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Admiral and Aviva are two of the largest car insurance companies in the UK. Both come with many 'must-have' features, but both policies thrive in different areas. The team at NimbleFins has compared each company's car insurance offering to help readers trying to decide which might be the superior product for their needs.
Quick Overview: Admiral vs. AXA insurance
Each company offers a different set of features, which can make it difficult to decide which is best for you. We will recap some of the best features of each, as well as what's missing. For us, where they differ the most is on their EU cover and belongings cover. Read below for more details
What we like about Admiral
Admiral, rated 4 out of 5 stars by our editors, is superior to AXA for the following notable reasons:
- EU Cover (up to 90 days included as standard)
- New Car Replacement
- Cancellation Fee
What we like about AXA
AXA, rated 4.5 stars by our editors, provides superior coverage for the following features:
- Courtesy Car
Here's a quick, high level comparison of how Admiral and AXA compare on cost, features, customer service access and customer ratings.
|Car Insurance Comparison||Admiral||AXA|
|Cheaper for our sample driver||More expensive for our sample driver|
Customer Service Access
|Webchat and phones lines open 7 days a week, including bank holidays||Phones lines open 7 days a week, with webchat only open Monday - Friday|
|Read NimbleFins' Admiral Review||Read NimbleFins' AXA Review|
|Get Admiral Quotes||Get AXA Quotes|
Admiral vs AXA Overall Review
When comparing Admiral and AXA car insurance, there are a few key areas where they differ.
Most notably for us, is the EU cover that Admiral provides as standard. For up to 90 days, you can enjoy cover in the EU as you do back home. AXA provides a similar service but requires an additional premium.
Other places they vary are with belongings and key coverage. With AXA edging out Admiral due to higher amounts of damage being covered.
Admiral win with their new car replacement feature, requiring the cost of repair to be 1% less than AXA. It also seems they provide better child car seat cover and lower cancellation fees, although they charge fairly high admin and mid-term change fees.
It must be noted that both Admiral and AXA fail to deliver a premium courtesy car feature. If this is a must-have, these insurance providers may not be for you.
In the table below, you'll find more details on what each insurance policy provides under the 'must have', 'should have' and 'could have' feature categories outlined by Money Advice Service. To make things easier for you, we have bolded which coverage we see as the best of the two.
|How Do They Compare?||Admiral Comprehensive Coverage||AXA Comprehensive Coverage|
"Must Have" Features
|Yes, if you use an Admiral glass helpline. If not, they will pay £25 for each glass repair and/or £50 for each glass replacement||Included|
|Belongings||Up to £150||Included (up to £300 any one incident)|
|Up to £300, as long as not lost/stolen from your vehicle||Included for theft, loss of or damage to car keys (up to £2,500)|
|Yes, if you are eligible||If you buy the add on|
Car recovery after accident
|Car delivered to Approved Repairer, your home or safe storage within 30 miles||Included (further than 1 mile from your home)|
|Courtesy car (repairs)||Included, if you use an approved repairer||Included (up to 14 days)|
Repairs guaranteed (if use approved repairer)
"Should Have" Features
New car replacement
|Theft or if cost to repair more than 59% of list price; cars up to 12 months old||If the cost of repairing will be more than 60% of the manufacturer's last UK list price (inc. taxes); vehicle must be less than 1 year old; you must be the first and only registered keeper and legal owner|
|Stereo and satellite nav||Equipment fitted by the manufacturer is covered in full. For 'aftermarket' equipment up to £1,250 or market value of your car, whichever is the lower||Permanently fitted equipment cover up to £1,000 (unless equipment is fitted by the manufacturer of your car or their approved dealer then cover is unlimited)|
|Alternative transport & Hotel after accident||If you buy the add on, up to £50 per person (maximum £150) for travel. Up to £200 for overnight accommodation, if you are 25 miles away from your home||Nationwide recovery (driver + 6 passengers) back to home address or to your destination. OR overnight accommodation (b&b for one night in a 4 star hotel)|
|24-hour emergency helpline||Included||Included|
|Courtesy car (total loss or theft)||Not included||If you buy the add on|
|Motor legal expenses||If you buy the add on||If you buy the add on|
|Breakdown cover||Must buy 'Platinum' coverage||If you buy the add on|
"Could Have" Features
Same cover in EU
|Up to 90 days||If you pay an extra premium|
|Child car seat replacement after accident, theft, fire||Included||Up to £300 per child seat|
|Larger/premium courtesy car||Not available||Not available|
No fault NCD protection
|Included (if Admiral have recovered their money in full)||Included|
|Uninsured driver NCD protection||Included||Included|
|Full refund during 14 days of receiving your welcome documents. If cancelled after that, you will be charged for the number of days you have been covered, plus an admin fee||£52.50 + admin fee after cooling off period; during 14-day cooling off period, proportionate refund and £10 for any change or correction to your policy.|
What we don't like about Admrial
Admiral lacks coverage for the following features:
- Premium Courtesy Car
- Courtesy Car (theft or loss)
- Cheaper Breakdown Cover
What we don't like about AXA
AXA provides worse coverage for the following features:
- Premium Courtesy Car
- Child Seat
- Cheaper Cancellation Fees
Admiral vs AXA Cost Comparison
As much as the features an insurance policy offers is important, we all know money is the most important factor when deciding — if you can't afford it you can't consider it.
In this case, it appears Admiral is the cheaper of the two options and even requires a lower upfront cost if you go with monthly payments.
However, as we always say, quotes are very case sensitive and you must get your own quotes before making any decisions.
|Admiral Comprehensive||£543.20||£48.60 (11 payments, £48.73 deposit)|
|Admiral Third Party, Fire and Theft||£424.48||£37.98 (11 payments, £38.05 deposit)|
|AXA Comprehensive||£782.13||£74.24 (10 payments, £148 deposit)|
|AXA Protected NCD||£58.35||£5.54|
|AXA Motor Legal||£29.99||£2.85|
|AXA Breakdown Cover||£19.99||£1.90|
|AXA Courtesy Car Upgrade||£24.99||£2.37|
Admiral vs AXA Reviews and Ratings Compared
Looking at customer ratings can always help gauge what real customers think of an insurance provider's service.
The ratings below show that Admiral has a significantly lower Trustpilot score than AXA. But a slightly higher review.co.uk score. However, the Trustpilot reviews have significantly more reviews (almost 18,000 compared to just over 2,000) so these scores may be more reliable.
That being said, AXA have one of the highest FOS complaint ratios. Whereas, Admiral have a comparably low ratio. This combined with Admiral having only 5 star policies could suggest that they provide better customer service than AXA.
|Review Site||Admiral Ratings||AXA Ratings|
|Trustpilot||3.3 out of 5||4.3 out of 5|
|reviews.co.uk customer service rating||2.87 out of 5||2.54 out of 5|
|FOS Complaint Ratio||2.34||4.73|
|Defaqto||5 star policies||3, 4 & 5 star policies|
Admiral vs AXA Cancellation Fees Compared
At a glance, it looks like Admiral provider the best cancellation fees with both their cooling off and after cooling off cancellation fees being lower.
However, their mid-term admin can run you £65 — the highest we've seen here at NimbleFins. If you think there is a chance of you making a mid-term change, you may want to avoid Admiral.
|When Are You Cancelling||Admiral||AXA|
|During cooling off||Full refund||Proportionate refund based on time covered thus far + admin fee|
|After cooling off period||Charged for the number of days you have been covered, plus an admin fee||£52.50 + admin fee|
|Mid-term admin changes||£9.50 to £65||£10 for any change or correction|
Important Phone Numbers
We all hope we'll never need to call our insurance provider because it usually means something bad has happened. But when the time does come, you want them to be open.
Both insurance providers' customer service lines are open for similar times Monday through till Sunday and on bank holidays. However, Admiral have better Webchat opening times, due to AXA being closed on Saturday and Sundays.
|Customer Service (Mon-Fri)||8am-7pm||8am - 8pm|
|Customer Service (Sat)||9am-5pm||9am-5pm|
|Customer Service (Sun)||9:30am-4pm||9am - 3pm|
|Customer Service (Bank Holiday)||9:30am-4pm||9am - 3pm|
Admiral Contact Numbers
|Admiral Contact Numbers|
|Customer Service (UK)||0333 220 2000|
|Renewals||0333 222 6715|
|Claims (in UK)||0333 220 2033|
|24 Hour Helplines|
|Windscreen Claims||0333 220 2025|
|Accident recovery||0800 600 840|
AXA Contact Numbers
|AXA Contact Numbers|
|Customer Service (UK)||0330 024 1158|
|Customer Service (NI)||0289 002 0104|
|Claims (in UK)||0330 024 1305|
|Claims (claims outside UK)||+44 (0) 1217 520 685|
|Windscreen Claims||0330 024 1306|
|Get a Quote||0333 241 3545|
|24 Hour Helplines|
|Accident recovery||0330 024 1305|
More information about Admiral car insurance policies can be found by reading their policy documents.
To read about the full details of an AXA policy, including what's covered and exclusions, read through the AXA's car insurance policy documents here.