AXA Car Insurance Review [2021]

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.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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®

UPDATED: Jan 28, 2021

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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 Car Insurance Company 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 Car Insurance coverage step-by-step so you can compare and see if they are the company for you.

If you 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 in your area.

AXA Car Insurance Rates

AXA Car Insurance 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.

The following video discusses what it’s like working for Equitable.

You may find yourself asking, “What does AXA comprehensive insurance cover?” AXA Car Insurance offers comprehensive coverage for the following areas around the world:

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

Worldwide, they have more than 80 million clients with policies for car insurance, breakdown car insurance, home insurance, pet insurance, and travel insurance.

Here is a news clip explaining the importance of travel insurance.

The following video discusses what it’s like working for AXA.

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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 Car Insurance phone number (0330 024 1158) to contact them about Affordable AXA Car Insurance internationally. Or if you’re an existing customer, use your AXA insurance login for policy details like your AXA insurance number.

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AXA Car Insurance Coverages Offered

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.

The video below details AXA’s brand strategy and what they stand for.

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 discounts offered by AXA insurance?

As part of their standard coverage, AXA Car Insurance offers a no-claims discount of up to 90% to reward their clients 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.

This video further describes what constitutes a no claims discount.

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 “breakdown cover.” This is essentially roadside assistance; if you are stranded on the side of the road, they will send a tow truck to help.

Canceling your AXA Car Insurance Policy

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

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?

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.

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 to Make a AXA Car Insurance 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?”

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AXA Car Insurance Ratings

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”.

The Bottom Line

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.

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 [email protected] with any issues you may have.

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.

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.

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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