AXA Car Insurance Review [2024]

AXA Car Insurance Review

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.

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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

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

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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.

Read more: Does car insurance cover lost car keys?

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.