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Guide to the Elephant Home Insurance

Elephant Home Insurance is dedicated to safeguarding homes and providing peace of mind to its customers. With a robust presence and commitment to service, Elephant Home Insurance stands out as a reliable choice for homeowners seeking comprehensive coverage.

Elephant like many of its competitors now offer home insurance from Admiral. The competition in the home insurance sector is stiff with high street names that including Post office home insurance, ASDA, Policy Expert, Swinton, Bell Direct and Just Landlords competing for your business. As such, it makes sense to use comparison sites to compare the available deals and whittle them down to the ones that best suit your requirements and within your budget.

Elephant Home Insurance distinguishes itself through its commitment to quality and innovation. Their home insurance products, including silver and gold coverage options from Admiral, boast a five-star rating that highlights their excellence and comprehensive range of benefits. Their portfolio extends to pay-monthly car insurance, no deposit van insurance and Landlord Insurance. All these insurance products are provided by Admiral.

What Home insurance polices are available with the Elephant Home?

Like other providers of home cover, Elephant Home offers three main categories of cover:

Home structure Insurance
Personal property Insurance
Combined Insurance (Structure and Personal property)

Policy Type	Home structure maximum coverage	Personal property maximum coverage	Additional coverage options
Standard Homeowners	Replacement cost is up to 100% of the home’s coverage limit	Cover for personal belongings like furniture and electronics, etc.	Identity theft protection, personal injury protection
HO-3 Policy	Replacement cost is up to 100% of the home’s coverage limit	Standard coverage included	Upgraded accident forgiveness, diminishing deductible

What types of insurance cover does the Elephant Home offer?

Policies provided by the Post Office include two major cover levels and an optional enhanced cover, namely:

1. Homeowners

This typically includes coverage for the physical structure of your home, personal property within the home, and liability protection.

2. Renters

This insurance aims to protect personal belongings against covered losses like fire or theft.

3. Apartment/Flat/Condo

This offer covers condo living, safeguarding personal property and any parts of the condo not covered by the condo association's policy.

What is included in a Elephant Home Insurance Policy?

You can access comprehensive information about each policy, including details on making claims and adjusting your coverage, in the Policy booklet. It's essential to review the terms and conditions outlined in the accompanying PDF document before selecting any coverage.

Did you know? Standard home insurance may not provide cover if a property left empty for 30 consecutive days!

Check with your policy provider! If you will be leaving any property empty for a prolonged period, you will need empty house insurance if your property will be left empty for a prolonged period of time.

Who underwrites Elephant Home insurance?

Elephant Home Cover is underwritten by a network of trusted third-party providers. Here's how it works:

Ageas Insurance Limited, Premium Credit Ltd (PCL), and DAS Legal Expenses Insurance Company Limited are third-party providers affiliated with Post Office Insurance.

Ageas Insurance Limited is the underwriter for the core home insurance product, ensuring comprehensive coverage and managing claims.
Premium Credit Ltd (PCL) facilitates credit options for insured customers who prefer to pay their premiums monthly via direct debit.
DAS Legal Expenses Insurance Company Limited provides and underwrites enhanced coverage options such as Home Emergency (HE) Insurance and Family Legal Protection (FLP).

How Home insurance is calculated and how to save money on the cost of cover

Several factors influence the cost, some of which are beyond your control. Here's a breakdown of these factors:

Location or Postcode: Choose a home in an area with lower crime rates to avoid higher premiums.
Home Security Measures: Installing smoke alarms, deadlocks on windows and doors, and other safety measures can lower the likelihood of damage, thereby reducing insurance costs.
Claims Frequency: Minimize small claims to avoid potential premium hikes or loss of no-claims discounts.
Payment Frequency: Opting to pay your premium annually instead of monthly can save you money and cancel out additional fees for processing monthly payments.
Skip Small Claims: Paying for minor damages out of pocket can prevent premium increases and preserve your no-claims discount.
Increase Voluntary Excess: Agreeing to a higher voluntary excess can lower your premium, as you'll bear more of the cost in the event of a claim.

Compare Landlord Insurance and Home Cover providers

Looking for the best coverage for your home or rental property? Start your search by comparing insurance providers such as Total Landlord Insurance, Aro, Simply Business, Endsleigh, and CIA Insurance Services to find the most suitable deal for your needs.

How do I get in touch with the Elephant Home Insurance Services?

Elephant Home Insurance Contact Details

https://www.elephant.co.uk/home-insurance/

Email : customer.service@elephant.co.uk

Phone : 0333 220 2006 - Available Monday to Friday from 8 am to 8 pm, Saturday from 9 am to 5 pm, and Sunday from 10 am to 4 pm.

Help and Support URL : https://www.elephant.co.uk/help-support/

*51% of consumers could save £201.06 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next
fourteen cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2024. The savings you could achieve are dependent on your individual circumstances.

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