AXA car insurance review

Get all the facts about car insurance from AXA, one of the largest insurers in the world.

Last updated:

AXA Car Insurance

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 cover and have the lowdown on this 5-star Defaqto-rated car insurer.

AXA Car Insurance

AXA car insurance

  • 5-star car insurance from only £253
  • Courtesy car while your car's repaired by an approved repairer
  • AXA has been awarded the Feefo Gold Trusted Merchant accolade for 2018

Compare AXA’s policies

Updated January 29th, 2020
Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options
AXA Third Party, Fire and Theft
AXA Third Party, Fire and Theft
When car is repaired or stolen
Up to 90 days
Get a quote and insure your car in minutes.
AXA Comprehensive
AXA Comprehensive
When car is repaired or stolen
Up to 90 days
Up to £5,000
Up to 15% off when you insure additional cars in your household
5 Star car insurance from only £253. Save up to 15% with AXA's MultiCar insurance

Compare up to 4 providers

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.

What are AXA’s levels of cover?

Third party

All drivers are legally required to have at least third party car insurance to be on UK roads. AXA doesn’t provide third party only, but it offers two higher levels of cover.

Third party, fire and theft

If you are responsible for causing an accident, you’ll be protected for damage to other people’s vehicles or property. You’ll also have protection against any fire damage or theft of your car.


This is the highest level of cover on offer through AXA and will provide everything in TPFT as well as insuring your vehicle against accidental damage and vandalism. It’s always worth checking the cost of comprehensive as it can be cheaper than TPFT.

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.

General exclusions

Any cover offered by AXA is likely to become invalid if any of the following arises:

  • You change the use of your car from its original use. For example, changing from social, domestic and pleasure to business use.
  • Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
  • You use your car at rallies, races or competitions.
  • You are paid to carry passengers.
  • You fail to pay for your premium.
  • You change your car during the policy term to a car that the insurer cannot cover.
  • You do not provide the correct documents to support your application.

Check your policy for further details to confirm your cover is valid.

How to save on your car insurance policy through AXA

  • Increasing security. If your car is not currently fitted with an alarm, think about adding one to reduce your premium.
  • Having a secure location to park your car. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
  • Reduce mileage. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
  • Fewer drivers. Only add drivers to your policy that regularly drive your car.
  • Larger excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.

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.

Frequently asked questions

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.

Read more on this topic

Go to site