Car insurance NI

Car insurance NI FAQs

Find answers to frequently asked questions about car insurance in Northern Ireland.

• Can I get a Car Insurance quote if I don’t have a car registration number yet?

  If you're shopping around for a car, and don't know the exact registration number, you can still get an estimated Car Insurance quote by entering the make and model of the car you're looking at.

  Once you've bought the car and have the registration number, we'll be able to give you an accurate price and you can choose to go ahead with the insurance.

  Any quote you get will be based on an agreed set of assumptions.

• What is car and key rescue?

  Car Rescue

  Car rescue will cover you when your car breaks down. We will arrange roadside assistance, towing and help you to complete the journey if the repairs cannot be completed on the same day. You can contact our 24-hour car rescue line on 03458 282 823 or 00353 1 858 3200 from ROI when outside the UK.

  Car rescue is an optional extra and an additional charge will apply if you want to buy this cover. Terms and conditions apply.

  Key Rescue

  Key rescue provides up to £1,500.00 (inc. VAT) towards lock and key replacement (including reprogramming of alarms and immobilisers) and costs of transportation in the event of lost or stolen keys or keys broken in any lock of your car. We will also cover up to £40.00 (inc. VAT) per day for up to 3 days for car hire if you are stranded more than 20 miles away from home or alternatively we will cover reasonable public transport or taxi fares for you and up to 4 passengers.

  Key rescue is an optional extra and an additional charge will apply if you want to buy this cover. Terms and conditions apply.

  Your Schedule will show if you have this cover. You can view this document through your MyAXA account. To register for MyAXA, please visit here.

• I am thinking about buying a second car - will I be able to use my no claims discount again?

  Unfortunately, you can't use your no claims discount twice.

  However, if you are the only driver on both policies, you may be eligible for an introductory discount on your second car.

  Get a Car Insurance quote for your second car or give us a call on 02890 020104 if you need to speak to one of the team.

  You'll find more information on our Car Insurance page.

• What is open driving?

  Open driving covers any driver aged between 25-70 with a full UK, Irish, EU licence to drive your car with your permission.

  Open driving is an optional extra and an additional charge will apply.

  Terms and conditions apply.

  Your Schedule will show if you have this cover which you can view and download from the My Documents section of your MyAXA Account.

• What does windscreen cover provide?

  Windscreen (or glass) cover means we will pay the cost of repairing or replacing cracked, broken or damaged windscreens or windows in your car.

  We'll also cover any scratches to the body work as a result of broken glass.

  Your schedule will show if you have this cover which you can find in your MyAXA Account.

  If you have a glass breakage and wish to make a claim, you can complete our claims form or call us on 03458 28 28 23 .

  All claims must be verified prior to any repair or replacement work being carried out.

  Terms & Conditions apply. Damaged or broken glass in sunroofs, panoramic glass roofs and mirrors is not covered. Glass claims will not affect your no claims discount.

  You'll find more information on glass cover in your policy document.

• What's the difference between Comprehensive and Third Party, Fire and Theft cover?

  Comprehensive covers:

  1. Damage by fire or theft
  2. 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.
  3. Accidental damage caused by you or others
  4. Malicious damage or vandalism
  5. Windscreen repair or replacement cover
  6. Car stereo cover

  Third Party, Fire and Theft covers:

  1. Damage by fire or theft
  2. 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.

  You’ll find more details in your policy booklet.

• What is no claims discount protection?

  No claims discount protection is an optional extra you can choose on your car or van insurance for an extra cost.

  It means you can rest easy knowing you can make one claim on your insurance policy without it affecting your no claims discount.

  You must have earned a maximum no claims discount to add this cover and it can only be added at the start of a new policy, or when you are renewing your current AXA policy.

  Terms and conditions apply.

  Visit our Car Insurance or Van Insurance pages for more information.

• Can i get a Car Insurance quote online if I'm a first time driver?

  Yes, we offer insurance to first time drivers and drivers who have no previous insurance in their own name.

  Read more about what's covered with our Car Insurance and how we support our young drivers.

  To get a Car Insurance quote, simply select 'NO PREVIOUS INSURANCE' in the driving experience question.

  Or you can give us a call on 02890 020104 and one of the team will be happy to help. and one of the team will be happy to help.

• Can I change the car on my policy just for few days when my car is in repair?

  Yes, if your car is in for repair you can make a temporary change of car through your MyAXA account.

  If you don't have a MyAXA account you can do a temporary change of car through our express self-service. You'll need your policy number, email address and date of birth.

  You’ll receive an email and text message confirming the change has been made.

  For more help, we’ve put together this short guide on changing your car with MyAXA.

• What is comprehensive driving of other cars?

  Comprehensive Driving of Other Cars is included on comprehensive Car Insurance, as standard. This means, you can enjoy the same comprehensive cover you have on your own car insurance policy when driving other cars that are not owned, hired or leased by you or your partner.

  Please note: There is a £40,000 limit on the borrowed car. Terms and conditions apply.

  Please refer to your policy booklet for more details.

  Your policy schedule will show the level of cover on your policy. You can view this document through your MyAXA account. To register for MyAXA you'll need your policy number, email address and date of birth.