AXA

AXA car insurance review

Find out what's included in car insurance from AXA, one of the largest insurers in the world, and get a quote to see if its right for you.

Avatar

By

Liz Edwards

Updated

Fact checked
Get a quote Compare Axa car insurance
3.9 ★★★★★ (356 reviews) Write a review

Leave a review

★ ★ ★ ★ ★

Your review

Read Terms and Conditions here

Customer rating
★★★★★
Satisfaction survey
Customers reported efficient claim handling.
Hold times can be long, some customers said.

With a lifetime guarantee on repairs, a courtesy car and protection from uninsured drivers for every comprehensive policyholder, AXA provides some good benefits – but what else is covered, and what are the options? We’ve checked out its car insurance cover and have the lowdown on this top-rated car insurer.

Who is AXA?

AXA offers a range of financial products, including car, travel, van and home insurance.

AXA has been in operation in one form or another for almost 300 years, but after several acquisitions, mergers and name changes, AXA itself was formed in 1985. AXA Group operates in 64 countries and is one of the largest insurance companies in the world.

Who underwrites the car insurance from AXA?

AXA policies are underwritten by AXA Insurance UK plc.

AXA Insurance UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Compare AXA’s policies

1 - 2 of 2
Updated regularly
Name Product Courtesy car cover New car replacement EU Cover Personal accident cover Multi-car discount Link
AXA Third Party, Fire and Theft
AXA Third Party, Fire and Theft
tick
cross
No
Compare quotes
Finder's summary: In our 2020 customer satisfaction awards, AXA got 3.5 out of 5 stars, with 72% of customers saying they would recommend the service. The company’s third party, fire and theft cover offers a lot of benefits as standard which is not always the case for this type of cover.

Who it might be good for: Someone looking for a 5 star Defaqto policy that covers all the essentials needed.
AXA Comprehensive
AXA Comprehensive
tick
tick
Up to £5,000
Compare quotes
Finder's summary: Axa is one of the veterans of the global insurance market, and has strong insurance options to match. The company’s third party, fire and theft cover offers a lot of benefits as standard and its comprehensive cover is solid. However, if you’re after third party only cover, you’ll have to go elsewhere as Axa doesn’t offer this option.

Who it might be good for: Anyone looking for an all-round comprehensive policy by a well reputable company.
loading

What are Axa’s cover options?

Product NameAXA Third Party, Fire and TheftAXA Comprehensive
Damage to your car✓✓
Damaged windscreen and window glass✓
Fire and theft✓✓
Personal accident cover✓
Liabilities to third parties✓✓
Using the car abroad✓✓
No claims discount protection✓ if eligible✓ if eligible
Replacement locks✓✓

Optional extras

AXA offers a range of additional protection to bolt onto your policy, including:

  • Breakdown cover. AXA offers four different levels: Roadside, Rescue, Rescue & Home Assist and European.
  • Courtesy car upgrade. AXA will provide you with a hire car similar to your own while it is out of action.
  • Legal assistance. AXA will provide up to £100,000 of legal costs in the event of a legal dispute after an accident.
  • Personal injury and rehabilitation. AXA will provide up to £100,000 if you’re injured in an accident, regardless of who is at fault.
  • No-claims discount protection. Even if you make one claim in a year or two claims over a three-year period, your no-claims bonus will be secure.

What types of car insurance are available?

  • MultiCar insurance.AXA can insure all cars listed at the same address under one policy. If AXA already insures a car at your home address, you could get up to 15% off the car insurance for the other cars registered at the same address.

What is my excess?

Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your car and your driving experience.

A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which should lower your premium.

You’ll find details about any compulsory or voluntary excesses in your policy document.

How do I make a claim?

Call the AXA claims line on 0330 024 1305 to register a claim. This is a 24-hour claims line open 7 days a week.

You will need to provide your details and personal contact details:

  • Your personal details such as your policy number and contact details
  • Details about the incident, including any damage to your vehicle or injuries sustained
  • Names and contact details of everyone involved in the incident such as third parties, passengers and witnesses
  • Dashcam footage, if available
  • Police reference number, if applicable

It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.

AXA car insurance customer reviews

Customers who took part in Finder’s 2023 customer satisfaction survey were incredibly positive about AXA, with many highlighting its “helpful” customer service and good policy coverage. However, some customers complained about expensive rates.

One customer said, “AXA has always responded very quickly and solved any issues seamlessly.”

AXA received an overall customer satisfaction score of 3.5 out of 5, and 73% of customers would recommend the brand to a friend.

Axa insurance pros and cons

Pros

  • Axa’s car insurance is 5-star Defaqto-rated
  • Courtesy car included as standard
  • Claims line open 24/7

Cons

  • No third party only cover available

Verdict

Axa is one of the veterans of the global insurance market, and has strong insurance options to match.

The company’s third party, fire and theft cover offers a lot of benefits as standard and its comprehensive cover is solid. However, if you’re after third party only cover, you’ll have to go elsewhere as Axa doesn’t offer this option.

While Axa is bringing up the rear of our list of top 10 car insurance companies in the UK, customers in our survey reported efficient claim handling and a good overall service.

Get started by visiting AXA’s website and sign up for a policy. If you have read this review and decided that AXA car insurance is not for you, you can also compare other car insurance policies on the market.

Frequently asked questions

Car insurance scores

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology.

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

More guides on Finder

Go to site