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Elephant Motorcycle Insurance: Comprehensive Coverage Options Compared

Motorcycle enthusiasts who own motorcycles are often passionate about their bikes and the experiences they offer on the road. Maintaining these vehicles requires protection in the form of insurance policies.

Elephant motorcycle insurance is one such option for consumers to consider. While it may be a popular choice, is it the best option when compared to other motorcycle insurance providers?

In this article, well provide you with an overview of Elephant motorcycle insurance and a comparison with other providers to help you make an informed decision when purchasing insurance for your motorcycle. What is Elephant Motorcycle Insurance?

Elephant motorcycle insurance is a coverage option for riders who need protection while on the road. The company was founded in 2000 and is currently headquartered in the United Kingdom, but it has also expanded its services to various other countries globally.

One of the reasons that Elephant has grown in popularity is due to its emphasis on affordable, yet comprehensive coverage. Elephants motorcycle insurance policies include standard protection like collision and comprehensive coverage that pays for damage or theft of the motorcycle.

They also offer more specialized options like income protection and cover for riding gear, helmets and other accessories.

Comparing Elephant Motorcycle Insurance with Other Providers

Elephant offers a variety of insurance policies for riders who want to choose a plan that meets their individual requirements. However, before making a final decision, its essential to evaluate Elephants offerings against other industry leaders.

Below, we will discuss how Elephant fares when compared to other prominent motorcycle insurance providers. 1.

State Farm

State Farm, like Elephant, is a provider of comprehensive motorcycle insurance options. They provide coverage options for standard collisions and a range of coverage options for injuries.

State Farms coverage includes customized policies, so you only pay for the cover that fits your needs. One advantage that State Farm has over Elephant is its lower deductible payments.

In the event of an accident, State Farm policyholders face less out-of-pocket expenses than they would with an Elephant policy. However, State Farms policies are generally more expensive than Elephants, making it less attractive to budget-conscious riders.


GEICO is a leading insurance provider and offers motorcyclists a range of coverage options.

Among them are collision insurance, comprehensive insurance, and liability coverage. GEICO also covers wrecks caused by an uninsured or underinsured rider.

When comparing Elephant and GEICO, the advantage lies with GEICO. GEICO motorcycle insurance policies offer excellent coverage at a lower rate are attractive to riders who want affordability and quality in their coverage options.

GEICO also offers up to 40% discounts for riders who have taken safety courses or have a clean driving record. Elephant, on the other hand, does not offer discounts for driving courses.

3. Progressive

Progressive offers motorcycle insurance options that cover a broad range of coverage options, from accidents, theft and fire damage to personal injury and liability.

Progressive policies offer riders exceptional discounts relative to other insurance providers, making them an excellent option for riders who want good coverage and cost savings. Comparatively speaking, Elephant motorcycle insurance policies are less attractive than Progressive policies for riders who want comprehensive coverage options.

Progressive offers options that are more beneficial to riders, such as the ability to postpone their renewal date. On the flip side, Elephants policies offer better discounts for customers who bundle their policies.


Choosing the right motorcycle insurance policy depends on your individual needs and budget. Elephant motorcycle insurance is a popular option for budget-conscious riders who want affordable coverage options.

However, when compared to other popular insurance providers like State Farm, GEICO, and Progressive, Elephant policies may not offer the best value for their coverage. It is essential to consider various policy offerings, coverage options, pricing, and discounts before choosing a motorcycle insurance provider.

Ultimately, choosing the right provider is an investment to keep your motorcycle protected so that you can continue enjoying the road.When it comes to motorcycle insurance, it can be challenging to find the right coverage to meet your needs. Elephant motorcycle insurance is one option that provides comprehensive coverage options at an affordable rate.

In this article, we will discuss the various coverage options and benefits offered by Elephant motorcycle insurance and how to claim the coverage.

Elephant Motorcycle Insurance Coverage Options

1. Standard Collision Coverage

Elephant motorcycle insurance provides protection for physical damage sustained in a collision with another vehicle or object.

It also covers damages like vandalism and theft. If your motorcycle is damaged in a collision, Elephant will cover the cost of repairs up to the policy limits.

2. Comprehensive Coverage

Comprehensive coverage is an add-on to a collision policy.

It provides coverage for damages to your motorcycle for events that are not covered under standard collision coverage. This could include damage caused by severe weather events, animal collisions, and other accidents or incidents not covered by collision coverage.

3. Medical Payments Coverage

Medical payments coverage provides payment for medical expenses and other costs associated with an accident.

Medical payments coverage compensates for emergency hospital visits, surgery, medication, and other expenses related to the accident depending on the policy limits. 4.

Uninsured and Underinsured Motorist Coverage

Underinsured and uninsured motorist coverage are coverage types that pay out in the event of an accident, where the other party involved is in no position to cover the costs or has insufficient coverage to cover the damages sustained. This coverage provides riders with an added level of protection in the events of an accident.

5. Roadside Assistance

Elephant motorcycle insurance offers roadside assistance coverage that can assist you in case of an emergency, such as flat tires, engine failure, or a dead battery.

This coverage guarantees you will not be left stranded if your motorcycle breaks down several miles from home.

Benefits of Elephant Motorcycle Insurance

1. Customizable Policy Coverage

Every rider’s needs for insurance is different, and Elephant motorcycle insurance allows riders to customize their policies according to their needs.

Customers can choose the levels of coverage, deductibles and limits they prefer, and Elephant helps them find the most affordable pricing. 2.

Customer Service

Elephant motorcycle insurance provides excellent customer service that riders can rely on. Their team of customer service representatives is available 24 hours a day, seven days a week, and they are always ready to help customers with any questions or concerns they may have.

3. Competitive Pricing

Elephant motorcycle insurance offers competitive prices with its emphasis on overall affordable coverage.

Compared to other insurance providers, Elephant offers the best value for riders looking for lower rates.

How to Claim Elephant Motorcycle Insurance

If you want to file a claim with Elephant motorcycle insurance, follow the steps below:

1. Gather All Relevant Documentation

After a motorcycle accident or incident, it’s crucial to gather all related documentation including photos of the damage, a copy of the police report, and medical records as applicable.

2. Contact Your Insurance Company Immediately

Contact Elephant motorcycle insurance claim line as soon as possible to report the incident.

Their claims team will guide you through the process of filing a claim and assist you in handling the complex filing process. 3.

Submit the Claim Documentation

Once you have contacted your insurance company, you can submit your documents to them by email, mail, or by fax. Be sure to include an incident report explaining what happened and attach all relevant documentation.

4. Wait for Claim Approval

Once submitted, Elephant insurance will begin processing the claim and investigate the incident.

The claims team will notify you of the claim’s status via email or phone and guide you through the remaining steps of the process.


Elephant motorcycle insurance offers comprehensive coverage options that provide riders with much-needed protection. Riders should carefully evaluate their coverage and compare prices and coverage options with other leading insurance providers before making a final decision.

With a reliable claims process, excellent customer service, and coverage options designed to meet your needs, Elephant motorcycle insurance is a prominent option for all riders.When purchasing motorcycle insurance, riders must consider several factors, including cost, coverage, customer service, and company ratings. Elephant motorcycle insurance is a popular option for many riders due to its comprehensive coverage options and affordability.

In this article, we will discuss Elephant motorcycle insurance’s cost and discounts, customer reviews and ratings, helping riders make an informed decision.

Elephant Motorcycle Insurance Cost and Discounts

When considering the cost of Elephant motorcycle insurance, there is no one-size-fits-all answer, as riders’ insurance needs are unique. Typically, riders pay between $350 to $450 each year for comprehensive coverage depending on the coverage limits, driving history, location of residence, and other factors.

Elephant motorcycle insurance offers a range of discounts that riders can take advantage of, including:

1. Multi-Policy Discount

Elephant motorcycle insurance offers a multi-policy discount.

When policyholders bundle their motorcycle insurance policy with home or car insurance, they can save up to 25% on their insurance premiums. 2.

Safe Driver and Rider Discount

Elephant motorcycle insurance offers discounts to riders who have a safe driving record. Riders who have completed a motorcycle safety course and received a safety certification can take advantage of the discount.

3. Anti-Theft and Other Safety Features Discount

If your motorcycle has anti-theft features or other safety equipment installed, you may qualify for a discount on your Elephant insurance premiums.

Elephant Motorcycle Insurance Reviews and Ratings

Elephant motorcycle insurance is backed by some of the industrys highest ratings. The company uses various independent rating organizations to evaluate their services and compare them to industry standards.

According to JD Power, Elephant motorcycle insurance scores well above industry standards and provides exceptional customer service. While there are numerous ratings and surveys available online, some riders may prefer to read reviews from other policyholders.

Reviews provide a good way for riders to learn more about Elephant motorcycle insurance from a first-hand account. Overall, Elephant motorcycle insurance reviews are overwhelmingly positive.

Customers appreciate the affordability of the company’s policies, along with the customization options available. Additionally, reviewers highlighted the company’s excellent customer service, which allows riders to get quick and responsive service when they most need it.

Some of the most common compliments from policyholders are:

1. Customized Coverage – This is one of the most significant advantages that Elephant offers.

Riders appreciate the ability to customize their coverage plans to ensure they are only paying for the protection they need. 2.

Competitive Costs – The cost of Elephant motorcycle insurance is often cited in reviews, with riders stating that the company offers affordable rates while maintaining high levels of coverage. 3.

Excellent Customer Service – Riders frequently praise the company’s fast and efficient claims processing, with numerous Harley riders stating they would not consider using any other provider.


Elephant motorcycle insurance is a popular and high-quality provider with competitive rates and discounts for the modern rider. While every individual’s needs and preferences are different, most policyholders value the flexibility and customization that Elephant offers at an affordable price.

With exceptional customer service, tailored coverage policies, and a range of discounts designed for the rider, Elephant motorcycle insurance is a great option for those looking for reliable and affordable coverage that meets their unique needs.Choosing the right motorcycle insurance provider involves considering factors such as coverage options, cost, customer reviews, and the claims process. Elephant motorcycle insurance is a well-regarded provider that offers comprehensive coverage and excellent customer service.

In this article, we will delve into the claims and settlement process of Elephant motorcycle insurance, as well as discuss their roadside assistance services.

Elephant Motorcycle Insurance Claims and Settlement Process

The claims and settlement process is a crucial aspect of any insurance policy. Elephant motorcycle insurance ensures a smooth claims process for its policyholders.

Here’s a step-by-step breakdown of the Elephant motorcycle insurance claims process:

1. Report the Accident or Incident:

As soon as an accident or incident occurs, policyholders need to report the incident to Elephant motorcycle insurance.

This can be done by calling the claim line or by submitting an online claim form through the company’s website. During this initial contact, policyholders should provide essential details, such as the date, time, and location of the incident, as well as any relevant information about other parties involved, witnesses, and law enforcement officials.

2. Document the Incident:

It is crucial to gather and document as much information as possible related to the incident.

This may include taking photographs of the scene, capturing images of any damage sustained, or collecting witness statements. These documents will provide solid evidence during the claims process.

3. File the Claim:

Once the incident has been reported, policyholders should file the claim by submitting all relevant documentation to Elephant motorcycle insurance.

This documentation includes photographs, the police report (if applicable), medical records (if there are any injuries), and any other supporting evidence. 4.

Claims Investigation:

Elephant motorcycle insurance will assign an adjuster to investigate the claim. The adjuster will review all the submitted documentation, conduct any necessary interviews, and assess the situation to determine the coverage policy’s applicability to the claim.

5. Claims Settlement:

After thoroughly investigating the claim, Elephant motorcycle insurance will offer a settlement amount based on the coverage policy’s terms and conditions.

If the policyholder agrees to the settlement, the insurance company will issue the payment promptly. It is important to note that the length of the claims process may vary depending on the complexity of the case and the availability of necessary documentation.

However, Elephant motorcycle insurance aims to resolve claims efficiently and fairly, providing policyholders with the financial support they need during difficult times.

Elephant Motorcycle Insurance Roadside Assistance

Elephant motorcycle insurance offers roadside assistance coverage, which is beneficial for riders who may experience unexpected breakdowns or other emergencies while on the road. Elephant’s roadside assistance provides riders with peace of mind, knowing they can count on support when they need it most.

Here are some key features of Elephant’s roadside assistance:

1. Towing Service:

If your motorcycle breaks down and cannot be repaired on the spot, Elephant’s roadside assistance will arrange for the towing of your motorcycle to the nearest authorized repair facility.

2. Fuel Delivery:

Running out of fuel can be a frustrating experience.

Elephant’s roadside assistance provides emergency fuel delivery if you find yourself stranded without enough fuel to reach the next gas station. 3.

Battery Jump-Start:

In case your motorcycle’s battery dies and you need a jump-start, Elephant’s roadside assistance will dispatch a service professional to provide the necessary assistance. 4.

Flat Tire Assistance:

If you experience a flat tire while on the road, Elephant’s roadside assistance will send help to change your tire or provide other necessary assistance. 5.

Locksmith Services:

If you accidentally lock your keys inside your motorcycle or lose them, Elephant’s roadside assistance will arrange for a locksmith to assist you in gaining access to your motorcycle or provide replacement keys. It is important to note that roadside assistance coverage may have certain limitations and restrictions, so policyholders should carefully review their specific policy to understand the extent of the coverage provided.


Elephant motorcycle insurance aims to provide policyholders with a seamless claims and settlement process, ensuring a prompt resolution to any incidents or accidents. In addition, their roadside assistance services offer peace of mind to riders, knowing that support is just a phone call away in case of emergencies.

By offering these comprehensive services, Elephant motorcycle insurance continues to be a trusted and reliable choice for motorcycle insurance coverage.When considering motorcycle insurance, it is crucial to understand the additional coverage options, policy limits, and exclusions. Elephant motorcycle insurance offers various add-ons and extras to enhance a policyholder’s coverage, as well as specific limits and exclusions that riders should be aware of.

In this article, we will explore the add-ons and extras provided by Elephant motorcycle insurance, as well as discuss the policy limits and exclusions to help riders make informed decisions about their coverage.

Elephant Motorcycle Insurance Add-Ons and Extras

1. Income Protection

Elephant motorcycle insurance offers income protection coverage as an add-on option.

This coverage provides policyholders with financial support in case they are unable to work due to an accident or injury sustained while riding their motorcycle. It typically pays a percentage of the policyholder’s income during the recovery period, helping to cover expenses and maintain financial stability.

2. Riding Gear Coverage

Riding gear, including helmets, jackets, boots, and gloves, is essential for motorcycle riders’ safety.

Elephant motorcycle insurance offers an add-on option for coverage specifically tailored to riding gear. This coverage helps to replace or repair riding gear that is damaged or stolen.

3. Accessories Coverage

Customizing a motorcycle with accessories is a common practice among riders.

Elephant motorcycle insurance recognizes this and offers coverage for accessories as an extra add-on. This coverage protects accessories such as saddlebags, windshields, custom seats, and other add-ons that enhance the bike’s aesthetics and functionality.

4. Rental Vehicle Coverage

In the event of an accident or damage to a policyholder’s motorcycle, Elephant motorcycle insurance provides an optional add-on for rental vehicle coverage.

This coverage helps to cover the cost of renting a replacement vehicle while the policyholder’s motorcycle is being repaired or replaced.

Elephant Motorcycle Insurance Policy Limits and Exclusions

1. Liability Coverage Limits

Elephant motorcycle insurance, like any insurance provider, sets coverage limits for liability claims.

These limits represent the maximum amount the insurance company will pay out in the event of a covered liability claim. It is important for riders to carefully consider these limits when choosing their coverage to ensure they have adequate protection.

2. Exclusions and Limitations

While Elephant motorcycle insurance provides comprehensive coverage, there are certain exclusions and limitations that riders should be aware of.

These exclusions can vary depending on the specific policy and insurance laws in different jurisdictions. Some common exclusions include:

– Racing and competition events: Most insurance policies exclude coverage for accidents or damage that occurs while participating in organized racing or competition events.

– Intoxicated driving: Accidents caused when the rider is under the influence of alcohol or drugs are likely to be excluded from coverage. – Regular wear and tear: Insurance policies typically do not cover regular wear and tear or mechanical breakdowns.

– Unauthorized riders: If an accident occurs when someone who is not listed as an authorized rider is operating the motorcycle, coverage may be excluded. – Off-road use: Insurance coverage may not apply to accidents or damage that occurs while the motorcycle is being used off-road.

It is essential for riders to carefully read and understand the policy documentation to be aware of any specific exclusions or limitations that may apply.


Elephant motorcycle insurance offers additional coverage options, such as income protection, riding gear coverage, accessories coverage, and rental vehicle coverage, which riders can add to their policies. These add-ons provide enhanced protection and peace of mind.

When considering Elephant motorcycle insurance, it is also important to understand the policy limits and exclusions. Riders should be aware of liability coverage limits and any specific exclusions that may apply to their policy.

By understanding these aspects, riders can make informed decisions about their coverage and ensure they have adequate protection on the road.When it comes to motorcycle insurance, different types of bikes and riding levels require specific coverage options to ensure full protection. Elephant motorcycle insurance understands the diverse needs of riders and offers tailored coverage for various bike types and riding levels.

In this article, we will explore Elephant motorcycle insurance options for different bike types and riding levels, helping riders make informed decisions about their coverage.

Elephant Motorcycle Insurance for Different Bike Types

1. Sport Bikes

Sport bikes, known for their high performance and speed, require specific insurance coverage to address their unique risks.

Elephant motorcycle insurance offers coverage options for sport bikes that take into account factors such as higher theft rates and potential for higher medical expenses due to the increased risk of accidents. It is important for sport bike riders to ensure they have sufficient coverage to protect their investment and address the specific risks associated with these types of motorcycles.

2. Cruisers

Cruiser motorcycles, with their classic and laid-back style, require coverage options that address their specific needs.

Elephant motorcycle insurance provides policy options for cruiser bikes that may take into account factors such as customization and accessories. It is crucial for riders to accurately identify the value of their cruiser bike and ensure it is adequately covered to address any potential losses or damages.

3. Touring Bikes

Touring bikes, designed for long distances and comfort, often come with additional features such as luggage compartments and windshields.

Elephant motorcycle insurance offers coverage for touring bikes that considers these additional features and the specific needs of riders who enjoy long-distance riding. This coverage may also include protection for riding gear and accessories.

Elephant Motorcycle Insurance for Different Riding Levels

1. Beginner Riders

Beginner riders often require different coverage options than experienced riders.

Elephant motorcycle insurance offers coverage options specifically designed for beginners, taking into consideration their limited experience and potential for accidents. These policies may provide additional protection and support to ensure beginners feel secure on the road.

2. Experienced Riders

Experienced riders typically have a longer history of safe riding and may qualify for certain discounts and benefits.

Elephant motorcycle insurance offers coverage options that reward experienced riders for their safe riding habits. These policies may offer lower rates and additional benefits, such as accident forgiveness, for riders with a clean riding record.

3. Commuter Riders

Commuter riders often have unique coverage needs, as they frequently ride in urban areas with higher traffic volumes.

Elephant motorcycle insurance provides coverage options that address the risks associated with commuting, such as accidents and theft in densely populated areas. These policies may also offer additional benefits, such as roadside assistance, to help commuter riders navigate any unexpected situations on their daily journeys.


Elephant motorcycle insurance recognizes the diverse needs of riders and offers coverage options for different bike types and riding levels. Whether you ride a sport bike, cruiser, or touring bike, Elephant provides policies that can be tailored to suit your needs.

Similarly, whether you are a beginner, experienced rider, or commuter, Elephant offers coverage options designed to address your specific risks and provide peace of mind on the road. When selecting your motorcycle insurance, it is essential to consider your bike type and riding level to ensure you have adequate coverage that meets your unique requirements.Motorcycle insurance requirements can vary depending on age groups and the type of vehicle being insured.

Elephant motorcycle insurance understands these differences and offers coverage tailored for various age groups and recreational vehicles. In this article, we will explore Elephant motorcycle insurance options for different age groups and recreational vehicles, enabling riders to make informed decisions about their coverage.

Elephant Motorcycle Insurance for Different Age Groups

1. Young Riders (18-25 years old)

Young riders often face higher insurance premiums due to their limited riding experience and statistically higher accident rates.

However, Elephant motorcycle insurance provides coverage options specifically designed for younger riders. These policies may offer discounts for completing approved motorcycle safety courses, thereby encouraging and rewarding safe riding practices.

Elephant understands the importance of affordable coverage for young riders and aims to strike a balance between competitive pricing and sufficient protection. 2.

Middle-Aged Riders (26-50 years old)

Middle-aged riders generally have more experience and a longer riding history, which may lead to lower insurance rates compared to younger riders. Elephant motorcycle insurance offers coverage options suitable for this age group, taking into consideration their riding experience, lower accident rates, and potentially reduced premiums.

Riders in this age group can benefit from the comprehensive coverage options and affordable rates that Elephant provides. 3.

Senior Riders (50+ years old)

Senior riders often have extensive riding experience and safe driving records. Elephant motorcycle insurance recognizes this and offers coverage options suitable for senior riders.

These policies may come with additional benefits tailored to the needs of senior riders, such as specialized coverage for medical expenses or modified motorcycles. Elephant ensures that senior riders can enjoy their passion for riding with the peace of mind that comes from being adequately protected on the road.

Elephant Motorcycle Insurance for Recreational Vehicles

1. ATVs (All-Terrain Vehicles)

Elephant motorcycle insurance understands that ATVs come with unique risks and coverage needs.

ATV insurance is essential to protect riders against potential accidents, damage, or theft. Elephant provides coverage options specifically designed for ATVs, ensuring riders have the necessary protection for both personal recreation and work-related use of their vehicles.

These policies may include coverage for liability, physical damage, and medical expenses related to ATV accidents. 2.

UTVs (Utility Terrain Vehicles)

UTVs, also known as side-by-sides, are popular for both recreational and work purposes. Elephant motorcycle insurance offers coverage options for UTVs that cater to the unique needs of riders.

These policies may include coverage for liability, physical damage, and medical expenses related to UTV accidents. Ensuring proper coverage for UTVs is crucial to protect riders from potential accidents and resulting financial liabilities.

3. Snowmobiles

For riders who enjoy snowmobiling, Elephant motorcycle insurance offers coverage options specifically designed for snowmobiles.

These policies address the risks associated with snowmobiling, such as accidents, theft, and damage. Snowmobile insurance can provide peace of mind for riders and protect their investment against potential losses or damages.


Elephant motorcycle insurance recognizes the unique coverage requirements for different age groups and vehicles. Whether you are a young rider, middle-aged rider, or senior rider, Elephant provides coverage options that cater to your specific needs.

Similarly, if you own recreational vehicles such as ATVs, UTVs, or snowmobiles, Elephant has coverage options designed to protect you against the specific risks associated with each vehicle type. When choosing motorcycle insurance, it is essential to consider your age group and the type of vehicle being insured to ensure you have the right coverage that meets your unique requirements.When it comes to motorcycle insurance, it’s important to understand the specific requirements set by each state.

Elephant motorcycle insurance understands the importance of compliance with state laws and offers coverage options that meet these requirements. In this article, we will explore how Elephant motorcycle insurance aligns with state requirements and provides coverage op

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