Car Insurance summary

Car Insurance: First things first

Our car insurance provides two levels of cover to choose from:

Comprehensive

This offers cover for:

- Injury to other people
- Damage to other people’s property
- Damage to your car and its accessories caused by accident, fire and theft
- Windscreen/Glass breakage

Third party fire and theft

This will cover for all the above except for glass breakage, which you can add to your policy as an additional extra.

Why choose AXA for your online car insurance

Get your car insurance quote online in less than a minute 24/7

AXA have simplified the online car insurance quote process, while still providing accurate quotes. Just 12 questions will get you a full quote.

Using our speedy car registration checker, we can find the make and model of your car immediatly, providing you with an accurate car insurance quote in less than 60 seconds.

Get covered from the moment you purchase online

Happy with your car insurance quote ? Simply click on "Buy Now" and follow the easy steps online to buy your policy.

We offer two payment methods: pay by installments or pay in full with Laser, Visa, Mastercard or American Express.
Once you have confirmed your details and purchased your car insurance policy, you are covered to drive immediately.

Need to make changes to your quote or policy ?

By saving your car insurance quote , you will create your own My AXA Account. Using this, you can review and amend your quotes without having to re-enter your details.

AXA are one of the few online insurers to offer our internet customers the facility to service their policies online themselves. But don't forget our dedicated internet team are there to support you and answer any queries you may have.

Already a customer ? With your own secure My AXA Account, you can make changes to your policy yourself online, anytime.

Great savings with online car insurance at AXA

We think safe drivers deserve great value car insurance so with 75% off your premium for 5 years or more claim free driving, you get a substantial saving on your car insurance.

You will also get 15% online discount simply because you choose to buy online.

Second to none claims service

When it comes to claims, we understand it is essential that you get expert claims service as quickly as possible.

We provide a 24/7 claims dedicated phone line and our AXA Assistance motor breakdown network is just a phone call away. And with our panel of Approved Repairers and the AXA Repair centre, we will have you back on the road in no time.

Car Insurance benefits

Features and benefits	Type of policy		Significant or unusual limits and exclusions
Features and benefits	Comprehensive	Third party fire and theft	Significant or unusual limits and exclusions
We will pay for loss of or damage to your car and its accessories and spare parts while they are in or on the car.			We will not cover any reduction in the market value of your car because it has had to be repaired. We will not cover mechanical or electrical breakdowns. We will not cover loss or damage arising from putting the wrong fuel or lubricant into your engine. Your excess (the first part of a claim you must pay) is shown on your schedule.
We will cover Personal Belongings up to £250 and Replacement locks up to £500.
We will cover loss of or damage to your car, including glass breakage, by fire or theft. You will not pay an excess if you make a claim for fire or theft and it will not affect your no-claims discount.			We will not cover 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.
We will replace your car with a new model if you make a claim.			Your car must be less than a year old and have damage that costs more than 50% of its value to repair.
A maximum limit of £350 will operate for all fees connected with towage and storage only if you notify us of any accident or loss within 48 hours.
You can reduce your compulsory policy excess by £100 if you use an AXA garage.
We will pay for a broken or damaged windscreen, windows or sunroof glass in your car and scratching of the bodywork caused by them breaking. If this is the only damage you claim for, your no claim discount will not be affected.			Glass cover will be limited to £150 when our approved supplier is not used. A £60 excess will also apply.
The policy applies while your car is towing a caravan or trailer.			We will not cover loss of or damage to the towed caravan or trailer.
We will provide cover for your legal liability for accidental death or injury to other people as a result of using your car. Cover is unlimited.
We will cover legal liability for damage to other people’s property due to an accident as a result of using your car.			We will not pay more than £20 million.
We will cover you while driving other cars you do not own or have not hired under a hire-purchase agreement.			There are some exceptions where this does not apply, please see your certificate and schedule.
You have cover to drive in the European Union and European Union-approved countries.			Full policy cover applies for up to 90 days during the period of insurance. The minimum cover you need in these countries applies while the policy is in force.
You can earn up to 75% no-claims discount.			You may lose this discount if you make a claim.
You have a ‘step back’ facility if you are earning 62.5%, 70% or 75% no-claims discount. This means that you will only lose part of your discount if someone makes a claim against you.			The ‘step back’ no-claims discount facility will not apply if you are convicted of dangerous driving or a drink-driving or drugs offence under road traffic laws following an accident.

Other things you should know about our car insurance

How long the policy lasts Your policy will run for 12 months from the date and time shown in the schedule. If we agree to provide cover for less than 12 months, the schedule will show when your policy ends.
Cooling-off period If you are unhappy with your new policy, you can cancel within 14 days by giving notice in writing and returning the certificate of insurance to us. We will work out the premium for the period we have been insuring you on a pro rata basis plus an administration charge and refund the balance providing no claims have been made on your policy.

You will be charged a pro rata premium or £25 whichever is more for the period you were on risk and this will be deducted from the full premium paid to determine the refund due to you.
Cancelling your policy in the first year If you cancel at any other time during the first year of insurance, we will work out the premium after an administration fee has been taken away for the period you were insured based on our short period rates as see in the policy summary. If you have made a claim or there has been an incident likely to give rise to a claim, we will not give any refund.

The premium does not include the charge for motor rescue or the premium for injury to driver cover and we will not provide a refund for these optional items when you cancel your policy.
Cancelling your policy at any other time In the second and any future years, once you return the certificate and disc of insurance and you have not claimed or there is no incident that is likely to result in a claim during the current period of insurance, we will return the premium after an administration fee has been taken away for the period of insurance still left to run. We will not refund your premium for optional extras such as injury to driver.
Our rights to cancel If we have to cancel your policy, we will send you 7 days’ notice by registered letter to your last known address. As long as you return the certificate and disc of insurance to us, we will return the premium for the period of insurance still left to run.
Your premium Although you may be able to protect your no-claims discount, your premium may increase if you make claims or you receive motoring convictions.
The law and language of the contract Both you and we can choose the law within the European Union which applies to the contract. We propose that English law will apply. The language used in this policy and in communications relating to it will be English.
Terms and conditions s and conditions As with all insurance contracts, certain terms and conditions will apply. We will be happy to discuss your insurance needs either by phone or at your local branch.