If your vehicle is damaged beyond repair, our Claims team will contact you to discuss the next steps of your claim. We'll instruct a salvage agent to collect your car and take it to a salvage yard. Please make sure all your personal belongings are removed.
Your policy will be cancelled including the Driving Other Cars extension (if applicable). If you have a MultiCar policy, we'll simply remove the vehicle in question. The claims team will advise you in more detail.
We then make payment for the market value of the vehicle, which is not necessarily the price paid. The amount spent on restoring or improving a vehicle may not necessarily increase its value, particularly where the work carried out is general maintenance. The market value is the price you could reasonably expect to pay on the open market, on the date of the incident to replace the car with one of a similar make, model, mileage and condition, using industry-recognised guides. Excess will be deducted from the payment where applicable.
If your vehicle is a total loss, you will not be provided with a courtesy vehicle. This is because the courtesy vehicle is provided by the garage, not Elephant.
If you have Hire Vehicle Cover, you may be entitled to a hire vehicle. The claims team will be in touch if this applies.