Car Insurance FAQ

0845 351 3400

Car Insurance Frequently Asked Questions

This FAQ has been created to answer most of your queries on our car insurance policy.
Should you not find the answer you're looking for, feel free to contact us on 0845 351 3400.

The easiest way is to ring us on 0845 828 2823. We will handle everything and try to make things as painless as possible.


Contact us and we will handle everything. Do not reply to any correspondence – instead, pass it on to us.


If you use an AXA approved repairer, your car will be repaired (with a 3 year guarantee on parts) in the fastest possible time and, in the meantime, we will provide you with a replacement car for a maximum of 7 days.


Yes, but we would only do so if absolutely necessary.


We will give you the market value of your car (less the policy excess) unless you have previously purchased depreciation cover.


If you have comprehensive or third party fire & theft car insurance cover and your car was bought new, is less than 12 months old and the cost of repairs is more than 60% of the replacement cost, we will pay for a new identical model.


If you claim for accidental damage to your car, you have to pay the first portion of any claim. The amount you pay is called an excess. Please check your policy schedule to find out the amount of your excess.


You can earn up to 75%(5 years) no-claims discount. If you make a claim however we will reduce the discount that last applied to your premium at the next renewal.


Yes, you can protect your no claims discount for a small extra charge, provided you have earned 5 or more years claims free driving.


  • The following claims will not affect your no claims discount;
  • Fire
  • Theft (or attempted theft)
  • Windscreen/glass breakage
  • Loss/damage to personal effects
  • Replacement locks

You must tell us and the Police. As long as you have theft cover, we will give you the market value of your car if it is not recovered.


If your car breaks down or just won’t start, one phone call to our Motor Breakdown Assistance centre will put things right. We’ll send a mechanic to help you. If things can’t be fixed on the spot, we will tow your car to a repairer and, if needs be, help you to complete your journey.


If you have bought Motor Breakdown Assistance, we can help you. We will pay for one hours labour to get into your vehicle.


If you have comprehensive or third party, fire & theft cover and your keys were taken from your home by burglars, we will pay up to £500 to get new keys or an alarm remote control made up. Otherwise your policy does not cover you.


Your policy will cover your journey to and from work. If you use it in connection with your work, please contact us to make sure you are protected.


No. Loss or damage caused by theft or attempted theft if the keys (or keyless entry system) are left unsecured or left in or on an unattended car is not covered.


Policy holders (aged over 21 years and with a full licence) may have automatic third party cover to drive someone else’s car. The easiest way to see if you are covered is to check your certificate of insurance, or contact us.


Your certificate of insurance will state who is entitled to drive your vehicle. If you are unsure please contact us.


If you are not happy with the service we give you, contact your branch. If you are still unhappy, contact our customer care team on 0800 039 1970


You are not covered for wear and tear, routine mechanical faults, loss in value, punctures or tyre damage and parking, speeding fines and so on.


 

Comprehensive

Third Party
Fire and Theft

Accidental damage caused by you or others

Yes

Malicious damage or vandalism

Yes Yes

Damage by fire or theft.
(fire and theft claims will not reduce your no claims discount)

Yes Yes

We will also pay any claims or expenses arising from legal action brought against you following a road accident.
There is no limit on the amount of personal injury claim settlements we pay on your behalf.
If you damage someone else’s property, there is a limit of £20 million.

Yes Yes

Windscreen repair or replacement cover

Yes

Car stereo cover

Yes

Glass cover is automatic if you have comprehensive car insurance. You have to add it to a Third Party or Third Party Fire and Theft policy for an additional premium.

We will pay to repair or replace damaged or broken windscreens, sun roofs or other window glass on your car.

If a claim is made for glass breakage you will pay the first £60 of replacement costs. This excess will not be payable by you if the glass is repaired and not replaced. If you choose to use the services of any repairer other than an AXA approved repairer, the maximum AXA direct will pay is £150 from which a £60 excess is payable. Claims will not affect your no claims discount.


The Insured is covered for reasonable legal fees and disbursements incurred to purse damages claims arising from a road traffic accident whilst he is in the Vehicle against those whose negligence has caused his injury or death or caused him to suffer loss of his insurance policy excess or other out of pocket expenses. A claim under this section will not affect you no claims discount.


Yes. If you cancel within 14 days of buying, we will refund part of your premium (less an administration charge) provided you have not had any claims.

It is important that you know that if you cancel after 14 days in the first year of cover, you will not get a proportionate return of your premium. For example, if you cancelled your policy after 6 months, you would only get 35% of your premium back. And after 9 months, you would not get any refund at all.

However, if you cancel in your second or subsequent year, we will give you a proportionate refund (for example, cancellation after 6 months would see a refund of 50% of your premium).

We can only cancel cover when we receive the insurance certificate.


Two options:

You bought your policy online from June 2008:
It couldn’t be easier. Just log onto "My AXA" and follow the simple steps. We can handle changes of car, driver, address and a host of other routine alterations there and then. If something falls outside of these changes just contact us online or phone us at 0845 351 3400

You bought your policy online before June 2008 or got it in a branch or on the phone:
Simply call 0800 28 28 22 and get the changes made by our customer service. Unfortunately you cannot manage your policy on-line at present but we are working on it. We'll keep you informed.


To ensure that you receive e mails from AXA.ie you may need to review your email settings for spam blockers. We have compiled some guidance on how to do this for the major commercial UK email providers. Please follow the instructions below:,
If you have a separate spam-filtering software program installed on your computer then you will need to add AXA.ie to any filters or whitelists which are specified within your particular program.

Gmail
- Open your Gmail account
- Click on the ‘Settings’ link in the top right hand corner of the page
- Click on ‘Filters’ and then on ‘Create a new filter’
- Type in @AXA.ie in the ‘from’ text box and click ‘Next Step’.
- Select ‘Never send it to spam’ and click ‘Create filter’.

Yahoo Mail / BT Internet
- Open your Yahoo! / BT Internet Mailbox
- Click on ‘Options’ (on the top right hand side of the screen)
- Click on ‘Filters’
- Click on ‘Add’. From here enter AXA as the name for the filter. In the ‘From Header’ make sure ‘this contains’ is selected on the drop down menu. Click on the text box next to this and enter @AXA.ie.
- At the bottom of the screen you will be given the option: ‘Move the Message to’. Select ‘Inbox’ from the drop down menu and then click ‘Add Filter’.

Orange / Wanadoo / FSmail
- Open your email account
- Click on ‘Antispam’
- Click on ‘My Approved List’
- Type @axa.ie in the available text box and click ‘Add’

Hotmail
- Open your Hotmail account
- Click on the ‘Options’ link in the top right hand corner of the page
- Click on ‘Contacts’ and then on ‘Safe List’
- Type in @AXA.ie in the available text box and click ‘Add’.

Virgin.net
- Open your Virgin.net account
- Click on ‘Options’
- Beneath the heading ‘Filters’, click on ‘Add’. You will then be taken to the ‘Add Filters Page’
- Enter AXA as the ‘Filter Name’
- Enter ‘From’ in the Criteria: Search Field
- Enter @axa.ie under keywords
- Select ‘From’ contains @axa.ie under Options
- Click on ‘Add Criteria’

AOL
- Open your AOL email account
- Click on ‘Settings’
- Click on ‘Spam Controls’
- Click on ‘Control from whom I get Email’ link under Additional Spam Filters
- Click on ‘Custom sender list’
- Type @AXA.ie in the available text box and click Add
- Click on ‘Save’ on the following two pages

NTL
Unfortunately it is not possible to override NTL’s automatic spam filtering mechanism. The best option we can suggest is to set up a spam folder and review its contents regularly. This would be done as follows:
- Open your NTL email account
- Click on the ‘Options’ link on the left of the page
- Click on ‘Spam’
- Click on ‘Send to Webmail Spam folder for 7 days’ and click ‘OK’

This will send any suspected spam into the folder called ‘Spam’. You should then regularly check this folder to see if AXA.ie has been wrongly identified as spam. If it has then put a tick against AXA.ie and click on the ‘Move to Folder’ drop down list and select ‘Inbox’.


You can send your proof documents required in your My AXA account to:

The Internet Team
AXA Insurance Limited
Springtown Business Park
Derry, Co. Londonderry
BT48 0GY