AXA car insurance review

4 min Read Published: 08 Jul 2021

Who is AXA

Axa car insurance reviewAXA was founded in 1958 in France and is now one of the world's largest insurers operating in numerous countries around the globe. In the UK it offers a range of insurance products including car travel, home, business and Permanent Health Insurance.

AXA car insurance policies

AXA offers two main car insurance policy types:

Single car insurance

Car insurance cover for a single car with one or more drivers either Comprehensive or Third Party, Fire and Theft cover.

Discounted Multi-car insurance

You can insure more than one car registered at your home address and receive a 15% discount on each policy premium. Each car covered will have a separate policy with a separate insurance certificate and renewal date. The insurance cover on each car can be Comprehensive or Third Party, Fire and Theft

AXA car insurance extra benefits

Guaranteed hire car

If your car is being repaired by an AXA approved repairer you will be provided with a standard 3 door, 1-litre courtesy car for as long as the repair takes and up to 14 days if the car has been declared a total loss. For an extra premium, guaranteed car hire can be upgraded to a similar vehicle to your own.

Lifetime guarantee on repairs

When using an AXA approved repairer the repairs are guaranteed for as long as you own the car.

Uninsured driver promise

If an uninsured driver causes damage to your car and you are not to blame you will get your no claims discount and policy excess back. You will need to provide the make, model and registration number of the other car in the event of a claim.

Wrong fuel, lost keys and child car seat cover

If you put the wrong fuel in your vehicle you can claim for any cost involved in correcting the error. Loss of keys and replacement child seats, if you are involved in an accident, are also included.

Foreign use

Up to 90-days cover if you are travelling in any European country.

Multi-car Discount

If there is more than one car in the household then you can save up to 15% by insuring them all with AXA.

AXA policy summary

Comprehensive Third Party Fire and Theft
Damage to other person's cars or property Yes Yes
Injury to other people Yes Yes
Repair or replacement of your car if it stolen or damaged by fire or theft Yes Yes
Overnight accommodation or onward travel Yes Yes
Courtesy car Standard 3 door, 1-litre manual car until repair completed by AXA approved repairer and up to 14 days if the car has been declared a total loss Standard 3 door 1-litre manual car until repair completed by AXA approved repairer or up to 14 days if the car has been declared a total loss
Lifetime guarantee on repairs From AXA approved repairers From AXA approved repairers
European cover for up to 90 days Yes Yes
Replacement of child car seats if stolen or damaged by fire Yes Yes
Replacement of child car seats if involved in an accident Yes No
£5,000 personal accident cover Yes No
Windscreen repair or replacement Yes No
Replacement keys or locks if your car keys are lost accidentally Yes No
Cover for putting wrong fuel in car Yes No
Uninsured driver promise Your no claims discount is protected and excess returned if your car is damaged by an uninsured driver providing you have the make, model and registration number of the other car in the event of a claim and you were not at fault No

How do AXA extra benefits compare with other insurers?

AXA Direct Line LV= Aviva
Guaranteed car hire Yes Yes £9.90 for small hatchback, £29.90 for similar car to own Yes
Transport after accident Yes Yes No Yes
No Claim Discount Protection Yes Yes Yes Yes
Breakdown Cover From £29.99 p.a. From £25 p.a. From £26 p.a. Individual cost calculation
Motor Legal Protection (£100,000) £29.99 p.a. £28 p.a. £25.99 p.a. £29 p.a.
Multi-car Discount Yes Yes Yes Yes
Black Box available No Yes No No
Admin fee for policy amendments Free online, £10 by phone No £15 No
Available on comparison sites Yes No Yes No

How are AXA car insurance premiums calculated?

There are a number of elements that go into calculating your AXA car insurance premium as follows:

% of premium Details
Claims 60.9% On average, just over 60% of all premiums are paid out on claims. In 2020 AXA paid out 99.7% of customers' car insurance claims
Expenses 21.5% Expenses incurred in running the business
Insurance Premium Tax 10.7% Part of your insurance premium is made up by the Government’s Insurance Premium Tax
Reinsurance/Industry Levies 3.0% Payment to various industry funds that have been set up to protect you, the customer
Profit 3.9% Profit is actually a relatively small percentage of the original premium

How to make a claim with AXA car insurance

To register a claim with AXA car insurance contact the claims line on 0330 024 1305 (open 24/7) or online at AXA make a claim.

You will need to have the following details to register your claim:

  • 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

AXA customer reviews

AXA website

According to the AXA website, it has an average score of 4.6/5.0 from over 150,000 customer reviews


Axa is rated as 'Excellent' on independent review site Trustpilot, with an average score of  4.3/5.0 from almost 7,000 customer reviews.


In a recent Which? survey AXA was ranked 7th in a list of 39 insurers with a customer score of 70% with the section "dealing with queries" scoring lowest with 4/5 stars


AXA is a well respected global insurance brand offering the full range of general insurance products as well as being a prominent insurer in the Health Insurance market. AXA car insurance offers a range of competitive benefits, scores well on customer reviews and ranks well in the Which? comparison of car insurance policies.

Further reading

Aviva car insurance review

LV= car insurance review

RAC car insurance review