Is Axa a Good Insurance Company?
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You are considering buying an insurance policy at Axa and are wondering if Axa is the best insurer for you?
You've come to the right place!
In the below guide you’ll find everything you need to know about Axa: expert and consumers reviews, insurance policies detailed, recommendation, contact and much more.
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Good to know
Safe's mission is to help anyone trying to get the best value for money deal on personal insurance making the right decision. We've analyzed over 1000 insurance companies and contracts. You will find below our independent and neutral rating and evaluation for Axa.
Who is Axa?
AXA was founded in the early 18s and is now one of the european's largest insurance provider. The company offers home, car, van, travel, landlord and business insurances. AXA Insurance is authorised and regulated by the Financial Conduct Authority. The company has been in the industry for many years and offers their insurance products worldwide.
What are the main insurance policies available at Axa?
Let's discover below main insurance policies offered by Axa.
| Safe overall rate | Our reviews | |
|---|---|---|
| Car insurance | Get to know more | |
| Travel insurance | Get to know more | |
| Home insurance | Get to know more |
Axa expert and consumers reviews: Defaqto, TrustPilot
Axa is regularly audited by Defaqto expert rating. Defaqto ranks each company as well as policies with scores of 1 to 5 stars. Cover details, admin fees, value for money, claim and complaint process and more are analyzed and weighted.
Consumers, on the other hand, can write down their opinions on independent websites such as TrustPilot, Reevoo or Reviews which give great insights on claim process and refund as well as customer service at Axa.
| Defaqto | |
|---|---|
| Car insurance | 3 |
| Home insurance | 5 |
Is Axa a good car insurance company?
3,8 Safe overall rating for Axa car insurance
On the website, there is a sufficient amount of contact options provided for the customers to meet each and every need that might arise. Apart from the customer care review on TrustPilot that was not impressive at all, Axa offers a wide range of services and insurance covers. The comprehensive plan for instance covers most important aspects needed for a car insurance service. Overall, the performance of Axa can be said to be average and while it might come recommended, there might be better car insurance companies to work with.
In addition to typical car insurance coverage choices, Axa offers, among other options:
Breakdown cover
With an average rescue arrival time of less than 50 minutes, and a customer satisfaction score of 4.35/5 2, Axa provides one of the best breakdown services. With Axa, if your vehicle breaks down more than one-mile from your place of residence, roadside assistance is provided to repair it at the roadside. If it cannot be repaired, the driver and up to six passengers can be taken to a destination within a 20-mile radius. The breakdown cover covers:
- Misfuelling
- Replacement car and accommodation if abroad
- Home assistance
- Inclusion of any caravan or trailer, attached to the vehicle at the time of breaking down.
Windscreen cover
Claim on windscreen, window doesn't affect NCB. Sunroof does.
Motor legal protection
Up to £100,000 in legal fees is provided if the driver was not at fault for the accident. The legal cover option also includes medical expenses, compensation for injuries, recovery of transportation costs and earnings lost due to the accident.
Personal injury policy
With AXA's Personal Injury & Rehabilitation cover, the driver gets up to £100,000 if injured in the car - even if the accident was his/her fault.
Besides main car insurance coverage, you can also get extra car insurance options at Axa. Get to know more, read our complete review on Axa car insurance.
Is Axa a good travel insurance company?
4,2 Safe overall rating for Axa travel insurance
AXA Insurance is authorised and regulated by the Financial Conduct Authority. The company has been in the industry for many years and offers their insurance products worldwide.
Alongside standard travel insurance policies, AXA also offers additional optional covers such as Winter Sports, Cruise, and Golf Cover.
Due to their customer satisfaction rate on TrustPilot and the 5 star rating on Defaqto, we would recommend AXA to anyone looking for affordable Single or Annual Multi Trip covers with the options to add extra protection should they choose to golf, participate in winter sports or take a cruise.
For single and annual multi-trip cover, age and maximum number of days limits at Axa are:
| Main travel insurance policies | Available at Axa |
|---|---|
| Axa maximum number of days limit | Single Trips Policy: Up to 120 days |
| Axa age limit | For Single Trip: 75 years if travelling to USA, Canada or the Caribbean / 80 years if travelling anywhere else. |
You will find Axa cover details (compensations, deductibles, extras etc.) for single and annual multi-trip policies in our review.
Besides main travel insurance policies, Axa also provides extra cover such as:
- backpackers travel insurance
- long stay travel insurance
- winter sports cover
- golf cover
- cover for business trips
- cruise gear
- gadget cover
AXA offers Medical Travel Insurance for travellers who have pre-existing medical conditions.
>> MORE: read our complete review on Axa travel insurance.
Is Axa a good home insurance company?
4,4 Safe overall rating for Axa home insurance
AXA offers different levels of cover for your home from the most basic to the most comprehensive one.
The comprehensive one, called HomeSafe, ranks among the top home insurance policies across UK. Accidental damage, personal possessions and legal expenses are included as standard (and not as optional extras).
You will find below all details regarding the HomeSure standard home insurance.
If you are looking for cheaper rates, AXA also offers a lower level, HomeSmart, covering up to £500K for building insurance maximum sum insured as well as 30 days of unoccupancy period covered which is rather low.
Axa building insurance
You will find below building main insurance details for the HomeSure cover at Axa:
- Maximum sum insured for your property: £1 000 000
- Owner's liability: £2 000 000
- Alternative emergency accomodation: £50 000
- Period of home's unoccupancy cover: 60 days
- Trace and access: £5 000
- Keys cover: £1 000
- Subsidence excess: £1 000
Alongside building insurance, you can get additional cover such as:
| Home building insurance extras | |
|---|---|
| Home emergency |
|
| Boiler cover |
|
| Family legal protection |
|
Axa contents insurance
You will find below contents insurance details for the HomeSure cover at Axa:
- Maximum sum insured for your contents: £85 000
- Alternative emergency accomodation: £20 000
- Single item limit: £10 000
- Contents in the open: £2 500
- Contents in outbuildings: £5 000
- Money / credit card kept at home: £1 000 / £2 000
- Items temporarily removed from home: Not covered
Alongside contents insurance, you can get additional cover such as:
| Home contents insurance extras | |
|---|---|
| Accidental damage cover |
|
| Personal possessions cover |
|
| Mobile cover |
|
| Bike cover |
|
Standard excess to report a claim at Axa is £100.
You will find exhaustive cover details, administration fees, contacts etc. on Axa home insurance on our review below.
>> MORE: read our complete review on Axa home insurance.
| Life insurance criteria | |
|---|---|
| Minimum age | |
| Maximum age | |
| Pay-out | |
| Extras | |
| Terminal illness |
Axa discount codes, promos and vouchers
| Discounts and promo codes available | |
|---|---|
| Car insurance |
|
| Travel insurance | They do not mention any discounts on their website. |
| Home insurance | Discount is given for buying combined policy. |
How to contact Axa?
Find out how to contact and log in to Axa on our contact page.
