AXA Car Insurance Logo

AXA Car Insurance

User reviews
1.4

Customer Service

4

Quality of website

1.6

Value For Money

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AXA Car Insurance

AXA Car Insurance: Key Information

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AXA Car Insurance Logo
1.24 124 user reviews
56%
41%
30%
22%
185%
03%
1.4

Customer Service

4

Quality of website

1.6

Value For Money

About

Find out about AXA Car Insurance and read genuine user reviews

AXA Car Insurance is part of AXA UK, one of the world’s leading insurance groups, offering a range of motor insurance policies for private and commercial drivers. Known for its strong financial backing and global presence, AXA provides flexible cover options, competitive pricing, and 24/7 claims support for UK motorists.

Also read: Best Car Insurance Companies in the UK

Products and Services

AXA Car Insurance offers several levels of car cover to meet different driver needs:

  • Comprehensive Cover – includes accidental damage, theft, fire, and third-party liability.
  • Third Party, Fire and Theft – covers others and protects your car against fire or theft.
  • Third Party Only – the legal minimum cover, insures against damage to others only.

Key policy features may include:

  • Courtesy car (when using approved repairers)
  • Windscreen repair and replacement
  • European driving cover (for up to 90 days)
  • 24/7 claims helpline
  • Optional extras like breakdown cover, legal expenses, and personal accident protection

Note: Coverage details may vary by policy. Always review your policy documents for exact terms.

Contact Details

  • Website: www.axa.co.uk/car-insurance
  • Customer Service: 0330 024 1158 (Mon–Fri: 8am–8pm, Sat: 9am–5pm, Sun: Closed)
  • Claims Line: 0330 024 1305 (available 24/7)
  • Address: AXA Insurance UK plc, 20 Gracechurch Street, London, EC3V 0BG

Business Legitimacy and Trustworthiness

AXA Insurance UK Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA) under Financial Services Register number 202312. This regulatory oversight ensures that AXA meets strict standards for operating within the UK financial services sector. In terms of product quality, AXA Car Insurance holds a 3-Star Defaqto Rating, while AXA Plus Car Insurance is awarded a 5-Star Defaqto Rating—independently assessed based on the range and quality of policy features.

Customer Service & Complaints Procedure

AXA offers a dedicated customer service team for both general queries and claims. If you have a complaint, the process is as follows:

  1. Contact AXA directly: Call or write using the contact details above. Provide your policy number and a full description of the issue.
  2. Escalate if unresolved: If you're not satisfied, you can ask for the issue to be reviewed by a senior handler.
  3. Refer to the Financial Ombudsman Service: If AXA can't resolve your complaint within 8 weeks, or you're unhappy with their response, you may escalate to the FOS.

Notable Features

  • Large global insurer with financial stability
  • 24/7 claims assistance
  • Customisable policy add-ons
  • Online account management and document access
  • Access to a nationwide network of approved repairers

User Reviews

DpHall83
1

Customer Service

1

Value For Money

Waste If Time.

I am absolutely disgusted with helplessness of a senior employee dealing with my claim. I have been a victim of crime and my vehicle has been vandalised. I have always click the box for a courtesy car and have never seen an option to upgrade I have never had any issues like this with previous insurances.

I insure a 3lt Mercedes 4x4 with you as that is what is suitable for my family so to be offered a 1lt 3 door car I explained this vehicle would no be suitable due to fact we have horse will need to collect feed and bedding, my wife take her 89 year old grandma to hospital appointments due to poor mobility this car again would not be suitable.

I waited over 48hours for a call back from a senior to help only to be told in his words because there is not a third party to claim from he would not be able to upgrade the courtesy car, I repeated back “so your telling me because I have been a victim of crime and because you have no one to claim from to get the money back you are not willing to at least but in a request for an upgrade.”

This is disgusting and I am totally shocked at this admission I can provide the name this so called senior.

I’m now 3 days into the claim no courtesy car and not been given and assistance or solutions.

You also now want to double my insurance premium is this company a joke.

DeeBegum
1

Customer Service

Worst Experience With Axa Car Insurance

Subject: Extremely Disappointing Experience with AXA Insurance

I am deeply dissatisfied with my ongoing claim experience with AXA Insurance, which has extended over 40 days without resolution. Despite making over 20 calls, I consistently receive assurances that someone will call me back, but regrettably, no one does.

Each of the 20 agents I've spoken to made promises to escalate my claim, assured me of callbacks by week's end, and pledged actions that were never fulfilled. This string of broken commitments reflects the incompetence of AXA Insurance in handling my case, causing me considerable distress.

My car remains stranded in a compound, despite my persistent requests for its return in every conversation. The confirmation of the claim amount is inexplicably delayed, as engineers still grapple with a decision after 40 days of evaluation.

After more than 20 years of dealing with various car insurance providers, AXA Insurance has proven to be the worst in terms of service, communication, and overall customer experience. I strongly caution others against insuring anything with this company based on my regrettable and ongoing ordeal.

Aistuke

Worse Company Ever

Still dealing with them now unfortunately. Had an accident 2 months ago, still nothing sorted. Was offered ridiculous offer which was way below market price. Didn't agree with the car evaluation. Was asked to send 3 examples of same car, which I did. Aperantly staff member mixed them up and send the wrong ones. Waited another 3 weeks with no updates. Called them to ask about update. Staff member were very rude. Now hire car expired, was left with no transport at all. No communication at all.

Swass
1

Customer Service

1

Value For Money

Awful Customer Service.

Do not reply to emails. Trying to understand if a person has made a claim or not, having answered all their questions and got no response. Telematics fitted and have made 2 errors, one which they admitted although had to get two emails off them to clarify and the final one has led to me cancelling the policy as they will not accept the evidence provided. Honestly stay clear!

Davidnm57
1

Customer Service

1

Value For Money

Axa Is The Most Unethical Company

AXA is the most unethical company I have ever dealt with. You would think after taking out a full cover health policy that you could rest assure you are covered. I was paying £80 per month for 2 years ( total nearly £2000 ) However when I become sick I was told there are no hospitals or services and they can only offer over the phone doctor service. Naturally Im fuming as they were in breach of the agreed contract.

Months passed as I went down their unprofessional rude fabricating complaints procedure, I was told “ If you are willing to wait until April 2022 and AXA make a profit we will refund your money”

After nearly a year of waiting I finally received the latter to say the profit works out to be £2 and that the £2 is too low to refund so they give it to charity ( AXA ) that letter is from the CEO .

Please check this companies reviews on Trust Pilot and Google , my legal battle just beginning please don’t end up in the same situation. Next step lodged complaint with Trading Standards and FTC.

gspataru
5

Customer Service

5

Value For Money

Great Service

I filed the claim with the neccesary documents and in less than 2 weeks i had the money in the account. It was a rental car I had an incident with, I paid there for the damege and then I got my money back from AXA.

downunderkelly
1

Customer Service

1

Value For Money

Don't...just Don't

I had car insurance which cost £260 that I had to cancel 2 months in. They charged me £57 administration fee even their own website says "A cancellation fee of £35 may be charged, and a refund due if you've paid your premium in full in advance." where did the £57 come from!!!

mohamadreza
1

Customer Service

1

Value For Money

Bad Customer Service And Passing The Buck From Person To Per

Anyone thinking getting a car insurance from AXA think twice and read some of the reviews. This company has got a bad reputation for customer service spending long time on the phone just to be able to speak to someone and eventually when you get there then they say its not related to them and give you another number. I don't see why customer has got to go through so much agro just to be able to resolve an insurance matter whether is a claim or simply reporting an accident or etc. I made a simple claim and after two years still not being resolved. so please people axa is not the right place to think for your car insurance.

Guest
1

Customer Service

1

Value For Money

Totally Inflexible

Loyal customer. Whilst they were happy to take my money to insure my old car. When I wanted to change it for something newer they would not change my insurance to my new car and issue me with a temporary covernote on my old vehicle to allow me to scrap it. My only option was to take out a new insurance policy on my new car which I chose to do. (obviously not with AXA.

I then had to pay Axa an additional premium {effective immediately} for removing my 20 Years NCB. So that I could use this on my new policy.

Then wait3/ 5 days to get a refund.

So in total I will have paid £262.19 for 6 months cover when my annual cost was £385.04. At no time did Axa inform me that due to the age of my car there would be problems trying to insure it. Totallay dissatisfied. Try the AA they are much more helpful.

Guest
1

Customer Service

1

Value For Money

Very Poor Service When You Have An Accident

Victim of an accident which happened in February 2017, it is now April and still not sorted. They unashamedly undervalued my car as a write-off and are basically forcing me to accept. I don't want to write off my car. I'm very disappointed so far with Axa I paid more to be with them because I thought they were the best company, But instead I feel bullied by them, they dont care about us the customer, they only care about looking after their own interest.

Also to add, they don't bother contacting you for anything, you have to do all the work. I have sent so many emails, made so many phone calls and been on hold for so many hours.

Very disappointing insurance company, if I had known, i would have saved my money and gone somewhere cheaper.

My case is still ongoing, I will update my review once case is closed.

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Q&A

Burnside1664

My daughter is with AXA. Two months left on her policy, her little Ford KA has failed its MOT, got her a replacement exact same spec but a year older.

Axa want to charge £125 to swap over the cover, outrageous rip off!

Is there anyway around this?

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