No Claims Bonus.

What happens if the accident was my fault?

If you have Comprehensive cover we will arrange the repairs to your vehicle (or an inspection if it is likely to be a total loss) and we will also handle the other driver's claim as quickly as possible.

If you receive any correspondence from the other driver, or their insurers, please forward it to us and we will respond on your behalf.

What if the other driver disputes the accident circumstances?

We will do our very best to persuade the other driver (or their insurer) that the accident was their fault by presenting them with all the evidence we have gathered and that you have provided us with.

We will always fight your corner, but on occasions if the evidence does not fully support either driver's version of the incident, everybody involved may have to take some responsibility. If this happens we will negotiate the best possible settlement with the other driver.

How does a claim affect my No Claims Bonus?

If the incident is not your fault and we make a full recovery from the responsible person, your no claims discount will be unaffected. However if an incident occurs which is not your fault, and we are unable to recover the cost, your no claims discount will be reduced at the renewal of your policy.

For each incident settled against you, you will lose 2 years No Claims Bonus. So if you started your policy with 5 years No Claims Bonus and had an accident that was your fault, you would still have 3 years No Claims Bonus at the start of the next policy term.

If the incident is your fault your no claims discount will be reduced. However, your no claims discount may be protected if you have paid extra.

In the event of a theft claim your no claims discount will be reduced, as it is unlikely we will locate the culprits and recover the costs.

What measures do Elephant take to prevent fraud?

Our main aim is to ensure that our customers are back on the road as soon as possible. However, we know that insurance fraud is a reality and that a very small number of people provide false details in order to make up (or inflate) car insurance claims. We believe that it is important that we identify these people and avoid paying such claims because they affect the cost of motor insurance for everybody.

There are a number of insurance industry databases through which we share information with other companies about claims and known fraudsters. We also share some information about car insurance fraud with other companies within the financial industry, the Police and other bodies where the law allows us to do so.

Your policy

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How do I change my email address?

Just call us on 0333 220 2006.

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

How do I make a windscreen claim?

Windscreen cover is included in Comprehensive policies as standard and is an additional option on other policies. You need to call our approved repairer on 0333 220 2027 to arrange an appointment. Please take your Certificate of Motor Insurance with you. If the glass is repaired you'll pay an excess of £25, if any glass is replaced, you'll have to pay an excess of £95. If you don't use our approved repairer the maximum we will pay out is £50.

Am I insured to travel abroad?

Your policy gives you the cover described in your current Certificate of Motor Insurance for events occurring in:

  • Great Britain, Northern Ireland, the Isle of Man and Channel islands
  • Any other country which is a member of the European Union
  • Norway, Switzerland, Iceland and Croatia, Andorra and Liechtenstein

The car is covered whilst it is being transported by air, sea or rail between those countries.

Using your car abroad

Your policy automatically includes an International Motor Insurance Certificate (on your current Certificate of Motor Insurance) for a maximum of 30 consecutive days in any one trip up to a maximum of 90 days in a year.

The International Motor Insurance Certificate is only valid for the above named countries and there is no need to call us if you are taking your car to any of these countries. However, should you wish to travel to any country not included in the above list please call us on 0333 220 2006 (calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines) and we may, in some instances, be able to issue a Green Card for you.

Am I insured to drive someone else's car?

In some cases you may be covered under your policy to drive someone else's car. The cover is Third Party Only and doesn't apply to any cars you own or lease yourself. To see if you have this cover, please check Section 5 of your Certificate of Motor Insurance.

Is my car covered for someone else to drive?

Only if they are named on your Certificate of Motor Insurance. You can easily add another driver to your policy permanently or temporarily using our online customer services facility or by calling us on 0333 220 2006.

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

How do I make changes to my policy?

You can call us on 0333 220 2006.

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

What if my circumstances change during the year?

Please tell us straight away of any changes such as your address or job title by calling us on 0333 220 2006.

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

Will you cover a car I'm using temporarily?

We may be able to insure a car for you temporarily. Just complete this email form or call us on 0333 220 2006 (calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines) to find out. If you want us to cover a courtesy car from a garage, we will only be able to do this if the garage won't provide you with cover.

Please note, there will be a charge for putting a temporary car on your policy.

What do I need to tax my car?

To tax your car, you need:

  • A valid, current insurance certificate or cover note
  • The appropriate fee
  • A valid, current MOT certificate (if your car is over three years old)

You can get your road tax from your Post Office, as long as the DVLA has sent you a reminder form or if you have the V5 registration document, or the green part of it marked V5/2.

These days the easiest way to tax your car is online at the DVLA's website. If your car is insured and has a current MOT certificate (if it needs one), the DVLA will already have these details - so you just need to complete a few boxes and pay using your debit or credit card. You'll then get your tax disc in the post.

How do I get a replacement certificate?

If you lose your Certificate of Motor Insurance, we'll replace it for a small charge. Just request one by completing this email form or give us a call on 0333 220 2006 (calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines) and we'll sort one out for you.

What does policy validation mean?

Whenever you buy an insurance policy, we take steps to ensure we know the cover we are providing is right for you so we can support you when you need us, for example, if you have to make a claim and to combat any fraudulent activity. To do this, we may contact you to validate some of your details at any time after you have bought your insurance, and we hope that you'll be able to help us resolve any enquiries quickly.

Please remember it is your responsibility to check you have answered every question we ask honestly and accurately before buying your policy.

Why do we validate our Insurance policies?

By validating insurance policies, we know we are providing you the fairest price for your insurance, and that information we hold is correct. This also helps us in our continued effort to combat fraud and ensure that your policy is unaffected.

We recognize that mistakes happen, so by validating policies we ensure a genuine oversight doesn't become a problem if you need to make a claim.

How we will validate your policy details?

As an insurer we may check your details against databases available to the insurance industry, online quotations and any past or present policies within the Admiral group. We may also ask you to provide documentation to validate the information we hold.

What action will we take?

Our validations teams are here to help and make sure your policy is correct. In cases where we have to make a correction to your policy as a result of the validation process there may be an additional premium to pay as well as our administration fee. In certain cases we may be unable to continue the policy or had we known the correct information, would not have accepted the policy. In these cases the policy may be cancelled or in more serious cases declared void and of no effect since its inception.

Are there any costs involved?

If your policy is voided or cancelled please be aware charges may apply, If a change is made following a validation because of different information, we will charge an administration fee and any additional premium that may be applicable. You can find these charges on our website under existing customers, Legal information, and your agreement with EUI limited.

Why do you need my driving license details?

Why are we requesting this information?

Since 8 June 2015, the paper counterpart to the photocard driving licence isn't valid and is no longer issued by DVLA. In order to replace the paper counterpart the DVLA has created My Licence and Share my Licence, where you can view and share your driving information. We require this information in order to validate the information we hold for you.

What do we need to see?

My Licence and Share my Licence - https://www.gov.uk/view-driving-licence

If we have requested this information from you please make sure you have included the following pages: Your details, Vehicles you can drive and Penalties and disqualifications.

Alternatively, you can click the Share your licence information tab and select Create a code. This code is valid for 21 days.

Will I be able to drive all cars on the policy?

You must be named as a driver under section 5 of the car's Certificate of Motor insurance, to be able to drive it.

If you are an online customer you can view this document by signing in or registering to your account

Sign in to view your documents Register to view your documents

If you receive your documents in the post then this document would have been sent when taking out, changing or renewing your policy.

Your renewal

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How do I pay for my policy at renewal?

You can pay for your renewal by debit/credit card or direct debit. If you'd like to change the way you pay for your policy, or change the card you would like to pay with, please call us on 0333 222 6719.

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

If you paid for your last year's policy using your own debit/credit card, we will automatically renew your policy and debit the premium from your card on your renewal date, unless you tell us otherwise.

If you paid for your policy using someone else's card, please ensure the cardholder is happy for us to debit your renewal from their card again this year. Alternatively, if you would like to update your payment details, please call us on 0333 222 6719. Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

If you pay by direct debit, we will automatically renew your policy unless you tell us otherwise.

Will my premium change at renewal?

We'll do our best to keep your renewal premium as low as possible. If you have four years or less No Claims Bonus and have not made a claim during your time with us, you'll get a further year's No Claims Bonus. This will reduce your premium, but rate increases during the year may mean your premium is still higher than last year.

I've had a claim. How will it affect my renewal premium?

If we already know about the claim before we post your renewal pack, your No Claims Bonus entitlement will have already been amended and your renewal premium revised to take the claim into account.

If you make a claim and we've already posted your renewal pack, we will have to amend your No Claims Bonus entitlement and revise your premium. We will let you know what your new premium is as soon as you notify us about the claim.

Will my No Claims Bonus be affected if I've made a claim this year?

We will reduce your No Claims Bonus for every claim you make where we don't recover all of our costs.

Your No Claims Bonus will be reduced by two years (or whatever you have if less than that) for every fault claim you make. Also, you won't get an extra year's No Claims Bonus when your policy is due for renewal.

What if my No Claims Bonus is protected or guaranteed?

You can make up to two fault claims in three years before we will remove the protection.

If you make three fault claims in three years, we will remove the protection and reduce your No Claims Bonus by two years.

Can I protect my No Claims Bonus at renewal?

You will be able to protect your No Claims Bonus so long as:

  • You have four or more years No Claims Bonus
  • All drivers on the policy have a full UK or EEC licence

How do I make a change to my policy from renewal?

Just call us on 0333 222 6719.

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

What should I do if I've had a motoring conviction during the past year?

If you have had any of the following:

  • A motoring conviction
  • Penalty points
  • A disqualification
  • A ban
  • A driver awareness course

Please call us on 0333 222 6719.

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

What should I do if I've modified my car?

Please call us on 0333 222 6719 if you have modified your car, as we don't cover all modifications. It's important to note that a standard parts replacement clause applies to all modified cars.

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

What should I do if I don't want to renew my policy?

We hope that won't be the case, but if you don't want to renew your policy, please give us a call on 0333 222 6719.

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

When will I get my No Claims Bonus proof?

Your No Claims Bonus proof can be found in your renewal pack, you'll find it on the page titled 'Motor Renewal Confirmation (Proof of No Claims Bonus)'.

 
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