Is AXA Car Insurance any good or do they have one of the best logos in the space all for nothing? Read our review below to find out exactly what they have to offer, what their customers think of their service and how much that will all cost you.

AXA Car Insurance: Overall Review

AXA offers two tiers of comprehensive car insurance and the higher tier ('Plus') offers all of the 'must have' or 'should have' features (according to Money Advice Service)—although some do cost extra such as motor legal and breakdown. It even provides access to most 'could have' features (like a premium courtesy car add on and 90 days of the same cover in the EU). That means that AXA Plus is one of the more robust car insurance offerings you can get in the UK, when it comes to features.

Their standard plan (not 'Plus') is less robust, but still offers a pretty good set of features. You will need to buy courtesy car cover for £9.99 if you want that, but it only covers repairs not total loss or theft. And there's no premium courtesy car option with that tier. However, their regular courtesy car coverage provides a vehicle with a 'similar size and transmission' to your car. They also promise that it will have as many doors and seats as your car (max. 7 seats). But no, you won't be getting anything premium for a courtesy car.

And the standard level doesn't cover loss or damage to keys either.

The cancellation fees after the 14-day cooling off period are slightly higher than would be ideal and they charge you for any mid-term changes made to the plan if you call in—changes you make online, however, are fee-free!

Our slight niggle is the few question marks we've seen around AXA's customer service. Their FOS complaint ratio is fairly high and we've found people on reviews.co.uk complaining about their poor customer service. But the comments on Trustpilot are overwhelmingly positive (including some positive comments related to claims) so long as you understand what is covered (best done by reading the policy wording) and you're happy with that, you're unlikely to have any negative surprises down the road because they do need to abide by the policy wording.

Take a look below to get better insight on what AXA provides their customers.

AXA Car Insurance Features

Below you can take a look for yourself at AXA's comprehensive car insurance coverage.

How Good is AXA Car Insurance?	A Good Policy Includes	Does AXA Deliver?	AXA Comprehensive Coverage	Does AXA PLUS Deliver?	AXA PLUS Comprehensive Coverage
"Must Have" Features
Windscreen	Full repair or replacement		Included		Included
Belongings	£200+		Included (up to £150 any one incident)		Included (up to £1,500 any one incident)
Keys	£300+		Not included		Included for loss or damage
Protected NCD	2 times in 3 years (standard or optional extra)		If you buy the add on		If you buy the add on
Car recovery after accident	Included		Included		Included
Courtesy car (repairs)	Minimum 14 days		If you buy the add on for £9.99 (up to 14 days)		Included
Repairs guaranteed (if use approved repairer)	12-month guarantee		Guaranteed throughout the time you own your car		Guaranteed throughout the time you own your car
"Should Have" Features
New car replacement	Theft or damage at least 60% of list price; cars up to 12 months old; first owner		Included		Included
Stereo and satellite nav	Market value for manufacturer fitted		Up to £1,000 for loss or damage to permanently-fitted audio equipment		Up to £1,000 for loss or damage to permanently-fitted audio equipment (unlimited if fitted by the manufacturer or their approved dealer)
Alternative transport & Hotel after accident	£250+		If you buy the add on		If you buy the add on
24-hour emergency helpline	Standard		24 hour claims lines		24 hour claims lines
Courtesy car (total loss or theft)	Standard or add-on extra		Not available		Included (up to 14 days)
Motor legal expenses	Standard or add-on extra		If you buy the add on		If you buy the add on
Breakdown cover	Standard or add-on extra		If you buy the add on		If you buy the add on
"Could Have" Features
Same cover in EU	Standard or add-on extra		Up to 90 days		Up to 90 days
Child car seat replacement after accident, theft, fire	Ideally replaced even if no visible damage		Up to £300 per car seat		Up to £300 per car seat
Larger/premium courtesy car	Standard or add-on extra		Not available		If you buy the add on
Uninsured driver NCD protection	Standard		Included		Included
Cancellation fee	No more than £50		£0 cancellation fee during cooling off period if cover has not started; otherwise £52.50		£0 cancellation fee during cooling off period if cover has not started; otherwise £52.50

AXA Motorcycle Insurance

Having trouble renewing your AXA-underwritten motorcycle insurance policy? That's because AXA exited the motorcycle insurance market in the UK as of March 2024. If you need a replacement policy, please click below to compare quotes:

AXA Car Insurance: Customer Reviews and Ratings

AXA's Trustpilot rating is fairly high at 4.3 out of 5 stars, with 71% of their reviews giving an 'Excellent' 5 out of 5 rating (an improvement from last year!).

Here is a selection of comments:

"So easy to contact. No waiting in queue to be connected. Friendly voice on the end of the line."

"Fair and reasonable price. Site clear and transparent. Hoping the renewal next year reflects loyalty."

"So after a my first crash, it was a nervous phone call I was making, however my fears were unnecessary, the lady who took the call could not have been more lovely, it was only afterwards that she informed me it was her first call. Both her trainers and herself should be really proud, I xould have been treated better ... thank you so much"

"There was a long waiting time on a couple of calls I made earlier but when I did get through early in the morning I found the assistant very charming and helpful. She was very careful to check everything and made a real effort to solve my problem."

Their reviews.co.uk rating is, conversely, quite disappointing—only 38% of reviewers recommending AXA. One angry reviews.co.uk user said:

"We are still stuck at the side of the road 33 hours after reporting our breakdown to axa. Phone calls not returned, Axa suck."

The relatively high FOS complaint ratio would also suggest that maybe customer service has been a weak spot (for reference, the large companies with the lowest ratios were Ageas at 0.92 and LV= at 1.74).

Cancellation Fees

You might want to cancel your insurance plan at any time. If you want to cancel during your cooling off period, AXA will refund you proportionate to how long you have been covered (unless, of course, you've made a claim or had an accident that could lead to a claim).

Once that cooling off period has finished you will be charged £52.50—which is higher than other cancellation fees in the UK car insurance market. You'll also receive pro rata amount of the premium back, again so long as you haven't claimed or been in an accident that could lead to a claim.

Any mid-term changes cost you an admin fee of £10. Some other companies offer this for free, especially if the change can be made by the policyholder via an online portal, without needing to contact customer service over the phone.

How Much Does AXA Car Insurance Cost?

Below you can see we were quoted a monthly rate of £51.93, with a £103.90 deposit. This will result in a total amount of £623.20. You save £77.49 by opting to pay your entire insurance in one single payment of £545.71.

You can also see the prices of their add-ons such as the courtesy car add-on and how much it'll cost you to protect your no claims discount.

We got this quote for our sample profile of a 22-year-old with no previous or outstanding convictions and 4 years no claims, driving a 2008 Ford Fiesta. Prices will vary, please ensure to get your own quotes.

Phone Numbers and Policy Documents

Most of AXA's phone numbers are live Monday to Friday between 8am-8pm, Saturday 9am-5pm, Sunday 9am-3pm and Bank Holidays 9am-3pm. This is with the exception of their claims numbers that are closed on Sundays.

Here are the phone numbers to contact for AXA car insurance:

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.

How Does AXA Compare?

Responding to reader requests, the team at NimbleFins has put together some direct car insurance comparisons, considering features, prices, customer service and more. These are particularly useful for motorists trying to decide between two competing quotes. Use these guides that compare AXA to other top brands to help you understand which might provide the better product for your needs.

Other Car Insurance Reviews

If you'd like to compare AXA to other car insurance companies, see some of our other car insurance reviews below: