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 it's right for you.

3.9 ★★★★★ (356 reviews) Write a review

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Our 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 to 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.
  • 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

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.

Compare AXA car insurance policies

Name Product Courtesy car cover New car replacement EU cover Personal accident cover Multi-car discount Link
AXA Third Party, Fire and Theft
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Finder's summary: In our 2023 customer satisfaction awards, AXA got 3.5 out of 5 stars, with 73% 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
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 from a reputable company.

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 AXA’s car insurance?

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.

What’s covered under my policy?

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 4 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 are AXA’s different policies?

How do I make a claim?

You can make a claim online or 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.

If you’re making a new claim while overseas the number is +44 (0)1217 520 685. It’s available Monday to Saturday from 9am to 5pm (UK time) or 9am to 4pm if it’s a bank holiday. It’s not available on Sunday.

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.

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.

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.

On Trustpilot, AXA has an “excellent” rating of 4.3 out of 5 from 22,148 reviews (updated May 2024).

How to cancel AXA car insurance

For most car insurance policies you can cancel your policy online if you log in to to you AXA account.

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.
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Written by


Liz Edwards has been a consumer writer and editor for more than 20 years. She led award-winning teams at the campaigning publisher Which?, and has covered a range of consumer rights and personal finance topics including pensions, credit, banking and insurance. Liz has appeared frequently in national media such as The Sun, Metro, HuffPost and The Independent. She loves to cut through waffle to give consumers the real lowdown. And she loves puns. See full bio

Liz's expertise
Liz has written 106 Finder guides across topics including:
  • Consumer rights and protection
  • Saving money
  • Buy now, pay later
  • Insurance
  • Consumer trends
Jason Loewenthal's headshot
Co-written by


Jason is a freelance writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio

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