Elephant Car Insurance provides three different types of affordable policies for drivers. The cheapest third party car insurance plans protect you financially against claims made by other people for bodily injury or damaged properties and vehicles due to an accident caused by your driving.

If you live or work in a high crime rate zone, you may want to have additional protection against theft or damages from fire incidents due to vandalism or from nearby fires. If you like to have complete protection such as windscreen cover, you can also choose the fully comprehensive elephant car insurance plans - this gives you both of the cover elements below and also covers accidental damage to your car.

To keep your monthly car insurance rates low, Elephant car insurance incorporates a policy excess scheme, also known as deductibles or co-payments. This is the amount you agree to pay in the event of any claimable benefits. The remaining sum is covered by Elephant car insurance instead. If it was found out that an accident is caused by another party and you are innocent, the policy excess you have paid will be refunded in full.

If the other drivers dispute the true cause of the accident, the legal protection cover on elephant.co.uk car insurance policies will pay for the legal fees to negotiate and collect evidence to represent your case. In the event of insufficient or concrete evidence, usually a compromise settlement can still be reached. In the event that accidents are caused by you, you will still be able to claim for damages and repairs if you are covered by the fully comprehensive Elephant car insurance plans. The insurer will also handle claims and repairs for the other parties involved in the accident on your behalf.

When you have consecutive years of being insured with Elephant Car Insurance without making a policy claim, you are entitled to a No Claims Bonus which reduces your monthly car insurance payments. If you are involved in an incident which is not caused by you, the company will try to recover in full the damages from the party that is found to be responsible. However, if the recovery is not successful, your no claims bonus will be affected and the discounts given on the next policy renewal will be reduced. This means that for claims against car theft where recovery is often next to impossible, your no claims bonus is definitely going to be affected.

Similarly, if you are going to or have modified your car, it is best that you call up and check on the coverage available because not all car modifications will be insured, because of the scarcity on certain replacement parts needed by the modifications on stock cars. In fact, all modifications must be declared and printed on your policy document in order to be covered. Note that the compensation on modified parts is only up to 10% of the vehicle market value, less the policy excess you need to pay on your part. Usually you are only allowed to make one modified car insurance claim per policy year.

Your Elephant car insurance cover already includes free 90 days cover to European countries such as Hungary, Slovenia, Cyprus, Norway, Switzerland etc. There is also no need to inform the company whenever you drive over to these countries. However, do remember to bring along your insurance certificate for easier processing in the event of accidents. For driving to Andorra or Romania, you need to apply for a Green Card first, so take note. You are automatically covered for third party insurance when you are driving other people's cars. On the other hand, you can also add named drivers to your current insurance plan for a small cost.

Be aware that there are uninsured losses under your Elephant car insurance plans. These are costs that the car owner is responsible for, namely the policy excess/deductible, and medical expenses incurred on your part. For pursuing legal claims against the party who is responsible for an accident that causes you bodily hurt, their legal department will pay for any reasonable legal proceedings necessary.

When you suffer a total loss on your car, which is when the cost of restoration your car exceeds its market value, a monetary settlement will be paid out to you instead since your car is already beyond economic repairs. An appointed elephant.co.uk engineer will examine and valuate your car based on current car market pricing trends, condition, mileage and service history of the car prior to accident.

When your car requires repairs due to breakdown or road accidents, it is better for you to bring your car down to an approved repairer endorsed by Elephant Car Insurance. It is difficult to say that these garages will be the ones providing the best quality repairs and customer services but if you do not want any problems with claims and warranty, you better comply with this restriction. For example, you can be assured that any parts replacements and repairs will be manufacturer-approved and are guaranteed against any problems for 3 years by Elephant Car Insurance. You can also get a free replacement car for the duration of your car repairs from these approved repairers.

If you insist on your own trusted car repair garage for such works, you need to submit a list of expected repairs and the quoted fees to your agent before sending over your car. Otherwise, you may not be able to claim any money for the repairs. You will also lose out on the above mentioned benefits from Elephant Car Insurance company's approved repairers.