Axa home insurance review

Founded in France in 1817, Axa is now one of the world's largest insurers, providing cover for millions of customers across the UK – offering home insurance, car insurance and private health insurance. 

It belongs to the Axa Group, which owns several other brands including Swiftcover. Its policies are underwritten by Axa Insurance UK plc.

We've reviewed Axa's Home, Plus and Premier policies. We've also surveyed 147 Axa customers who've recently made a home insurance claim.

Please note that this article is for information purposes and does not constitute advice.

Does Axa offer the best home insurance?

Here's how Axa scored in our latest survey.

• Which? Best Buy policy for its Premier buildings cover
• 73% customer score, placing it 5th out of 17 providers rated
• 69% buildings score for its standard policy 'Plus', 19th out of 35 standard policies reviewed
• 60% contents score for its standard policy, 26th out of 35 providers compared
• 71% claims score, placing it 4th out of 24 brands compared

See how this compares with the best home insurance, or read more about how we rate home insurance.

What does Axa home insurance cover?

We reviewed three of Axa's policies. Select a policy from our table to see what it offers and how we scored it.

Compare home insurance deals

Check Which? insurance ratings and compare deals using the service provided by Confused.com

Get a quote

‘Make sure you pick the right Axa policy’

Dean Sobers, Which? home insurance expert, says:

Of Axa’s three products, its mid-range Plus policy managed poorer-than-average scores for both buildings and contents – 69% and 60%.

Some areas in which it did well were its personal possessions cover for mobile phones, which will pay out up to £1,500 if your phone is stolen or destroyed, so it should adequately cover more premium devices.

The policy also covers the theft or damage of garden furniture for up to £3,000.

However, an area where it falls short – compared to many products – is its cover limit for unspecified (undeclared) individual items under contents cover. The limit per item is £1,500 – about half the average amount.

It also doesn’t cover guests’ belongings, which most policies do.

Bicycle cover

If you own one or more bicycles, these will be covered as standard under Axa's policy. 

The cover is £350 per bicycle up to £1,500 in total (you can increase these amounts by specifying the bicycle). It’s covered in the house, in outbuildings (such as a garage) and also away from the home.

Home and Premier

Either side of Plus in Axa's range were Premier and Home. Premier – achieved the highest score we gave for a buildings policy (85%) and is a Best Buy in that area. Notably, it covers accidental damage as standard – which only 27% of policies we examined do. Its contents cover, meanwhile, was exactly average, earning 68%.

Axa's budget-focused 'Home' policy got scores of 69% for buildings and 57% for cover, both below average.

How did customers rate Axa's home insurance?

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

Axa received a customer score of 73% - in the top five of our table. It was rated highly on its claims handling – 4th out of 24 with a score of 71%. See the list of results here.

When asked why they rated Axa highly, one customer said they 'handled my claim very quickly', while another told us: 'Axa policies are easy to understand and very straightforward'. They added: 'Axa prioritises customers' interest above profit.'

How can you save money on Axa home insurance?

Axa offers a discount if you buy buildings and content policies together, but the exact amount varies.

Axa's policies are available from the following comparison websites:

• Compare the Market
• Confused.com
• Go.Compare
• MoneySuperMarket

Want to pay monthly? Axa charges interest (the rate of which varies), so you might be better off paying annually on an interest-free credit card.

The above information is correct as of August 2025. For more ways to save money when buying insurance, see our guide.

How does Axa compare with other providers?

With a customer score of 73%, Axa came just below Which? Recommended Provider Tesco in our table.

Its building cover for its standard Home Plus policy scored 69%, the same score as standard policies from NatWest, Royal Bank of Scotland, Santander, HSBC and First Direct. Standard policies from both The AA and Admiral were just ahead in the table. each with 70%.

For the contents cover, Axa's standard policy scored 60%, below a standard policy from MBNA, which scored 61%.

Axa home insurance: How do I claim?

If you need to make a claim on your Axa home insurance, call 0330 024 8086 or register your claim online.

For emergency assistance, call 0330 058 4119.

• Find out more: Is it worth claiming on your home insurance?

Should you buy Axa home insurance?

We had some reservations about the extent of cover in AXA's Home and Home Plus policies, but are fans of its Premier policy – particularly its buildings cover, for which it is a Which? Best Buy. 

This, plus Axa's reasonably high placings in our customer tables, makes it well worth considering.

Find out how Axa rates for other products

• Axa car insurance review
• Axa health insurance review

How we rate home insurance