AXA Car Insurance: The Best Option for You?

AXA Car Insurance: The Best Option for You?

Great coverage for almost everything you could want (although a few features cost extra) and a good Trustpilot rating makes AXA car insurance one of the best overall providers you can find in the UK.

Good for

  • Cover for most (if not all) features you would want
  • Good Trustpilot rating
  • Impressive courtesy car cover

Bad for

  • Cancellation fees and admin fees fairly high
  • No premium courtesy car feature
  • Bad FOS complaint ratio

Editor's Rating


The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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's comprehensive car insurance is—as the name suggests—comprehensive. As it delivers every 'must have' and 'should have' feature (according to Money Advice Service)—although some do cost extra such as motor legal and breakdown. It even provides access to all but one 'could have' features (premium courtesy car). That means that AXA is one of the more robust car insurance offerings you can get in the UK, when it comes to features.

The only feature they fail to deliver on is the 'larger/premium courtesy car' feature. This may be a disappointment to some. 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 yes, you won't be getting a Rolls Royce as a courtesy car.

The cancellation fees after the 14-day cooling off period are slightly higher than would be ideal and, unfortunately, they charge you for any mid-term changes made to the plan. This is one of the biggest flaws with the cover AXA provide.

A few question marks are raised around AXA's customer service. Their FOS complaint ratio is fairly high and we've found people on complaining about their poor customer service. This is something to bear in mind before purchasing AXA car insurance.

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 IncludesDoes AXA Deliver?AXA Comprehensive Coverage
"Must Have" Features
WindscreenFull repair or replacement
thumbs up
thumbs up
Included (up to £300 any one incident)
thumbs up
Included for theft, loss of or damage to car keys (up to £2,500)
Protected NCD2 times in 3 years (standard or optional extra)
thumbs up add on
If you buy the add on
Car recovery after accidentIncluded
thumbs up
Included (further than 1 mile from your home)
Courtesy car (repairs)Minimum 14 days
thumbs up
Included (up to 14 days)
Repairs guaranteed (if use approved repairer)12-month guarantee
thumbs up
"Should Have" Features
New car replacementTheft or damage at least 60% of list price; cars up to 12 months old; first owner
thumbs up
If cost of repairing will be more than 60% of manufacturers 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 navMarket value for manufacture fitted
thumbs up
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£250+
thumbs up
Nation wide 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 helplineStandard
thumbs up
Courtesy car (total loss or theft)Standard or add-on extra
thumbs up add on
If you pay additional premium, up to 21 days
Motor legal expensesStandard or add-on extra
thumbs up add on
If you buy the add on
Breakdown coverStandard or add-on extra
thumbs up add on
If you buy the add on
"Could Have" Features
Same cover in EUStandard or add-on extra
thumbs up add on
If you pay an extra premium
Child car seat replacement after accident, theft, fireIdeally replaced even if no visible damage
thumbs up
Larger/premium courtesy carStandard or add-on extra
red x
Not available
No fault NCD protectionStandard
thumbs up
Uninsured driver NCD protectionStandard
thumbs up
Cancellation feeNo more than £50
thumbs up
during 14-day cooling off period, proportionate refund but no cancellation admin fee; £52.50 admin fee and pro rata premium refund after cooling off period; £10 for any change or correction to your policy.

AXA Car Insurance: Customer Reviews and Ratings

AXA's Trustpilot rating is fairly high at 4.3 out of 5 stars, with 63% of their reviews giving an 'excellent' 5 out of 5 rating.

Their rating is, conversely, quite disappointing—only 39% of reviewers recommending AXA. One angry 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 high FOS complaint ratio would also suggest that maybe customer service is their weak spot. Despite this, AXA have been rewarded 4 & 5 stars from Defaqto for their coverage in most of the UK. Only falling to 3 stars in Northern Ireland.

Review SiteAXA Ratings
Trustpilot4.3 out of 5 customer service rating2.54 out of 5
FOS Complaint Ratio4.73
AXA Direct Car Insurance5 stars
AXA Insurance Car Insurance & Car Plus4 stars
AXA Car Insurance & Drivesave (NI Only)3 stars

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.

When Are You CancellingAXA's Fee
During cooling off periodNo admin fee (proportionate refund based on time covered thus far)
After cooling off period£52.50 (proportionate refund based on time covered thus far)
Mid-term admin changes£10 for any change or correction
Admin Fee£10

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.

Costs of AXA's cover
AXA Comprehensive (Single Payment)£545.71
AXA Comprehensive (Monthly Payment)£51.93 (£103.90 deposit)
Motor Legal (Annual Payment)£29.99
Breakdown Coverage (Annual)From £19.99
Courtesy Car (Annual)£14.99
Protected NCD (Annual)£64.33
Personal Injury (Annual)£19.99

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.

  • Monday to Friday: 8am - 8pm
  • Saturday: 9am - 5pm
  • Sunday: 9am - 3pm
  • Bank Holidays: 9am - 3pm

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

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 Claims0330 024 1306
Get a Quote0333 241 3545
24 Hour Helplines
Accident recovery0330 024 1305

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:

Ryan S. Gladwin

Ryan S. Gladwin is an Essex-based writer with a passion for teaching others what he has learnt. While studying for his Multimedia Journalism degree he realised that writing about the things he loved (music, culture and finance) was what he wanted to do as a career.

Since graduating he has written for publications such as Insider, Dummy,, and more. Now he also writes for NimbleFins, where he aims to help people financially empower themselves. Find more about him on his website here or on LinkedIn.


The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Motor Insurance Reviews

NimbleFins Newsletter

Get deals, tips, news, and more!