AXA car insurance review

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

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AXA Car Insurance
Customers say
Customer satisfaction
Customers reported efficient claim handling
Hold times can be long, some customers said

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

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.

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

Data indicated here is updated regularly
Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options Link
AXA Third Party, Fire and Theft
AXA Third Party, Fire and Theft
Up to 90 days
Breakdown cover, Legal cover
Get a quote
Get a quote and insure your car in minutes.
AXA Comprehensive
AXA Comprehensive
Up to 90 days
Up to £5,000
Up to 15% off when you insure additional cars in your household
Breakdown cover, Legal cover
Get a quote
5 Star car insurance from only £253. Save up to 15% with AXA's MultiCar insurance

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What are Axa’s cover options?

Product Name AXA Third Party, Fire and Theft AXA Comprehensive
Damage to your car
Damaged windscreen and window glass
Fire and theft
Personal accident and road rage
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

In our 2020 customer satisfaction awards, AXA got 3.5 out of 5 stars, with 72% of customers saying they would recommend the service.

On customer review platform Trustpilot, AXA as a company has 3.8 out of 5 stars and a rating of “Great”, based on more than 3,000 reviews.

On similar platform,, the company also has 2.58 out of 5 stars, based on more than 850 reviews. 40% of customers said they would recommend the service.

Lastly, on Feefo, AXA has 4.5 out of 5 stars, based on more than 33,500 reviews in the last year.

Customers love the friendly and helpful staff, but some complained about issues during the claims process (updated 8 October 2020).

Axa insurance pros and cons


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


  • No third party only cover available


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.

Frequently asked questions

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our customer satisfaction scores (“Customers say”) are based on a survey of 750 customers carried out in December 2019.
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.

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