Who is AXA
AXA 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.
Up to 90-days cover if you are travelling in any European country.
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?
|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.|
|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
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.
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