AXA Car Insurance Review [2022]

AXA Car Insurance is available in the UK, Asia, North America, and Western Europe. AXA is licensed to do business in California but now operates internationally. AXA Car Insurance discounts include up to 90% savings for staying claim-free. AXA Car Insurance Company provides two main car insurance types — comprehensive car insurance and third-party fire and theft car insurance.

UPDATED: Jun 22, 2022Fact Checked

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 22, 2022

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Company Details
Address: 200 Liberty Street 21st Floor
City: New York
State: NY
ZIP Code: 10281
Phone Number: 212-493-9300
Year Founded: 1852
AM Best Rating: A+ (Superior)
Company Rating 0 (0 reviews)

AXA Car Insurance Review
AXA Car Insurance FactsSource
Policyholders can make changes to their policies 24/7axa.co.uk
AXA offers two main types of car insurance - comprehensive car insurance and third party fire and theft car insurance.axa.co.uk
AXA offers a lifetime guarantee on repairsaxa.co.uk
AXA covers policyholders to drive their car in Europe for up to 90 daysaxa.co.uk
AXA was established in 1852insurance.ca.gov
AXA is licensed to do business in Californiainsurance.ca.gov
AXA is the world's largest insurance companyinsurance.ca.gov
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Here's what you need to know...

  • AXA car insurance is available in several locations worldwide.
  • AXA offers third party fire and theft coverage as well as comprehensive coverage.
  • AXA car insurance also provides a no-claims discount to clients with a safe driving record.

We understand that finding the best car insurance company to suit your needs can be a bit of a hassle. You might be asking, “is AXA good for car insurance?” This is why we are going to go through AXA as a company step-by-step so you can compare and see if they are the company for you. Some focal points will be the insurance products they offer, their breakdown service and additional extras, as well as what their auto insurance plan looks like.

In the event that you already have your AXA car insurance quote, why not compare it against other top companies in your area? Use our free comparison tool above and enter your ZIP code to find affordable rates and services.

What are the rates of AXA car insurance?

The AXA insurance company was initially established in France in 1852. Over a century later, in February of 1997, it merged with UAP and is now the world’s largest insurance company. Over half of its foreign income is derived from the U.S. via its subsidiary, The Equitable Companies.

You may find yourself asking, “what does AXA comprehensive insurance cover?” Comprehensive may cost more than just standard coverage, but it will protect your vehicles against all non-motorist related accidents. Whether you hit a deer, or your car suffers damage due to natural disasters, you would be covered. Even if the car is sitting safe in your garage; should the roof collapse onto your car this would also be an event covered by comprehensive.

It would also protect your vehicle from the wide range of occurrences that could happen while it’s parked somewhere; vandalism being one of the more major and serious offenses. In the unfortunate event that your car is vandalized, comprehensive would cover it. AXA offers comprehensive coverage for the following areas around the world:

  • The United Kingdom
  • Asia/Pacific
  • North America
  • Western Europe

If you need further coverage details, you can always contact an agent or look online. Worldwide, they have more than 80 million clients with policies for car insurance, breakdown car insurance, home insurance, pet insurance, and travel insurance.

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Is AXA car insurance available in the USA?

Before AXA’s sale of its remaining stake in AXA Equitable Holdings at the end of 2019, AXA was widely prevalent in the United States. Now that Goldman Sachs owns Equitable, AXA does not have state availability.

You can use the AXA phone number (0330 024 1158) for informational purposes, to contact them about finding affordable coverage internationally. Or if you’re an existing customer, use your AXA insurance login for policy details like your AXA insurance number.

What are some of the coverage levels that AXA offers?

AXA offers two different levels of car insurance designed for the wants and needs of their potential policyholders. The following table shows what the first coverage type – AXA third-party, fire and theft – has to offer.

AXA Car Insurance Coverage Features
AXA Car Insurance Coverage FeaturesAXA Third-Party, Fire and Theft
Damage to other people's cars or propertyYes
Injury to other people Yes
Repair or replacement of your car if it is damaged by fireYes
Repair or replacement of your car if it is stolen or damaged by theftYes
Replacement of child car seats if stolen or damaged by theft or fireYes
Overnight accommodation or onward travelYes
Courtesy carYes
Lifetime guaranteed on repairsYes
Cover to drive your car in Europe for up to 90 days Yes
Replacement keys or locks if your car keys are stolen Yes
Round the clock support with AXA's 24-hour claims lineYes
Repair or replacement of your car if it is damaged accidentally - even if it was your faultNot included
Replacement of child car seats involved in an accidentNot included
5,000 pound personal accident cover Not included
Windscreen repair or replacmentNot included
Replacement keys or locks if your car keys are lost accidentallyNot included
Cover in case you put the wrong fuel in your car Not included
Uninsured driver promiseNot included
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As you can see, not everything is included. Let’s now take a look at AXA’s comprehensive car insurance policy to see if it is more substantial. You can also check out the following link should you be asking, “what does comprehensive car insurance mean?”

AXA Comprehensive Car Insurance Features
AXA Car Insurance FeaturesAXA Comprehensive
Damage to other people's cars or propertyYes
Injury to other peopleYes
Repair or replacement of your car if it is damaged by fireYes
Repair or replacement of your car if it is damaged by theftYes
Replacement of child car seats if stolen or damaged by theft or fire Yes
Overnight accommodation or onward travelYes
Courtesy car Yes
Lifetime guarantee on repairsYes
Cover to drive your car in Europe for up to 90 daysYes
Replacement keys or locks if your car keys are stolenYes
Round the clock support with our 24 hour claims line Yes
Repair o replacement of your car if it is damaged accidentally - even if it was your faultYes
Replacement of child car seats involved in an accidentYes
5,000 Pounds personal accident coverYes
Windscreen repair or replacementYes
Replacement keys or locks if your car keys are lost accidentally Yes
Cover in case you put the wrong fuel in your carYes
Uninsured driver promise You'll get back your no claims discount and excess if your car is damaged by an uninsured driver.
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For both policy types, overnight accommodation or onward travel will be covered if your car is damaged in an accident covered by your policy.

A policyholder can get a courtesy car with both policy types, provided one is available. Lifetime guarantee on repairs exists within an approved network for as long as you own your car.

To further extend your coverage, AXA offers breakdown coverage, legal coverage for damage that exceeds policy limits, lost key coverage, and driver injury coverage.

As with all car insurance policies, the more coverage you purchase the higher your premium will be, but AXA offers a couple of different savings options.

What are AXA’s bundling options?

AXA’s website does not mention any bundling options, but because they offer car, home, travel, landlord, business, van, and health insurance, it would stand to reason that they would.

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What are some of the discounts offered by AXA insurance?

As part of their standard coverage, AXA offers a no-claims discount of up to 90% to reward a policy holder for safe driving. You have the option of locking in your no-claims discount if you drive four or more years without having a claim.

By protecting your no-claims discount, you can buy yourself the allowance of having one claim over the course of a year or two claims over the course of three years.

Policyholders can also add more than one car to the policy to get AXA’s 15% MultiCar discount.

What programs are available from AXA insurance?

AXA offers what they call ‘breakdown coverage’. This is essentially roadside assistance; if you are stranded on the side of the road, they will send a tow truck to help. It’s one of those optional extras that can really come in handy, especially if you’re a driver who covers long distances often.

What is there to know about cancelling your policy?

Can a policyholder cancel their AXA car insurance policy? Yes; here is some more information to help.

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Is there a cancellation fee?

As long as there is no claim underway, AXA allows policyholders to cancel their coverage at any time. There may, however, be a £35 charge, which converts to $43.18.

Is there a refund option?

You would be eligible for a refund if you paid their premium in full in advance. There will not be a refund given if any claim or accident giving rise to said claim has occurred.

How do you cancel?

A policyholder can cancel their policy by accessing their AXA account. You can contact AXA at 0330-024-1158.

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When can I cancel?

If you want to cancel your AXA policy after you have been sent a renewal invitation, you can log in to your AXA Account and deny the renewal.

If you want to cancel before the renewal invitation, you have to call the help team at 0330-024-1158.

How can you use their services to file a claim?

To make a claim, just visit AXA’s website. No matter what page you are on, there is a ‘make a claim’ tab at the top of the page you can click on.

It will then take you to a page where you can specify what the issue is, starting with the question, “do you need emergency roadside assistance?”

What are the ratings of AXA?

Trustpilot.com has 2,730 reviews on AXAt. An impressive 46% of them are labeled ‘excellent’, yet 43% are labeled ‘bad’. Overall, the company stands at 3.8 out of five stars, or ‘great’.

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What’s the bottom line?

While you’re looking for coverage, you should always consider each angle of a provider. Their financial stability, whether their average cost of coverage matches the market, and how simple it is to use their services should all be scrutinized. A company doesn’t have to be the largest insurer in order to gain your trust. That being said, there are far worse choices than AXA, particularly if you live in the UK. While their state in the US is somewhat in flux, if you can find one of their agents, it would be worth inquiring further.

For now, feel free to enter your ZIP code below to find reasonable rates and comparison shop in your area.

Frequently Asked Questions: AXA Insurance reviews

Q: What does AXA comprehensive insurance cover?

A: Comprehensive car insurance means you’re covered for third party claims plus damage caused to your vehicle after you’ve been in an accident.

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Q: Does AXA insurance cover driving other cars?

A: You can drive another individual’s car with their obtained permission. You must have driving of other cars covered on your policy. If you don’t have this, ask the owner of the vehicle you’re driving, as you may be covered under their policy.

Q: Is AXA an insurance company?

A: Yes, AXA is a French multinational insurance firm.

Q: How do I complain about AXA insurance?

A: You can email complaints@axainsurance.com with any issues you may have.

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Q: Are AXA good for car insurance?

A: Defaqto gave AXA 5 out of 5 stars for highest coverage level and 4 out of 5 stars for the next level down.

Q: Can I drive any car with comprehensive insurance?

A: It depends on the policy you have.

Q: Can I drive someone else’s car on my van insurance?

A: If you have a ‘driving other cars’ or ‘driving other vehicles’ clause in your terms and conditions, yes.

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Q: Can I drive an uninsured car on my insurance UK?

A: No, insurance is tied to a car not a person.

Q: Can I drive someone else’s car in UK?

A: If you have ‘Driving Other Cars’ coverage, yes.

Q: How many customers does AXA have?

A: AXA currently has 108 million clients.

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Q: Is AXA travel insurance any good?

A: Reviews.co.uk shows that only 53% of reviewers recommended the company for travel insurance.

Q: Does AXA auto renew insurance?

Most car insurance companies will auto renew your policy. If you’re a current customer, reach out to AXA to confirm if your policy is on auto renewal.

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