Axa car insurance review

Axa is one of the largest insurers in the UK, offering a range of car, home and travel insurance policies. It also owns the Swiftcover brand and is underwritten by Axa Insurance UK plc.

It offers two car insurance policies: Axa Car and Axa Plus.

Its policies cover drivers between the ages of 21 and 81.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

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Does Axa offer the best car insurance?

Here's how Axa scored in our latest survey:

• 68% customer score – joint 5th out of 19 insurers we had customer scores for
• 45% policy score on its standard policy – 31st out of 31 standard policies we reviewed
• 67% claims score – joint 6th among the 19 insurers we had claims scores for.

See how this compares with the best car insurance.

What does Axa car insurance offer?

How good are Axa's car insurance policies?

Axa's standard policy was one of the lowest-scoring in our tables.

With an underwhelming 47%, Axa's standard policy held the second-lowest score in our analysis. 

We liked that it's one of the few policies to provide a lifetime guarantee on repairs it arranges. We were also impressed that it guarantees the availability of a courtesy car during repairs, although this is an optional add-on.

However, it underperformed in numerous other areas of our analysis. These included no courtesy car cover if your vehicle is written off and a lack of cover for damaged, lost or stolen keys. Unlike with some policies, your no-claims discount will be dented if you claim because your car has been vandalised.

Mobile phones covered under personal possessions

Out of the 76 policies we examined, around a third don't count your mobile phone as a personal possession. However, AXA's policies do.

The cover – with a maximum benefit limit of £150 per claim – also contributes towards the cost of laptops, tablets, handbags or sports equipment damaged in or stolen from your car.

Axa Plus 

Axa's pricier alternative policy, Axa Plus, did much better in our analysis, sitting comfortably in the top half of our table with a score of 64%. 

It ranked sixth out of 61 policies we compared, with a score of 74%. Axa Plus has higher cover limits and lower excesses in various areas compared with Axa's standard policy.

However, while it passed our score requirement to be a Best Buy, Axa's poor complaint record kept the insurer from being considered.

Plus' perks include a courtesy car if your car is damaged or stolen, misfuelling cover, and cover for overnight accommodation and travel expenses (up to £300) if you're stranded following an accident.

How did customers rate Axa's car insurance policy?

We asked Axa customers who have recently made a claim how they felt about their car insurance.

Axa's car insurance scored a respectable, above-average customer score of 68%, placing it joint-fifth out of the 19 car insurers we received sufficient responses for in our customer survey. 

Customers were also asked to rate their most recent claim and gave Axa 67%, placing it joint seventh out of 19 in our table.  

Here's how customers rated Axa in various areas of service:

How can you save money on Axa car insurance?

Axa's car insurance policies are available directly (online) and on the following price comparison websites:

• Compare the market
• GoCompare
• Confused.com
• MoneySuperMarket

Axa policies should cost the same to buy whichever channel you buy them through (online or through a comparison website).

Axa provides a discount if you buy both home and car insurance.

The above information is correct as of December 2024. 

How does Axa compare with other providers?

Axa holds a customer score of 68% and a claims score of 67%, placing it in the middle among providers. 

However, its policy score is one of the lowest we found at 45%. If you're after a stronger policy, NFU Mutual, LV, and Direct Line all earned higher marks and may be better suited for those seeking top-tier service.

Axa: How can you claim?

To make a claim with Axa car insurance, call 0330 024 1305 or go through its website.

You'll be asked for your personal details and policy number. If applicable, you'll also need a police reference number and details of any witnesses and the third party involved in the claim.

• Find out more: is it worth claiming on your car insurance?

Find out how Axa rates for other products

• Axa home insurance review
• Axa private health insurance review