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 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.
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.
|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|
AXA offers a range of additional protection to bolt onto your policy, including:
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.
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:
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 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.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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