AXA Car Insurance Review

Read about the main types of cover available with AXA. Plus, tips on how to save on your premium.

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Woman by car

AXA is a French insurance company which operates in more than 60 countries around the world. Whether you’re after comprehensive cover or a basic plan, AXA is likely to have something for your needs given its wide range of insurances.

Compare AXA car insurance plans

Name Product Accidental Damage Roadside Assistance New Car Replacement Fire and Theft Guarantee on Repairs
AXA Peace Car Insurance
Yes
No
No
Yes
Guaranteed Repair for 12 months
AXA Flexi Car Insurance
Yes
No
No
Yes
N/A
AXA Essential Car Insurance
Yes
No
No
Yes
Guaranteed Repair for 12 months
AXA For Her Car Insurance
Yes
Yes
No
Yes
Guaranteed Repair for 12 months
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What cover options does AXA car insurance offer?

AXA offers seven main types of car insurance which can protect you against a range of accidents and other unexpected events. Each policy is collected under the insurer’s range of products which are called SmartDrive.

All seven of AXA’s main types of car insurance include comprehensive cover. This means a policy will give protection for you, your vehicle and other road users. There are multiple add-ons that can give you more confidence before you start driving. Here are three policies to consider:

SmartDrive Peace

This policy is recommended to drivers who use their car on a regular basis or for long periods of time. Peace of Mind cover includes the following benefits:

  • AXA will pay out 10% above your car’s market value if it needs to be replaced after a flood
  • Comprehensive insurance cover
  • Delivery of your repaired car at your chosen location in Singapore
  • Enhanced windscreen coverage, with zero excess to pay
  • Guaranteed Repair for 12 months
  • This insurer will deliver your repaired vehicle anywhere in Singapore
  • Up to S$500 coverage for towing and transportation in Singapore or overseas, 24/7
  • Up to S$1,000 in medical and dental cover, per person, for you and your family
  • Up to S$3,000 to cover the loss of personal items

Typically, SmartDrive Peace won’t cover you for:

  • Repairs to your vehicle at your prefered workshop
  • A daily transport allowance if you can’t use your vehicle after an accident
  • Phone assistance or roadside support
  • This policy won’t automatically waive your damage excess in your third year of driving if you haven’t made any previous claims

SmartDrive Flexi

One of the major benefits of AXA’s SmartDrive Flexi plan is that you can get your car repaired or maintained at a workshop of your choice. This policy also includes:

  • AXA will pay out 10% above your car’s market value if it needs to be replaced after a flood
  • Comprehensive insurance cover
  • Enhanced windscreen coverage, with zero excess to pay
  • Up to S$500 coverage for towing and transportation in Singapore or overseas, 24/7
  • Up to S$1,000 in medical and dental cover, per person, for you and your family

Some of the policy exclusions of SmartDrive Flexi include:

  • A daily transport allowance if you can no longer use your vehicle
  • Delivery of your repaired car at your chosen location in Singapore
  • Guaranteed repairs from AXA’s approved workshops for 12 months
  • Phone assistance or roadside support
  • This policy won’t automatically waive your damage excess in your third year of driving if you haven’t made any previous claims
  • Up to S$3,000 to cover the loss of personal items

SmartDrive Essential

With AXA’s SmartDrive Essential cover, you will need to use an AXA authorised workshop for repairs or maintenance. This policy has the following benefits:

  • Comprehensive insurance cover
  • 24/7 towing and taxi transportation in Singapore or overseas
  • Enhanced windscreen cover
  • Guaranteed Repair for 12 months

The typical policy exclusions of SmartDrive Essential include:

  • Daily transport allowance
  • Medical or dental expenses
  • Your choice of workshop
  • Loss of personal effects
  • Delivery of repaired car
  • Excess waiver from your third year
  • Phone assistance and roadside support

Other benefits of getting insurance with AXA insurance

AXA’s SmartDrive plans have a range of optional extras which you can choose from when signing up to its car insurance. This added protection – which can be grouped together or added on individually – usually increases the cost of your premium. However, you could be grateful for paying this extra fee if something goes wrong in the future. Extras to consider with SmartDrive include:

  • Courtesy car. Enjoy the convenience of a replacement car which you can drive for up to 10 days while your car is at the workshop (Singapore only)
  • Double excess. You can also double the amount of your excess waiver to get further protection against accidents which lead to higher costs
  • No-claims discount protector. If you have this add-on, you can keep up to 50% of any discount you’ve accrued before an accident
  • Personal accident cover for drivers. This offers you, or a named driver, the chance to be covered for up to S$500,000 in the event of permanent disablement or death
  • Personal accident for passengers. Get cover for up to S$20,000 in the event of permanent disablement or death of a passenger in your vehicle
  • Zero excess. Paying for this waiver means you won’t have to pay any excess if your car suffers basic damage after an accident

Are there any other exclusions to be aware of?

Each car insurance policy you compare will have a set of standard exclusions, and it’s no different for AXA. You won’t be able to make a successful claim after an event related to:

  • Unauthorised drivers. You’ll be refused a claim if your car is driven by a person who is not authorised to do so
  • Unlicensed drivers. If you – or another driver in your car – don’t have a valid driver’s licence, or you’re suspended from driving
  • Undeclared usage. If your vehicle’s used for any purpose other than what’s stated in the policy wording
  • Lack of due diligence. If your car, or its accessories, are stolen as a result of your negligence
  • War, terrorism or nuclear events. You won’t be covered for loss or damage to your vehicle following any of these uncommon events

Read AXA’s motor insurance policy handbook, which can be accessed online, for more detail on what’s excluded from your cover.

How do I make a claim or cancel my policy?

The claims process with AXA SmartDrive is simple – you can file a claim online through this provider’s website. If you need any further help, you can email claim@directasia.com or call 1800 880 4888 (within Singapore) or +65 6880 4888 (from overseas).

To cancel your policy you’ll need to complete a PDF document, which is available on AXA’s website where you can find more on how to return the form to AXA.

How to save on your AXA car insurance policy

  • Drive carefully. Get a no-claims discount for driving safely each year. Reducing your mileage can also lead to savings on your policy.
  • Named drivers. Having fewer drivers named on your policy can lower the cost of your policy. Try to avoid adding young drivers as they are generally seen as a higher risk to insurers.
  • Install an alarm. Extra security features can make your car safer and may reduce your premium. Adding an immobiliser or a tracking device to your vehicle are other ways you could increase your car’s security.

Frequently asked questions

Bottom line

AXA is a big name in the car insurance market in Singapore and has a wide range of comprehensive plans which can give you a lot of protection against the unexpected. However, there may be other insurers who can give you a certain amount of cover that works better for you. That’s why it’s a good idea to compare lots of different cover types before deciding on a policy.

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